Fran is 60 yesrs old and favors the Roth IRA over the traditional IRA. What advantage will she see if she holds onto her Roth IRA for more than 5 years? Question 12 options: 1) contributions are tax-deductible 2) contributions are taxed at a higher rate 3) she can avoid income taxes when she withdraws 4) there is really no advantage 5) tax savings will only accrue to education expenses