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