Question 46 (1 point) Which one of these statements correctly applies to a Roth IRA? OA A) Deposits must be in federally-insured accounts. O B) Earnings on the account are tax-free after five years. C) Funds are only to be used for educational expenses. OD- D) Only self-employed workers can contribute to a Roth IRA. O E) Annual contributions may exceed $7,000