Which statement if FALSE regarding a Roth IRA

	a.	Roth IRAs have a guaranteed return
	b.	You put after-tax money in a Roth IRA
	c.	A Roth IRA is protected in bankruptcy
	d.	Investments grow tax-free (free of capital gains taxes)

Which of the following is TRUE of tax-advantaged retirement accounts?

	a.	They dollar cost average
	b.	They are protected in bankruptcy
	c.	They are always pre-tax
	d.	They are always invested in stocks