Last year my income went over the limit of Roth IRA, so I wanted to open a Traditional IRA account, while keeping the Roth at the same time. Is it OK to do that? Can I contribute to the Roth account while having Traditional IRA? Thank you in advance.

I have a target retirement fund for all my 401K money and it’s down right now. If I keep adding money does it buy more shares of it so when the price goes up I do even better?

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