Have you ever thought about trust deed investing? The Diamond Bay Investments is a great site to check out for your IRA investments, and even your retirement income. You can get 12% return rate on your high yield… that is just amazing if you ask me. They have the highest margin of return as well as the lowest margin of risk which makes for a great combination. You h ave to really start thinking about your retirement as early as your 20’s these days. And this is to make for a solid investment than you will not have to worry about. Check out their site for more information to see if this is right for you.