Anyone have any recommendations for a traditional retirement account? Have about as much faith in paper investments as the rest of you, but for reasons I'd rather not get into on a public forum, I find myself in need to get one started very soon. The last time I asked at my local bank, they said IRA or 401k or whatever it was, was basically treated like a CD and that it was paying <1%. At that point I said, why bother, but times are a changing (for me). Self employed BTW, no company option/ match, nothing like that. Anyone done any research?