谢谢大家的回复。看样子ROTH IRA如果买FUND的话，是没有FDIC的。但是traditional IRA如果买FUND的话，却有FDIC的。本来以为ROTH的收益是免税的，比较适合我。没想到竟然找不到principal insured 的fund. 各位考虑买traditional 或是roth的时候，仅仅是从免税角度出发的吗？ principal的风险一点都不在考虑之内？

下面就是我去年买的traditional ira的资料：

Stock Market IRA - A well deliberated risk

• The interest generated is based on the changes in the Standard and Poor's 500 Index (S&P 500)
• Minimum initial deposit: $500.
• Available term: 5 years
• The principal is insured by the FDIC up to $250,000