Trying to figure out where to invest in a Roth IRA? It’s an important decision that has a bearing on just how wealthy you will be when you retire. Here are 5 tips that will help you make an informed decision.Tip #1 – Current Maximums -Currently the maximum income for a Roth IRA is $169,000 for a married couple filing jointly, but the earning potential within the account is unlimited. The account could earn $100,000 or more per day and none of that would ever be taxed. That’s the big advantage and that’s why people use the accounts for their most potentially profitable investment choices.Tip #2 – Places To Invest For Great Returns -Deciding where to invest in a Roth IRA is relevant, because most custodians limit the investment options open to their clients. Banks offer money markets and certificates of deposit. Brokers offer stocks and bonds. But, there are companies that offer more.Under the current tax laws, you can invest in real property; houses, office buildings, building lots, etc. You can also hold mortgage notes, within the account, where the property is used as collateral. If the mortgagee were to default on the loan, their property would become the property of the account.Tip #3 – What To Avoid – Since stocks aren’t doing that well and CD returns are barely keeping up with inflation, we really need to look at all of our options, if we want to retire comfortably. So, in my opinion, a company that offers self-directed investing is where to invest in a Roth IRA.Only self directed custodians offer all of the investment options necessary to fully diversify. Of course, all companies are not created equal. There are a few brokers that offer self-directed investing, as well. But, they only allow you to choose stocks, mutual funds and bonds. That’s not your best choice.In addition, custodians can charge some outrageous fees, particularly in the area of real estate investing. So, shop around, a little, before you sign up with someone. Make sure the fees are reasonable.Tip # 4 – Contributions -For single filers, the maximum income for a Roth IRA contribution is $100,000. You can contribute as much as $5,000 in 2008, $5500 in 2009 and the contribution limits will go up $500 every year. The maximum income for a Roth IRA partial contribution is currently $116,000 for single filers.In order to convert from a traditional account, the maximum income for a Roth IRA is currently $100,000, but that limitation will be lifted in 2010, allowing conversions among higher income brackets. Some of us are looking forward to that.Tip #5 Education -Once you decide where to invest in a Roth IRA, based upon the options offered and the fees charged, you may want to “invest” in a little education, before you begin self-directing. Not only do you need to learn facts concerning maximum income for a Roth IRA, prohibited transactions, the self-dealing rule and other legalities. You also need to learn how to successfully invest in real estate and other options.But, that’s my advice about where to invest in a Roth IRA and other things to consider. Why not retire wealthy, if you can?