Misconceptions

• Your IRA trustee may call your account a "rollover IRA" because you transferred amounts from other retirement accounts into it. But in reality, it is an ordinary Roth or traditional IRA governed by ordinary Internal Revenue Service (IRS) rules.
  
  

Significance

• You can buy and sell assets inside your IRA at will. If your current trustee does not offer the financial products you wish to purchase, you are welcome to roll your account over again to a new trustee.
  
  

Considerations

• If assets you rolled into an IRA are losing money, talk to a trusted financial adviser to decide if you should recalculate your investment strategy and buy more conservative, safe investments such as CDs, or ride out the market bumps.