re: Title change: personal investment questions (401k rollover, Roth).

OP, you're confused about something here.

A Roth is simply a kind of account with special rules. It is not an investment holding, like a stock or mutual fund. It's an account, much like a checking account, brokerage account, 401(k), etc. Once you put money into the account, you can choose what to invest in.

For example, you could compare a Roth vs. a traditional IRA vs. a 401(k) vs. a brokerage account. Each of these is a kind of account with different tax rules.

You could invest in a mutual fund (or something else too, for that matter) in any of these different accounts.