re: When do I start seeing interest in my Roth IRA account?

quote:

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half in cash balance.

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They're going to pay a few tenths of a point on that, at most. Maybe not even that.

Do you have a retirement strategy? If you're this much of a newbie (no offense), you might benefit from a professional financial adviser - at least at this stage. Once your goals, objectives, risk tolerance and retirement window (or windows) are identified, a comprehensive strategy will be more effective than tracking interest payments a few months into this.