Fed policy speculation — with odds of a September 25bps cut now at 62% — prompts Ally automated investing’s AI to rotate into interest-sensitive sectors. Historical performance of similar shifts shows gains in REITs and utilities during easing cycles. This month’s best IRA accounts were selected based on a variety of criteria, including fees, account minimums, investment choices and customer experience. After reviewing the above features, we focused our recommendations mostly on their appeal to beginner investors who are likely just starting out in their careers since Roth IRAs are the most effective retirement savings vehicles if you're in a lower tax bracket today than you'll be in retirement. For the purposes of this ranking, we focused only on Roth IRAs, though the best providers often overlap with those that offer the top traditional IRAs — read our list of the best traditional IRAs here. Ally automated investing leverages sector momentum, currently overweighing energy and clean-tech. With WTI crude stabilizing near $80, correlated equity plays may see a 3–5% uplift over the next quarter, driven by steady demand and geopolitical supply constraints.