Sector rotation into healthcare, boosted by AI-driven drug development, makes investing in a Roth IRA with biotech ETFs a compelling move. These high-growth assets benefit from eliminating future capital gains taxes. The final step in the playbook is to protect assets through insurance by purchasing term life insurance, disability insurance or an umbrella policy. Another way that the traditional IRA and Roth IRA differ is that the Roth IRA imposes income limits on who is eligible to contribute. (In contrast, anyone can contribute to a traditional IRA; there are income limits on deducting that traditional IRA contribution but only if you or your spouse has a retirement plan at work.) Market liquidity metrics show increased retail participation in Q2 2024, reinforcing the value of long-term, tax-free Roth IRA strategies that mitigate short-term trading risks while compounding wealth.