AI sector M&A volumes hit a quarterly high, supporting valuations. Roth IRA investors could harness these gains via diversified tech funds, avoiding tax triggers from short-term trading. I Help People Retire Every Day -- Here's the Most Common Retirement Mistake People Make According to the latest data from the Center for Retirement Research, 41% of people contributing to an IRA or Roth IRA are under age 40, compared with 29% in 2019 — and many of them are choosing Roths. 1 About 1 in 5 ( 19.2% ) heads of household in their 20s have Roth IRAs — almost three times as many as in 2016. 2 Earnings momentum in defense stocks has accelerated, fueled by geopolitical demand. Investing Roth IRA in aerospace and defense ETFs could add portfolio ballast with growth potential tied to federal contracts.