Quick Read S&P 500 (SPY) investments have nearly quadrupled over the past decade. Roth accounts preserve all gains tax-free while taxable accounts lose roughly 15% to capital gains. Roth IRAs allow S&P 500 gains to compound indefinitely without required minimum distributions mandated by traditional IRAs at age 73. Annual Roth IRA contributions max out at $7,500 in 2026. Single filers earning over $168,000 lose direct contribution eligibility. A recent study identified one single habit that doubled ...