<prompt> Human: Ive been doing a lot of financial research lately, and Im far from understanding everything, but Im trying to see what are the advantages of using a roth IRA instead of buying ETFs.The way I see it: both will be taxed, and both are subject to the risk of the market.But an IRA carries the added limitation of a penalty if you touch it before youre 59 12.What am I missing with this?  <response>: You can buy ETFs inside the Roth IRA. The benefit of the Roth IRA is keeping the governments hands off your profits. 