Key Points Roth IRAs offer the benefit of tax-free investment gains and withdrawals. They also don't impose required minimum distributions. Housing your savings in a Roth IRA could also make your Medicare premiums cheaper during retirement. The $23,760 Social Security bonus most retirees completely overlook › There's a reason people are often willing to forgo the up-front tax break that comes with funding a traditional IRA and save for retirement in a Roth IRA instead. Roth IRAs offer the benefi ...