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The perks of Roth IRAs go well beyond tax-free withdrawals. Discover what else makes them special.

Since the Roth IRA was introduced in 1997, it has become one of the most popular ways to save money for retirement. Workers love stuffing money into a Roth because they know that — unlike with a traditional IRA — they will never owe taxes on the investment gains. With a traditional IRA, you don’t pay taxes on money in the account until after you withdraw it, so both the principal and gains are…