Why doesn't everyone just put all their money into a Roth

>>1836634
contribution limits into an Roth IRA (only 5,500 per year, extra 1,000 if older)

income limits (cannot contribute if income is >130K)

withdrawal limits (cannot withdrawal penalty-free until age 60, penalty is like 50% of gains)

>>1836650
When I wrote "all their money," I was only talking about the money currently in an IRA account.

I might have $100,000 worth of shares in a fund that is going to announce a dividend of 1%.

Why shouldn't I move it to a fund that is going to announce a dividend of 3% and get the extra money, then move it back?

>>1836702
When a dividend is given out the share price goes down.