Day trading is a type of active investment, and while you can make daily transactions with your Roth IRA, active investments such as Gold IRA are relatively rare in retirement accounts. Roth IRAs are intended to be stable long-term portfolios, and the IRS tries to discourage speculation. In general, portfolio rules do not allow aggressive movements, such as margin and leverage trading, which limits strategies such as day trading. However, you can continue to actively manage your account within the limits. Retirement plans for merchants can be used in a variety of ways.
You can negotiate the retirement plan, create it with annual contributions, borrow money from a qualified plan (not an IRA) to finance a commercial business, and convert it into a Roth IRA to accumulate it permanently tax-free. There are many pitfalls to avoid, such as early withdrawals subject to ordinary income tax rates and 10% fines in special taxes, and penalties for prohibited transactions. The main rule that blocks the daily operations of a Roth IRA is that Roth IRAs are cash accounts and do not allow margin to be used to help buy securities. While the fact that you can't trade on margin in a Roth IRA excludes day trading, that doesn't mean that all active operations in a Roth IRA are ruled out.
