Roth IRA

Im 28F and I plan to open a Roth IRA in January 2028, I get 26 paychecks a year and plan to start putting aside $288.47 per paycheck into a fidelity CMA account throughout the year of 2027, then 1/1/28 max out my new Roth IRA. Then continue this save/max out thing every year after. I like this bc then I’ll be “a year ahead” in the sense that starting 1/1/28 and every New Year’s Day thereafter I will be able to max it out right away.

OR

Should I skip the CMA and “max out” mentality and just start putting $288.47 into a Roth IRA on my first paycheck 1/8/27??

Which is better?

Then I’m aware this money needs to be invested to grow, can I put it all in the SMP500 and “set it and forget it”. I am not keen on investing and don’t wanna have to watch it super closely