I'm 74 years-old and retired. I rolled an Employee Roth IRA (composed solely of Post-Tax contributions) to a new Roth IRA with a Broker. Over that time, I have received only $660 in Dividends and Interest.
Because Roth IRAs are funded with after-tax dollars (money that's already been taxed), you will pay taxes on your contributions but will not pay taxes when you withdraw them in the future If you are 59½ or over, you may withdraw as much as you want, tax free and penalty free, as long as your Roth IRA has been open for at least 5 years.
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