MinhT1
Expert Alumni

Retirement tax questions

Any gains through capital gains, dividends and other distributions within the Roth IRA account are not taxed.

 

Qualified distributions of these gains (i.e. after age 59 1/2 and when the Roth IRA is 5 years or older) are not taxed.

 

The gains are taxed when distributed before age 59 1/2 (plus a 10% early distribution penalty) or when the account is less than 5 years old. 

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