dmertz
Level 15

Retirement tax questions

"That is, if you had the Roth IRA for over 5 years and you are 59 1/2 years or older, and none of the money in the account came from a CONVERSION, the distributions are NOT taxable."

 

If you had a Roth IRA more than 5 years and you are under age 59½, it doesn't matter how much of the money came from conversions.  Distributions are not taxable anyway.