Ok ... stop thinking cap gain in an IRA ... it doesn't matter since they are not treated the same was as a regular brokers account ... only thing to keep track of is the contributions. If you put in 5500 and then take out 5500 then you have no taxable distribution and no penalty ... that is the beauty of the ROTH IRA. As long as you don't touch any of the earnings/cap gains above the contributions made all is good.
