Should you be more mature than 59½ but have not satisfied the 5-year holding prerequisite, your earnings might be topic to taxes but not penalties. Note that the first contribution to any Roth IRA commences the five-calendar year holding period for your Roth IRAs. Seek advice from IRS regulations ahead https://retirement-planner75184.tblogz.com/a-secret-weapon-for-best-retirement-annuity-plans-47661581