For anyone who is more mature than 59½ but haven't achieved the 5-year holding need, your earnings may be topic to taxes but not penalties. Take note that the very first contribution to any Roth IRA commences the 5-year Keeping time period for your Roth IRAs. Consult with IRS regulations https://retirementannuityplanssou41840.wssblogs.com/34032864/a-secret-weapon-for-best-retirement-annuity-plans