5. 2015 (5 years later)
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6. 2015 (5 years later)
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7. 2015 (3 years later)
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8. 2050 (40 years later)
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9. Key Takeaways
Roth IRA
• Great way to invest and get tax-free growth
• Withdraw contributions at any time
• Withdraw earnings tax and penalty-free if:
1. Roth IRA has been funded for at least five years
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2. Withdrawal is a qualified distribution:
• Education expenses
• 1st time home buyer
• Certain medical expenses
• At retirement age of 59.5
• If withdrawal isn’t a qualified distribution or Roth IRA has not been
funded for at least five years, earnings are taxed at your ordinary tax
rate and an additional 10% early withdrawal penalty is applied
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