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URL:  http://boards.fool.com/my-roth-is-worth-less-than-what-i-put-in-so-if-18440480.aspx

Subject:  Re: Early Roth Withdrawal but no gains Date:  1/16/2003  3:23 PM
Author:  TMFPixy Number:  35567 of 78169

my Roth is worth less than what I put in. So, if I ever need this money and want to withdraw, do I get penalized?

No, you won't be penalized because you may take your annual Roth IRA contributions at any time for any purpose free of taxes and penalty. Your Roth IRA is now worth less than