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Subject:  Re: Should I Convert? Date:  6/19/2011  8:09 PM
Author:  TMFPMarti Number:  113546 of 124773

How are these "earnings" determined.

There's a prescribed formula. It doesn't track specific investments; it's based on percentages of the account at various points in time. Your custodian will do the calculations, but if you want to see how it works it's explained in Pub 590. You do not have to withdraw earnings attributable to your legal contributions.

BTW, there's nothing stopping you from investing what you have to withdraw.

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