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Subject:  Re: withdrawals Date:  11/26/2013  11:56 AM
Author:  TMFPMarti Number:  18854 of 19738

I have a lot of money in my 403(b) but need to take money out without borrowing it or paying a penalty. I was thinking of selling some of the mutual funds in my Roth IRA but only if I don't have to pay taxes on the sale; I am not 59 yet.

There is never a tax effect of a sale in an IRA. The only thing that matters is withdrawals. As long as you withdraw no more that the total of your contributions there will be no tax or penalty. See Chapter 2 of Publication 590.