All gains from dividends, interest or capital gains, that hapens inside of a tax deferred account such as an IRA, retirement plan or deferred annuity, are deferred until you make withdrawals, at which time these untaxed dollars will be taxed as ordinary income..Correct for a traditional IRA, but, the OP was asking about a Roth IRA. For a Roth contributions and earnings are not taxed when withdrawn.Bob
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