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Roth IRA appreciation is not taxed provided you have had the Roth IRA for 5-years or more and you are at least 59-1/2 years old.

That is incorrect.

Hi jrr7,

My interpertation, taken from Vangurad, may be incorrect, but that is how I see it. Taken out of context from about 3/4 down the page.

Vanguard Roth IRA
...Withdraw your contributions at any time penalty-free.
Withdraw earnings beginning at age 59½ penalty-free; there are exceptions that allow early withdrawals without penalty.
Income tax on earnings will apply if you've held the account for less than five years.

Need assistance?
Contact a Vanguard retirement specialist at 800-414-1321.

The link is

Merry Christmas,


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