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Hi everyone,

This is my first post here. I first want to say how much I appreciate the people who create all of the great content and information available here at the Motley Fool. Thank you!

I've been reading a lot about Roth IRA's and repeatedly have come across the "perk" of not having to pay taxes on the returns from your investments when you eventually withdraw them. However, I have a question that I couldn't seem to find an answer for.

Is it really the case that these earnings are "tax-free"? Don't you have to pay taxes each year on any "unrealized gains" (or get a tax deduction from the losses) anyway? You aren't taxed *twice* on the earnings (once when you earn them and once when you withdraw them), but surely the government taxes them at least once.

If not, I'd love to hear it :)


- Kiri
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