Roth IRA 5年规定，我现在取钱是否会有penalty# Money - 海外理财
s*l
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2013年7月第一次开Roth IRA账户，今年买房钱不够需要取Roth ira的钱。我看到网上
有说要开户五年取款免10%penalty，但是对我的情况从2013/1/1算，所以现在2018/1/2
就满足5年要求了。但我没查到明确的政府说明。请问下我现在取钱确实可以免penalty
吗？谢谢。我只取principle。是第一套房子
网上说明
https://www.rothira.com/roth-ira-withdrawal-rules
其中对5年说明如下：
2) Roth IRA Five-Year Rule
Withdrawals from your Roth IRA will only be classified as qualified
distributions if it has been at least five years since you first opened and
contributed to your Roth IRA, regardless of your age when you opened it. For
instance, an IRA owner can make penalty-free withdrawals at age 59½,
but if he or she made the first contribution at age 58, the plan participant
would need to wait until age 63 to withdraw any earnings made on that
portion of the original contributions.
这里又说是丛1/1算起
https://www.rothira.com/roth-ira-5-year-rule
The use of the term “tax years” above with regard to 5 year rules means
that the clock starts ticking January 1 of the tax year when the first
contribution was made. For example, a Roth IRA contribution made on April 15
, 2018 counts as if it were made on Jan. 1, 2017. In this case, you could
begin withdrawing funds without penalty on Jan. 1, 2022—not April 15, 2023.
有说要开户五年取款免10%penalty，但是对我的情况从2013/1/1算，所以现在2018/1/2
就满足5年要求了。但我没查到明确的政府说明。请问下我现在取钱确实可以免penalty
吗？谢谢。我只取principle。是第一套房子
网上说明
https://www.rothira.com/roth-ira-withdrawal-rules
其中对5年说明如下：
2) Roth IRA Five-Year Rule
Withdrawals from your Roth IRA will only be classified as qualified
distributions if it has been at least five years since you first opened and
contributed to your Roth IRA, regardless of your age when you opened it. For
instance, an IRA owner can make penalty-free withdrawals at age 59½,
but if he or she made the first contribution at age 58, the plan participant
would need to wait until age 63 to withdraw any earnings made on that
portion of the original contributions.
这里又说是丛1/1算起
https://www.rothira.com/roth-ira-5-year-rule
The use of the term “tax years” above with regard to 5 year rules means
that the clock starts ticking January 1 of the tax year when the first
contribution was made. For example, a Roth IRA contribution made on April 15
, 2018 counts as if it were made on Jan. 1, 2017. In this case, you could
begin withdrawing funds without penalty on Jan. 1, 2022—not April 15, 2023.
