Is There Capital Gains Tax On Roth IRA? 
That is an excellent question ! The investment gains within your Roth IRA are not subject to capital gains taxes . As long as your gains are contained within the IRA , you are n't subject to any taxes on those gains . That is one of the best reasons to have one . Your contributions are taxed before making them , so like life insurance , it is n't taxable coming out . There are rules about making qualified withdrawals that have to be followed to keep your withdrawals tax free during the first five years , but they only apply to the gains , not the contributions . -LRB- Those can be taken out at any time without penalty , other than loss of earnings potential . -RRB- Roth 's are excellent investment vehicles , particularly when considering the tax implications . Thanks for asking ! 