roth ira holding requirements
Age 59Â½ to 70. Withdrawals from a Roth IRA you've had less than five years. If you havenât met the five-year holding requirement, your earnings will be subject to taxes but not penalties. Withdrawals from a Roth IRA you've had more than five years.If youâve met the five-year holding requirement, you can withdraw money from a Roth IRA with no taxes or penalties.f you havenât met the five-year holding requirement, your earnings will be subject to taxes but not penalties. Withdrawals from a Roth IRA you've had more than five years. If youâve met the five-year holding requirement, you can withdraw money from a Roth IRA with no taxes or penalties.