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You can take money out of your Roth IRA anytime you want. However, you need to be careful how much you withdraw or you may get stuck with a penalty. In order to make qualified distributions in retirement, you must be at least 59Â½ years old, and at least five years must have passed since you first began contributing.
Retirement Plan and IRA Required Minimum Distributions FAQs. Your required minimum distribution is the minimum amount you must withdraw from your account each year. You generally have to start taking withdrawals from your IRA, SEP IRA, SIMPLE IRA, or retirement plan account when you reach age 70Â½.Roth IRAs do not require withdrawals until after the death of the owner.1  You can withdraw more than the minimum required amount.ou generally have to start taking withdrawals from your IRA, SEP IRA, SIMPLE IRA, or retirement plan account when you reach age 70Â½. Roth IRAs do not require withdrawals until after the death of the owner. 1  You can withdraw more than the minimum required amount.