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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.
A Roth IRA is an individual retirement account that offers tax-free growth and tax-free withdrawals in retirement.Roth IRA rules dictate that as long as you've owned your account for 5 years* and you're age 59Â½ or older, you can withdraw your money when you want to and you won't owe any federal taxes.o age limit. Contributions to a Roth IRA don't have to stop when you reach age 70Â½, the cut-off for a traditional IRA. You can put money in your account for as many years as you want, as long as you have earned income that qualifies.