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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.
If youâre at least age 59Â½ and your Roth IRA has been open for at least five years, you can withdraw money tax- and penalty-free. See Roth IRA rules for ages 59Â½ to 70. With a Roth IRA, there are no required distributions as there are with a Traditional IRA. If youâre between age 59Â½ and 70, there are several important factors that impact annual distributions from an Inherited IRA (not an IRA that youâve simply transferred on your own). Keep in mind: