Function. The Roth IRA, by contrast, allows you to contribute and save after-tax money. As long as you own the Roth IRA for at least five years, you can take tax-free distributions beginning at age 59 1/2.The IRS requires that you take minimum distributions from a Traditional IRA beginning at age 70 1/2, whether you need them or not.enefits. The IRS requires that you take minimum distributions from a Traditional IRA beginning at age 70 1/2, whether you need them or not. You never have to remove assets from your Roth IRA if you don't need them.
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