m*******1
发帖数: 53 | 1 现在手里有几万美金现金放在储蓄账户里面，想买一些roth ira，vanguard的。请问如
果过一两年买房, 可以吧roth ira里面的钱取出来吗？要多久，有penalty吗？ | V****o
发帖数: 210 | 2 本金是可以withdraw anytime的
You can withdraw contributions you made to your Roth IRA anytime, tax- and
penalty-free. However, you may have to pay taxes and penalties on earnings
in your Roth IRA.
收益部分有点复杂：http://www.schwab.com/public/schwab/investing/retirement_and_planning/understanding_iras/roth_ira/withdrawal_rules
Withdrawals from a Roth IRA you've had less than five years.
If you take a distribution of Roth IRA earnings before you reach age 59½
; and before the account is five years old, the earnings may be subject to
taxes and penalties. You may be able to avoid penalties (but not taxes) in
the following situations:
You use the withdrawal (up to a $10,000 lifetime maximum) to pay for a
first-time home purchase.
You use the withdrawal to pay for qualified education expenses.
You're at least age 59½.
You become disabled or pass away.
You use the withdrawal to pay for unreimbursed medical expenses or
health insurance if you’re unemployed.
The distribution is made in substantially equal periodic payments.1
Withdrawals from a Roth IRA you've had more than five years.
If you’re under age 59½ and your Roth IRA has been open five years or
more,1 your earnings will not be subject to taxes if you meet one of the
following conditions:
You use the withdrawal (up to a $10,000 lifetime maximum) to pay for a
first-time home purchase.
You use the withdrawal to pay for qualified education expenses.
You're at least age 59½.
You become disabled or pass away.
You use the withdrawal to pay for unreimbursed medical expenses or
health insurance if you’re unemployed.
The distribution is made in substantially equal periodic payments.1
【在 m*******1 的大作中提到】
: 现在手里有几万美金现金放在储蓄账户里面，想买一些roth ira，vanguard的。请问如
: 果过一两年买房, 可以吧roth ira里面的钱取出来吗？要多久，有penalty吗？
| m*******1
发帖数: 53 | 3 多谢！
任何的投资类型，eft stock，只要是在roth ira账户的，都可以随时withdrawl？另外
，从roth ira取的钱都可以作为房屋贷款的资金证明？
【在 V****o 的大作中提到】
: 本金是可以withdraw anytime的
: You can withdraw contributions you made to your Roth IRA anytime, tax- and
: penalty-free. However, you may have to pay taxes and penalties on earnings
: in your Roth IRA.
: 收益部分有点复杂：http://www.schwab.com/public/schwab/investing/retirement_and_planning/understanding_iras/roth_ira/withdrawal_rules
: Withdrawals from a Roth IRA you've had less than five years.
: If you take a distribution of Roth IRA earnings before you reach age 59½
: ; and before the account is five years old, the earnings may be subject to
: taxes and penalties. You may be able to avoid penalties (but not taxes) in
: the following situations:
| V****o
发帖数: 210 | 4 本金部分肯定是可以的。 我买房子时候没有看退休基金的账户，但是看投资账户的
statement。 大不了你买房之前4个月，把钱转到你的checking account,一般是看4个
月的银行账单。
【在 m*******1 的大作中提到】
: 多谢！
: 任何的投资类型，eft stock，只要是在roth ira账户的，都可以随时withdrawl？另外
: ，从roth ira取的钱都可以作为房屋贷款的资金证明？
| m*******1
发帖数: 53 | 5 请问你说的退休基金账户指的是401 K，投资账户指的是Roth IRA么？
【在 V****o 的大作中提到】
: 本金部分肯定是可以的。 我买房子时候没有看退休基金的账户，但是看投资账户的
: statement。 大不了你买房之前4个月，把钱转到你的checking account,一般是看4个
: 月的银行账单。
| V****o
发帖数: 210 | 6 哦，不好意思,没说清楚。退休基金账户指： 401k, roth IRA, tranditional ira
account, 投资账户指我的个人的普通股票账户。
【在 m*******1 的大作中提到】
: 请问你说的退休基金账户指的是401 K，投资账户指的是Roth IRA么？
| w***n
发帖数: 1519 | 7 跟stock/etf 没关系，cash in, cash out. 你要取钱买房，就liquidate之后取不就行
了？不会让你转股票出来的。
【在 m*******1 的大作中提到】
: 多谢！
: 任何的投资类型，eft stock，只要是在roth ira账户的，都可以随时withdrawl？另外
: ，从roth ira取的钱都可以作为房屋贷款的资金证明？
| m*******1
发帖数: 53 | 8 多谢
【在 V****o 的大作中提到】
: 哦，不好意思,没说清楚。退休基金账户指： 401k, roth IRA, tranditional ira
: account, 投资账户指我的个人的普通股票账户。
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