For anyone who is more mature than fifty nine½ but have not fulfilled the 5-year holding need, your earnings can be subject matter to taxes but not penalties. Be aware that the primary contribution to any Roth IRA begins the 5-year Keeping time period for all of your Roth IRAs. https://retirement-planner74681.alltdesign.com/considerations-to-know-about-sanlam-retirement-plan-53239254