[kdragan77]

Prvobitno poslao korisnik Jorda

You're welcome.

Ni iz jednog retirement account se ne moze izvuci lova bez penalty, osim ako osoba nema navrsenih 59 i 1/2 godina. Ili u specificnim slucajevima kao sto su kupovina prve kuce, ukoliko se postane totally disabled, qualified domestic or medical expenses...
Sve ima svoje prednosti i mane, ili sto bi nasi rekli koliko para toliko muzike.

Mislim da to nije tačno
"Now for the good part. Because contributions to a Roth are made with funds on which you’ve already paid taxes, IRS rules allow you to withdraw that money—the sum of your contributions, in other words—at any time without penalty or taxes.

Only investment earnings generated by your deposits—interest income, dividends, capital gains—must remain in the account until you’re 59½ to avoid paying a 10% penalty.