There is no penalty for early withdrawal if you're 59 1/2, but there may be a penalty if the investment is something like a Roth IRA C/D. the penalty comes from the financial institution. If it would help, you can withdraw funds and replace them in under 60 days, with no penalty. There is also a 5 year rule. you need to leave the Roth in place for 5 years or pay taxes on the withdrawal, I believe. Just ask your banker or go on-line to IRS.gov.


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