When it comes to distribution, it is definitely different in Roth IRA as compared to other types of IRA. Since your contributions are already taxed incomes, you may get the actual total amount of your contributions in addition of its accumulated earnings over the years of contribution, no matter what your age is upon distribution. In other words, distributions or withdrawals are 100% tax free, now, that is the prize of paying your taxes as your income materializes.

Infact it is an important reminder that the only taxable distribution that you may ever make is by withdrawing the income or earnings of your contribution before reaching the age of 59 and ½. So if you are planning to make a withdrawal on your Roth IRA before you reach a certain age or age of retirement, make sure that you do not include your contribution’s income to make it non taxable.