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What to Know About the Roth IRA Five-Year Rule

Remember these rules to keep more of your retirement savings.

By Adam Levy – Updated Apr 24, 2025 at 9:40PM

Key Points

  • Roth IRA offers tax-free income growth; withdrawals must follow the five-year rule to avoid taxes.
  • Each Roth conversion starts a new five-year period, separate from the original IRA's timeline.
  • Inherited Roth IRAs require full withdrawal within 5 or 10 years, based on the owner's death year.
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