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Rajesh Yadav· 7 months ago
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What are withdrawal rules: Roth vs Traditional IRA, 2026?

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Replying to the question above
Answered on04/24/26

Roth IRA and Traditional IRA have different withdrawal rules. With a Roth IRA, you can usually withdraw your contributions anytime without tax, but earnings are tax-free only if you are 59½ or older and the account is at least 5 years old. With a Traditional IRA, withdrawals before 59½ usually come with income tax and a 10% penalty, while after 59½ they are taxed as normal income. Also, Required Minimum Distributions start at age 73. So basically Roth gives more flexibility, while Traditional has stricter and tax-deferred rules.

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MOHD ADEEB
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Replying to the question above
Updated on02/23/26

Roth lets you take out your contributions anytime, but earnings need you to be 59½ and have the account for five years. Traditional is stricter: any withdrawal before 59½ usually triggers a 10% penalty plus income tax. Also, Traditional has RMDs starting at 73.

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Pari Deshmukh
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Pari Deshmukh is a journalist with over 12 years of experience covering current affairs across print and digital media in India. She holds a Master's degree in Journalism and Mass Communication from Pune University, bringing both academic grounding and extensive field experience to her reporting. Over her career, Pari has reported on national politics, policy developments, social issues, and breaking news events across India. Her work has appeared on platforms including The Print, Scroll.in, and Hindustan Times Digital, where she has built a reputation for factual, balanced, and timely reporting on stories that shape public discourse. With 12+ years in the field, she has covered major national events, conducted ground-level investigations, and interviewed policymakers, civil society leaders, and public figures. Her journalism is driven by one standard — verified facts reported without distortion, regardless of the pressure or pace of the news cycle. She has participated in press panels at the Ramnath Goenka Excellence in Journalism Awards and is a member of the Press Club of India. Her reporting continues to serve readers who need current affairs coverage they can trust.

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