1 There is a single, 5-year holding period when determining whether earnings can be withdrawn federal (and, in most cases, state) income tax-free as part of a qualified distribution from a Roth IRA. This period begins January 1 of the year of the first contribution to any Roth IRA account.
2 Please note, however, that income-based restrictions are still in place regarding how much you can contribute to a Roth IRA.
3 These funds are representative of the funds offered by Merrill Edge. Please call 888-MER-EDGE for a complete list of available funds.