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Use our ",{"text":250,"type":22,"marks":976},[977],{"type":31,"attrs":978},{"href":254,"uuid":255,"anchor":34,"target":35,"linktype":74,"story":979},{"name":980,"id":981,"uuid":255,"slug":980,"url":982,"full_slug":982,"_stopResolving":558},"roth-ira-calculator",505365705,"discover/retirement/roth-ira-calculator",{"text":984,"type":22}," to see how your savings could grow.",{"type":764,"attrs":986,"content":987},{"level":766},[988,993],{"text":989,"type":22,"marks":990},"Do I pay capital gains tax on a Roth IRA?",[991],{"type":129,"attrs":992},{"color":12},{"text":774,"type":22,"marks":994},[995],{"type":129,"attrs":996},{"color":778},{"type":18,"content":998},[999],{"text":1000,"type":22,"marks":1001},"As mentioned, you do not pay taxes on any qualified distributions from your Roth IRA account. So, you do not pay capital gains tax on your Roth IRA.  ",[1002],{"type":129,"attrs":1003},{"color":12},{"type":18,"content":1005},[1006],{"text":1007,"type":22,"marks":1008},"In this way, back-end tax-advantaged retirement accounts, such as a Roth IRA, create a kind of capital gains exemption for retirees. ",[1009],{"type":129,"attrs":1010},{"color":12},{"type":18,"content":1012},[1013],{"text":1014,"type":22,"marks":1015},"You have already paid tax on the money you contribute, so when you withdraw money later in life, you pay no more tax on it. ",[1016],{"type":129,"attrs":1017},{"color":12},{"type":764,"attrs":1019,"content":1020},{"level":766},[1021,1026],{"text":1022,"type":22,"marks":1023},"Do I pay capital gains tax on a traditional IRA?",[1024],{"type":129,"attrs":1025},{"color":12},{"text":774,"type":22,"marks":1027},[1028],{"type":129,"attrs":1029},{"color":778},{"type":18,"content":1031},[1032],{"text":1033,"type":22,"marks":1034},"Traditional IRAs work in an opposite way to Roth IRAs; contributions are made pre-tax, and withdrawals are taxed.  ",[1035],{"type":129,"attrs":1036},{"color":12},{"type":18,"content":1038},[1039,1044,1051],{"text":1040,"type":22,"marks":1041},"However, withdrawals are taxed as regular income and are not subject to ",[1042],{"type":129,"attrs":1043},{"color":12},{"text":1045,"type":22,"marks":1046},"capital gains tax",[1047,1049],{"type":31,"attrs":1048},{"href":537,"uuid":34,"anchor":34,"target":35,"linktype":36},{"type":129,"attrs":1050},{"color":12},{"text":1052,"type":22,"marks":1053},". Instead, the tax you pay is based on what tax bracket you’re in in the year you make the withdrawal. ",[1054],{"type":129,"attrs":1055},{"color":12},"article-rich-text",{"_uid":1058,"link_url":537,"component":1059,"link_text":1060,"description":1061},"dd5ce745-4fc4-4e41-925b-a2243088382f","article-banner","Capital gains tax calculator","Work out how much capital gains tax you owe with our quick and easy calculator ",{"_uid":1063,"data":1064,"component":1056},"944db8ea-89d1-4805-b7fa-213418b9fabb",{"type":15,"content":1065},[1066,1075,1079,1123,1127,1131,1151,1155,1159,1168,1172,1176,1180,1188,1196],{"type":764,"attrs":1067,"content":1068},{"level":766},[1069,1071],{"text":1070,"type":22},"What are my Roth IRA investment options?",{"text":774,"type":22,"marks":1072},[1073],{"type":129,"attrs":1074},{"color":778},{"type":18,"content":1076},[1077],{"text":1078,"type":22},"When contributing money to your Roth IRA, you have a number of investment options, including:  ",{"type":780,"content":1080},[1081,1087,1093,1099,1105,1111,1117],{"type":783,"content":1082},[1083],{"type":18,"content":1084},[1085],{"text":1086,"type":22},"Mutual funds ",{"type":783,"content":1088},[1089],{"type":18,"content":1090},[1091],{"text":1092,"type":22},"Bonds ",{"type":783,"content":1094},[1095],{"type":18,"content":1096},[1097],{"text":1098,"type":22},"Stocks ",{"type":783,"content":1100},[1101],{"type":18,"content":1102},[1103],{"text":1104,"type":22},"Exchange-traded funds (ETFs) ",{"type":783,"content":1106},[1107],{"type":18,"content":1108},[1109],{"text":1110,"type":22},"Certificates of deposit (CDs) ",{"type":783,"content":1112},[1113],{"type":18,"content":1114},[1115],{"text":1116,"type":22},"Gold ",{"type":783,"content":1118},[1119],{"type":18,"content":1120},[1121],{"text":1122,"type":22},"Real estate ",{"type":18,"content":1124},[1125],{"text":1126,"type":22},"However, there are also several investment options off-limits to your IRA. ",{"type":18,"content":1128},[1129],{"text":1130,"type":22},"These include: ",{"type":780,"content":1132},[1133,1139,1145],{"type":783,"content":1134},[1135],{"type":18,"content":1136},[1137],{"text":1138,"type":22},"Collectibles, such as artwork or stamps ",{"type":783,"content":1140},[1141],{"type":18,"content":1142},[1143],{"text":1144,"type":22},"Life insurance ",{"type":783,"content":1146},[1147],{"type":18,"content":1148},[1149],{"text":1150,"type":22},"Derivative positions ",{"type":18,"content":1152},[1153],{"text":1154,"type":22},"The IRS also prohibits you from contributing cryptocurrency directly to your Roth IRA; however, there are some workarounds.  ",{"type":18,"content":1156},[1157],{"text":1158,"type":22},"You can add crypto to your Roth IRA via purchase. Bitcoin IRAs have been created that allow you to invest in cryptocurrencies. Few Roth IRA providers allow this; however, following the U.S. Securities and Exchange Commission's approval of spot bitcoin ETFs in January 2024, investors may have more access to crypto as an asset class.  ",{"type":764,"attrs":1160,"content":1161},{"level":766},[1162,1164],{"text":1163,"type":22},"Get expert financial advice when planning for retirement",{"text":774,"type":22,"marks":1165},[1166],{"type":129,"attrs":1167},{"color":778},{"type":18,"content":1169},[1170],{"text":1171,"type":22},"When you’re planning for retirement, you make countless big financial decisions – what type of retirement savings account to open, how to invest your money, setting contributions, how much to save, and the list goes on.  ",{"type":18,"content":1173},[1174],{"text":1175,"type":22},"If you don’t have a solid retirement plan, you may struggle with some of these decisions.  ",{"type":18,"content":1177},[1178],{"text":1179,"type":22},"When it comes to big life decisions, it’s important to seek expert financial advice.  ",{"type":18,"content":1181},[1182,1186],{"text":1183,"type":22,"marks":1184},"A good place to start is Unbiased. ",[1185],{"type":38},{"text":1187,"type":22}," ",{"type":18,"content":1189},[1190,1194],{"text":1191,"type":22,"marks":1192},"Here, you can get matched with an independent SEC-regulated financial advisor who can ensure you’re getting the most out of your current plan and are on course to achieving your retirement goals. ",[1193],{"type":38},{"text":1195,"type":22},"  ",{"type":18,"content":1197},[1198,1205],{"text":1199,"type":22,"marks":1200},"Connect with a financial advisor today",[1201,1203,1204],{"type":31,"attrs":1202},{"href":824,"uuid":34,"anchor":34,"target":825,"linktype":36},{"type":38},{"type":829},{"text":1206,"type":22,"marks":1207},".",[1208],{"type":38},[1210],{"_uid":1211,"image":1212,"title":1217,"subtitle":12,"component":1234,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1213,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1214,"copyright":12,"fieldtype":1215,"meta_data":1216,"is_private":12,"is_external_url":543},13722236,"https://a.storyblok.com/f/185166/2275x1820/df2da68692/capital-gains-tax-on-roth-iras.webp","asset",{},{"type":15,"content":1218},[1219],{"type":18,"content":1220},[1221,1229],{"text":1222,"type":22,"marks":1223},"Capital gains tax on Roth IRAs",[1224,1227],{"type":25,"attrs":1225},{"class":1226},"primary-gradient",{"type":129,"attrs":1228},{"color":131},{"text":1230,"type":22,"marks":1231},": what you need to know",[1232],{"type":129,"attrs":1233},{"color":131},"app-hero",{"name":1236,"created_at":1237,"published_at":1238,"updated_at":1239,"id":1240,"uuid":1241,"content":1242,"slug":1252,"full_slug":1253,"sort_by_date":34,"position":1254,"tag_list":1255,"is_startpage":543,"parent_id":1256,"meta_data":34,"group_id":1257,"first_published_at":1258,"release_id":34,"lang":730,"path":34,"alternates":1259,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1243,"_uid":1244,"name":1236,"image":1245,"component":1248,"education":1249,"expertise":1250,"description":1251},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1246,"alt":12,"name":12,"focus":12,"title":12,"filename":1247,"copyright":12,"fieldtype":1215,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[1261],{"_uid":1262,"body":1263,"title":1279,"component":1280},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1264,1268,1272,1275],{"_uid":1265,"href":1266,"text":1267,"component":542,"openInNewWindow":558},"da776427-5455-46d7-9abf-b76c38f3b106","https://www.unbiased.com/discover/retirement/invest-in-a-roth-ira","How to invest in a Roth IRA",{"_uid":1269,"href":1270,"text":1271,"component":542,"openInNewWindow":558},"d754245f-d111-4b55-8d46-5c1a2d48295b","https://www.unbiased.com/discover/retirement/roth-ira-vs-401k","Roth IRA vs 401(k)",{"_uid":1273,"href":1270,"text":1274,"component":542,"openInNewWindow":558},"244c6bac-8574-48e6-97dc-4a151d465eed","Convert 401k to Roth IRA",{"_uid":1276,"href":1277,"text":1278,"component":542,"openInNewWindow":558},"2534f06b-7b9a-4e18-a74e-46bba4b6bca5","https://www.unbiased.com/discover/investing/roth-ira-vs-traditional-ira","Roth IRA vs traditional IRA","Related articles ","app-links-list",{"_uid":1282,"title":1283,"plugin":1284,"og_image":12,"og_title":12,"description":1285,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"20e018c7-b84e-4546-bf32-2e95d97c09cf","Capital gains tax on Roth IRAs | Unbiased","seo_metatags","Want to learn more about how capital gains tax works with your Roth IRA? Discover more in this complete guide.  ","app-article",[],[1289],"e33e41ed-6b3f-4d73-95fa-2936d56ba3ad","This article will take you through everything you need to know about capital gains tax and your Roth IRA.",[],"capital-gains-tax-roth-ira","discover/taxes/capital-gains-tax-roth-ira",-3120,[],224651381,"cc5e8266-89f6-44c7-ac4d-32b5a1b685dd","2024-01-12T11:35:21.160Z",[],{"left":727,"top":727,"width":1301,"height":1301,"rotate":727,"vFlip":543,"hFlip":543,"body":1302},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",{"left":727,"top":727,"width":1301,"height":1301,"rotate":727,"vFlip":543,"hFlip":543,"body":1304},"\u003Cpath fill=\"currentColor\" d=\"M17.92 11.62a1 1 0 0 0-.21-.33l-5-5a1 1 0 0 0-1.42 1.42l3.3 3.29H7a1 1 0 0 0 0 2h7.59l-3.3 3.29a1 1 0 0 0 0 1.42a1 1 0 0 0 1.42 0l5-5a1 1 0 0 0 .21-.33a1 1 0 0 0 0-.76\"/>",[1306,1309,1310],{"title":1307,"exact":558,"href":1308},"Home","https://www.unbiased.com",{"title":453,"exact":558,"to":466,"disabled":543},{"title":750,"exact":558,"to":1311,"disabled":558},"/discover/taxes/capital-gains-tax-roth-ira",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1313},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1776588039970]