roth IRA contribution early distribution? 10% penalty

I am  a little confused about early distribution on Roth IRA.

 

Here is the case, if I currently have 20,000 roth IRA, 18,000 from my contribution, 2,000 from earning.

If I withdraw 15,000 before 59.5, do I need to pay 10% penalty?

 

Since 15,000 is from my 18,000 contricution, which is already taxed. but I do not know if 10% penalty still apply?

所有跟帖： 

• 回复：roth IRA contribution early distribution? 10% penalty -荣耀归于神- ♀ (10 bytes) () 12/15/2010 postreply 11:36:43

• I think the principal can be withdrawn any time w/o penalty -北燕- ♀ (0 bytes) () 12/15/2010 postreply 12:02:11