on your ROTH holdings and you also do not have to have a mandatory withdrawal schedule..it may also be passsed on to your inlheritors..THERE IS A 5 YR AGING THAT MUST HAPPEN ON YOUR ROTH..AFTER THAT AND ONCE YOU REACH THE REQUIRED AGE YOU MAY TAKE OUT MONEY AS YOU WISH..EVEN GAINS YOU MADE IN THE LAST MONTH..NO TAXES DUE