@indexer, you sure you understand the 5 year rule?
I thought it was 5 years for rolled over principle, but the earned part is still going to be taxed if taken out/hit by 10% penalty...
And regardless of time frame, you can always take the principle back out with no penalty... so he could take $100 back out without problem
Anyways, I thought just leaving it in brokerage but not buying anything with it IE, banking it there, you still get interest on it. I get interest on my uninvested money but not a lot since they want people to use it and not park it. I think it is around 0.01% interest on uninvested money, but it's so small I don't even count it. But the main part is that it provides $500k of FDIC insurance instead of $250k like banks do. Not that I have that much, nor would I leave it as cash but it's just something that is offered. And where the interest comes from too
I'd just leave it or buy an ETF with $100 if you can get one with no commission. If there is commission, you'd lose out on it on just $100 invested