I see, there are loopholes.
About the 5 year rule for Roth IRA, Lets say:
- 2010 I put 5,5K
- 2011 I put 5,5K
- 2012 I put 5,5K
- 2013 I put 5,5K
- 2014 I put 5,5K
- 2015 Can I withdraw more than 5,5K? Or just the amount of money that I had in 2010?
Wouldn't it be very similar if I just contribute the minimum to the 401K so my company matches the maximum, and then put as much as possible into a personal taxable account?
Why putting money into a Roth or Traditional IRA if I can just invest it in a personal taxable investment account?