Retiring before I can withdraw

[nalto]

This may seem like a REALLY dumb question, but I know that my Roth has an age requirement for withdrawing. If I wanted to retire before that age, I would obviously need money somewhere else.

So the question is this: can I invest in mutual funds at Vanguard (my Roth's home), or someplace like that, and withdraw whenever I want?

ETA: That's an obvious yes, so I guess my question is does anyone know Vanguard/Fidelity well enough to explain to me how?

[Deleted]

You just set up two different accounts. One is a tax deferred roth, the other is just a regular mutual fund account.

ETA You can call their customer line. They walk you through the whole process.

[cronewitch]

The ROTH doesn't have a age requirement to withdraw unless it is a ROTH 401K with your employer.

With a ROTH you can withdraw your amounts you contributed at any time without penalty. Earnings or money converted must be keep in their until 59.5 or 5 years for the converted funds.

401K can be withdrawn after 59.5 or if you retire after age 55 you can take it. That is a good option if you have plenty so can afford to retire before 59.5.

Taxable investments like stocks, bonds, mutual funds or rental properties have no age requirements at all. You could even use CDs or passbook savings but they don
t have enough return to keep up with inflation so much too risky to keep much money in.