Why Should I Open A Roth IRA? 
Any step made to accumulate money for retirement is a step in the right direction . The money accumulated in a Roth IRA can be withdrawn after 5 years income tax free and without the additional 10 % penalty tax if you are over 59.5 years old , have become disabled or are using the money for a first time home purchase . Additional advantages of a Roth IRA are that there will not be a minimum distribution required when you reach age 70.5 , and there are superior estate tax opportunities . 