You also have to be 59 and a half to withdraw (with out penalty) from the Roth IRA. I loaded the wifes Roth with CBAI and one other stock. I started loading the other in 2009 and CBAI just in the last few months. I had been waiting for an entry point in this one for well over a year...The wife turns 60 in 2014. It's going to be real interesting over the next few years...GLTA