As I contributed a lot for many years to my Roths I have zero problems accessing funds from my Roths, tax free. I also never have withdrawn monies holding over 100 penny positions in my Roths as they have accumulated a lot of cash. I don't need that money as I have other available cash. I have zero tax worries on the money in my Roths. It's the only way I would trade pennies, never in an open account subject to capital gains, long and short and having to keep records of every trade.