re: Opinion on stocks in Roth account

quote:

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ir Saint is right. A ROTH account is supposed to be for guaranteed boring investments (VOO, SCHG). Set it and forget it. Remember.... you cant touch this money until your 59 1/2 (without penalty) so put all of those... shoot for the stars... companies in a regular taxable account. If they do hit, then u can access the $ if u want to.

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I don't totally understand this concept....for one, I'm only a couple of years away from 59 1/2. If I get large returns on some of these stocks, why would I want to pay a bunch of taxes in a regular account when I could take it out tax-free in a ROTH account in a few years? I know you can't withdraw completely out of the account until that time, but there's nothing that prevents you from selling some or all of the stocks that hit it big and leaving it in the account as cash for some or all of the remaining time until you can take it tax free.