### Comment:
Easy. If you hit it big after having the account for 5 yrs you can claim you're making a qualified early distribution because of a disability. Shouldn't be hard to get a doctor to sign off on you being severely autistic. I think just a regular income tax would apply to any earnings over your original contribution. 
  
 Source:  https://www.irs.gov/pub/xml_bc/66303u04.gif 
  
 U need a better financial adviser.

### REPLY:
ok legit question here cuz im a noob. If you daytrade and make gainz in your IRA acct, how do those gains get taxed? Assume that I do not take out any of the money over a 5 yr period. My financial advisor is being a dick and not letting me manage my acct. I was thinking of moving my shit over to TDAmeritrade

### END.