What's the Difference Between After Tax and Non Deductible Contributions?

While the money's in the account, you invest it in whatever combinations of stocks, bonds, mutual fundsnd. If there's any gains along the way, you're not taxed on those gains as they happen. Similarly, if you have any losses along the way,. There's no tax benefit of those losses. The account value's going to o up, going to go down. From a tax perspective, it doesn't matter what. What and when does matter isAny time you take money out of the tax deferred bucket, the tax deferred shell, the tax defered wrapper, then you pay tax. Any money that comes out that that you put in there, will be taxable when you