<prompt> Human: So what I understand about IRAs is as follows.Traditional - deposit money into the account, you get to lower your taxable income at the end of the year by the same amount. When you want to take money out of it, however, youre taxed at your marginal income tax rate.Roth - you deposit money you get from your paycheck and its not taxed when you withdraw it.So then how does a Roth IRA differ from a normal investment account? If I invest in an online brokerage account for 40 years and then want to withdraw money, I dont get taxed upon withdrawal of it, do I? I thought taxes from that account are accrued via capital gains on profitable sales. Which is another question I have: say I have an IRA and buy and sell various securities - do I pay capital gains taxes on those transactions?  <response>: This is a friendly reminder to visit our wiki on Retirement AccountsYou might also benefit from this common topic: I have X, what should I do with it?This is a nice graphic to help provide visual contextAlso, please visit our FAQ!I am a botrAutoModeratorcommentsq11puwhat_is_automoderator, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?to2Fr2Fpersonalfinance if you have any questions or concerns. 