<prompt> Human: I sent a message to Vanguard asking about tax documents for 2015 and am still a bit confused. They said that they got an extension from the IRS that allows them more time till mid March to send out documents for Vanguard Brokerage Accounts.They then say that if Ive contributed to an IRA that theyll send me IRS Form 5498.Ive contributed to both my Roth IRA and into another account with an ETF and Mutual Fund.What documents will I get or do I need? Ive already received documents for my savings account and T Rowe Price deferred compensation account, as well as my W2 from work.  <response>: Well if its a Roth IRA there wouldnt be any taxable income for you, thats how they work.Regular IRA - Goes is tax free comes out taxable way later once you start taking distributions when you have retired Roth IRA - Goes in taxable, comes out tax-free way later once you start taking distributions when you have retired This is why you get a deduction for contributions to an IRA and not a Roth IRA.Unless you took a distribution in excess of the amount you have contributed to date none of it should be taxable to you. 