<prompt> Human: I have a scottrade Roth IRA account where I made the maximum contribution in 2014 5,500. I didnt receive a 1099-DIV and when I called to ask why he said I wouldnt need to claim dividends on my tax return because the dividends were reinvested into additional shares and therefore it would only affect my cost basis. Is this true? Do I not need to mention the dividends received from this Roth IRA because it is an after-tax, tax-deferred-growth account?  <response>: Its not because the dividends were reinvested, its because its a Roth IRA. You dont pay tax on dividends or capital gains in a Roth IRA. If you had to pay tax on those things, it wouldnt be a Roth IRA, it would just be a regular account.Not having to pay tax on dividends or capital gains is literally the whole point of putting your money in a Roth IRA. 