I am retired but not yet 73. I have been doing Roth IRA conversions for a few years. I know you can’t withdraw the converted principal for a period of five years. My question is when I can access the on-going dividends that were generated from the converted stocks without paying a penalty? – Mayboline If you're doing Roth conversions it's good that you've taken the time to familiarize yourself with the rules surrounding them. That can save you a headache, as people often run into issues simply because they ...