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Neither Roth nor traditional IRAs allow you to take loans, but you can access money from an IRA for a 60-day period through what's termed a "tax-free rollover" as long as you put the money back into the same or a different IRA within 60 days. You're limited to only one such "rollover" within a 12-month period, regardless of the number of IRAs you Vanguard average expense ratio: Industry average expense ratio: All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2020. When taking withdrawals from an IRA before age 59½, you may have to pay ordinary income tax plus a 10% federal penalty ;· The Vanguard representative is correct that IRA accounts do not have loan provisions, whereas many 401 (k) plans do have such an option. (For more on 401 (k) loans, see this MarketWatch article from Elizabeth O’Brien.) Perhaps your friend was talking about the ability

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