Is there any reason not to combine a Roth to which you contributed and a Roth set up with money converted from an IRA?
The original Roth was established over 5 years ago.
Answers | 4
The main downside to combining an existing ROTH with funds from a ROTH set up with converted funds is TIME. Can you wait 5 years as you did with the previous ROTH? If not, either do not convert the funds to a ROTH or draw down only the funds from the ROTH which is over 5 yrs. Keep in mind that both of these ROTH '(previous and new) accounts are subject to eligibility rules.
Another question for you is what is your MARR- Minimum Acceptable Rate of Return? Are you getting this with your ROTH? We can customize something for you. We love the self-directed ROTH. You can also do this with a traditional IRA. The main benefit is a higher ROI. Our focus is low risk and high ROI.
Contact us directly to discuss your situation in greater detail or for more information. We offer several educational seminars, etc. designed to get you where you need to be and keep you there. No obligation.
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