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Subject:  Re: Comingling Date:  12/21/1999  9:46 AM
Author:  TMFPixy Number:  16697 of 88764

Greetings, 2nickels, and welcome. You wrote:

<<I just transferred 2k from a regular IRA to my SEP (E-trade). I've heard about not co-mingling assets because I may want to roll into an employer-sponsored plan someday. I can't see that happening, but I wonder if the two retirement account types will give a problem.>>

Assuming the regular IRA did not consist of money transferred from an old employer's pension or 401k plan, then merging it with your SEP has absolutely no impact. A SEP-IRA is really nothing more than a regular traditional IRA to which a self-employed person sends contributions authorized under a SEP. Once the money is there, it's just like any other IRA. Also, money in a SEP can never be transferred to a qualified plan like a 401k. Thus, the comingling of an IRA to which you have made annual contributions with a SEP-IRA has no adverse impact on you.

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