No. of Recommendations: 7
A separate IRA account does nothing to help track your non-deductible IRA contributions.

I know at least two other non accountant types that find my way easier so we will keep using it.

Before this game of "Mine Are Bigger Than Yours" gets out of hand, a valedictory note of clarity for lurkers.

Peter's point is that for tax purposes it matters not where you keep your after-tax contributions. All traditional IRA accounts, including pre-tax, after-tax, SEP, SIMPLE and rollovers from employer plans are lumped together when calculating the taxable portion of distributions from any of them. Further, when you make after-tax contributions you must report them on Form 8606, and it's a good idea to make sure you can put your hands on the last one you filed. At one time you were required to file one every year even if there was no activity, and some people still do that so they have it readily available.

Don's point is that he finds it easier to keep all his after-tax contributions in one account regardless of the treatment of distributions.

The points are not mutually exclusive.

We return you to your regularly scheduled programming.

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