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Hi, all.

A couple of months ago, we converted my wife's traditional IRA to a Roth IRA. We are planning on adding another $2000 as this year's contribution. However, a customer service representative from Vanguard, (where the account is), told us that we should open a separate account for this contribution. She was very adamant against commingling the assets, but, unfortunately, she wasn't able to explain why. Now, it seems to me that, (if we don't take any money out until my wife is 59 ½, over 25 years from now), it would not make any difference whether the money was converted from another IRA or deposited there outright, since all contributions would have been taxed. If that is the case, I don't see the need to pay twice the amount of account fees for this period of time. Am I missing something?

Thanks in advance for your comments.

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