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Do wash sale rules apply when transactions are conducted totally within a Roth IRA?

This question is moot. Basis of assets and capital gains & losses within an IRA are irrelevant, and the wash sale rules affect only basis and capital gains/losses. Broker's commissions aren't irrelevant to your investment success, but trade away as you please without tax consequence.

Also, what if I sell a stock at a loss in my taxable, non-retirement account, and then buy it in less than 30 days in my Roth?

Type "wash IRA" in the search box at the top of the screen and enjoy our various thoughts.

Phil Marti
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