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Greetings, J, and welcome. You asked:

<<I have 2 regular ira certificates that are maturing soon. they are both from rollovers from previous companies i've worked for. i was thinking of intermingling these 2 together to get a higher interest rate. any disadvantages of intermingling these funds together?>>

The only reason you need to keep an IRA consisting of money from an old employer's retirement plan separate from other IRAs is to preserve your ability to later transfer that money into a new employer's plan that accepts rollovers from old plans. In your case, putting the two rollover accounts probably won't end your ability to do that. The only way it would is if one of those rollovers came from a 403b plan and the other from a 401k or pension plan. Also, take care if one of those accounts came from a SIMPLE that hasn't been open for two years yet. Otherwise, merging the two should be no problem for you.

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