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Greetings, Marcoji, and welcome. You asked:

First, I've heard that the IRA maximum contribution will be increasing soon. Any truth to this?

That will happen only if Congress passes legislation and the President signs it. Neither has occurred so far. If and when it does, be assurred it will be trumpeted loudly in all the media across the land.

Second, I want to invest $2,000 in a Roth IRA for the last tax year, and $2,000 this year. I'm 26, and I'm willing to take risks. I liked the foolish 4, but am not so sure anymore. Anybody have suggestions for an investment strategy?

The FF is not as attractive as it once appeared to be. To see why, see Ann Coleman's Columns announcing the end of the FF portfolios. There are several. Read this article and follow the links therein:

For your own investing strategy, you shouldn't do too badly simply by using a low-expense index fund like the Vanguard 500 until you settle on what you wish to pursue.

Third, I know that if you make over a certain amount, you can't invest in the Roth IRA. I've heard at least three different figures so far, the highest being 150,000. Does anybody know what this amount is?

That depends on your filing status and whether you're talking about an annual contribution or a conversion of a traditional IRA to a Roth. For details, try your own research by checking out our IRA area at

Fourth, what happens if, for example, I invested $2,000 in the foolish 4 in a Roth IRA. Next January, let's say my stocks did well and my account is up to $2,500. I then want to rebalance my portfolio and pick new stocks. Can I do this, or will I violate some rule because I'm technically "putting" in $500 more dollars than I'm allowed to? I'm really confused about this last point.

Neither gains nor losses on the money you put into an IRA affect what you may contribute in subsequent years. If your IRA gains $2K in one year, you may still put in $2K in the following year (or even the same year if you have not yet made a contribution).

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