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Greetings, Steve, and welcome.

<<In my rollover IRA, that I will not draw on for the next 15+ years, do I have to consider the difference between short and long-term gains. Fer instance, is the 12 month vs. the 18 month holding period on Foolish Four stocks important to me?>>

In a rollover IRA when you start withdrawals all earnings are considered income and will be taxed at ordinary rates in effect at the time of the withdrawal. Therefore, there is no recognition of capital gains. Thus, the holding period that produced those gains is unimportant. And that being the case, the difference between a 12-month and an 18-month period for tax purposes is immaterial. Nevertheless, there is some evidence that the 18-month period may produce incrementally better returns for the Foolish Four.


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