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Greetings, Trex, and welcome to Fooldom.

<<For what it's worth. I double checked this with an IRS rep.
With a self-direct IRA, the money is considered as a 'one lump' amount...if you care to buy and sell stock within a short period of time, you are only taxed when you take regular payments out, using rate on tax table for income only.
Hope this doesn't turn some of you IRA Fools into day traders. >>

I'm puzzled why you were concernd at all with trades within an IRA or why you would have thought withdrawals from a deductible IRA would be taxed in any other way. And FWIW, the same applies to withdrawals from a 401K, too. Roth IRAs will be a great improvement over both because all growth will be untaxed when withdrawn. Depending on circumstances and because of capital gain rates, a taxable investment is often better as well.

Regards.......Pixy
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