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Provided you do custodian to custodian transfers, you may make unlimited transfers from one IRA account to another (at least under IRS rules). Its the rollovers by check that are limited to 1 per year.

Your brokerage account will probably allow you to invest in a wide variety of investments including short term or even day trading. You give orders for how much of the account you want invested in what and when. The brokerage follows your instructions.

As long as you leave the money in the IRA there will be no penalties to pay. If however, you withdraw 30K from the account, you will incur penalties in addition to regular income taxes. So do your investments within the account if you can.

Conversion to a Roth IRA is another matter. The conversion does require payment of income taxes on the amount converted. For large accounts, the tax bite can be a major barrier.

I know of no method to get money out of the IRA or Roth IRA without paying penalties other than SEPP payouts. You might want to consider them. But payments must be continued long term.

IRAs are intended for retirement. So if you need funds for business ventures, it would be best to set up taxable investments to fund those ventures in addition to your 401K/IRA/Roth IRA.
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