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" I haven't sold any of my income stocks because I don't like to sell and the dividends are being reinvested, but for the past few years I've had almost no money to put into the IRA. "


If you want, don't take the dividends and re-invest them. Take that money and stuff it in a ROTH IRA instead. Of course, it's probably not all that much....but it would let your ROTH IRA grow and you could be buying mutual funds that buy mostly dividend paying stock or buy them in your ROTH IRA individually if you have enough each year to buy 100 shares or more of what you want.


Your expenses will be a bit higher..... maybe. You will have to do the math to see.

I like those dividend paying stocks now that I am retired. 15% tax rate and cap gains/dividends are 70% of my income other than SS.


t.
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