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I have a Roth IRA that is not doing well. I am not 59.5 and I have not had it for 5 years. I want to move it into a Roth IRA in a different fund family, but I do not want to move it all at one time. If I move it into a Money Market account and then dollar cost average it into another fund, will I be considered "taking ownerhsip" of the fund? In other words, will I will be incurring an early distribution penalty? Thanks for any help you can give me.
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