For CY 1999, I contributed the max to my Roth of $720. For CY 2000, I contributed the max of $1200. Now the combined total of my investment is less than the original $720. What happens if my max CY 2000 contribution is less than $1200? Do I suffer a penalty? Realizing that the portfolio is now well below the original contributions, would I have to withdraw $? Thanks. RCH
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