The only real concern in merging IRA contributions with rollovers from 401K, is that your 401K funds can no longer be transferred to a future employers 401K. For most of us, the IRA is so much better in terms of control and investment choices that is a negligible loss.All of the money that came from your 401K is pretax. You keep track of nondeductible IRA contributions (ie aftertax) when you file that form (is it 8086?)with your 1040 every year you make a contribution.Thats all there is to it. There are no further problems. When you take distributions, all of the funds will be taxable except for the portion of each distribution designated to be aftertax.So don't worry about it. Go ahead and merge additional contributions and 401K rollovers into the same account. I would continue until they get to be very large. Consider starting a second IRA only when balances exceed $100K.Best of luck to you.
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