Well, ask a stupid question. I'm trying to understand about Roth IRAs as they have to do with retired people. I ask this yesterday and did not make myself understood. So I'll try again a different way.Can I transfer $18,000 in stock certificates out of my company 401K plan as stock certificates, to a Roth IRA, paying the required taxes of appox. $2,700 now. Then, leaving it at least 5 years, get the appreciation, considering it does go up, tax free?==========As long as you are eligible for a distribution from the 401k then I believe the procedure would be to distribute to your IRA and then convert the IRA to a ROth.Could I also contribute an additional $2,000 each year here after? Or, is it true as I've been told, retired people cannot have a Roth IRA?===========You may as long as your income is below certain thresholds and you have "earned" income equivalent to the amount of the ROTH contribution (<=2,000).Earned income is income subject to FICA tax - IE wages.PEteSorry, I forgot to mention I am retired
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