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1) Yes you can add gradual deposits into a ROTH IRA during the year. You just have to make sure that you never contribute more than 2000$ per year (you cannot put more than 2000 in and say that the additional money is part of my next years contribution).

2) You do not have to hold stocks at all times. You can have the money allocated however you want, cash, funds, stocks etc....

3) no, you just deposit into the existing account for future contributions

hope this helps
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