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Hello everyone! I'm hoping someone can help me...

I contribute the maximum to a ROTH IRA every year. But, in order to make trades, like everyone else, I pay brokers fees. Do those fees have to come out of my contributions, or can I put in extra to cover them?

For example, let's say I put in $3,000 and want to buy 3 $1,000 blocks of stock. Let's say I pay $10 a trade. That means that I can only invest $2970 of my $3000. The $30 doesn't sound like much, but on $3,000, that's a 1% return on investment I lose off the top.

Instead of putting in $3,000, though, can I put in $3,030 without violating any rules?


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