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Can you open the account and make a 1999 contribution but not make a 2000 contrib (until after April 14)?

Also, Is there such a thing as a joint Roth IRA or do you need to set up two: His and Hers?


Yes you can opent he account now with a 1999 contribution and not make a 2000 contribution till next year before april 15th if you want. You can make a contibution for any tax year from January 1st of that year till April 15th(or the tax filing deadline if later) of the following year. So you can make your 2000 contribution anytime this year or next year before April 15th, 2001.

There is no such thing as Joint IRA's (the I stands for individual) so you must set up his and hers.

Sorry it took so long for me to respond, I've been busy on other boards. Fell free to E-mail me with any further questions.

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