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I would be selling and buying stocks only within the IRA once a year following the Foolish 4 approach. Your question leads me to another question. I think I already have the answer but, when you sell at a loss in a traditional IRA you can't claim any loss because it is a tax-deffered account, right? And a Roth wouldn't be any different would it, since you take distributions at a later time untaxed?

Correct! - Whatever happens within any type of IRA, remains within that IRA - wins, losses, and everything in between. Betwixt 'n between, there is naught to report, or calculate for tax purposes, 'til distributions are taken.


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