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I am on SS disability and will be until I am 65. When it is advantageous, tax wise I like to move money from my IRA to a Roth Ira. If I want to ship investments to my 2yr old Roth IRA this year, can I do this or do I have to set up a new Roth IRA, because of the 5 yr holding period to avoid penalties on withdrawal? If I add to my existing Roth IRA does the five years begin again with this addition? If I am already disabled does the five yr period apply?
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