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Help! I just realized I made a major mistake. I closed a $39.72 Roth MM fund that was held less than 5 years. The $39.72 came from a Roth account that I no longer wanted to reinvest any payouts in additional shares of the fund. Will I be penalized on just the $39.72 or will I be penalized on the entire amount in Roth holdings? How much is the penalty?
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