No. of Recommendations: 1

I'm currently retired and have rolled to my Roth from my IRAs in 2010, 2011, and 2012. Each year was approximately $100K for which I paid income taxes on the rollovers each year (ordinary income). The account is now worth more than the $300k which was rolled into it.

Question 1: Since the rollovers were in stocks (in kind), not cash, how do I determine how much I can take out in 2015, 2016 and 2017? Someone has advised me I can take out the $100K plus growth. If this is true, then a second question occurs

Question 2: Since I try to be a good steward of my accounts, I do various things to keep it growing (selling non performing stocks, buying new stocks, re-balancing, etc.). So the only thing I will know in 5 years is how much I put in 5 years previous, since the stocks probably won't be the same.

How do I determine how much I can take out? Do I use some sort of averaging growth technique? Or can I simply say that 1/3 of the input to this account was made in 2010 and I can therefore take out 1/3 in 2015?

Question 3: I hope I'm a good investor, but what about the negative case? What if in 2015 the account value is less than the input from rollover?
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