Roth to Roth

Can you take distributions from a ROTH IRA and then put that money into another Roth IRA?



You can, subject to the one rollover limit per 12 month period for all your IRAs. Therefore, if you simply want to move the funds to a new custodian you should use a direct trustee to trustee transfer instead of a distribution and rollover. These transfers are unlimited in number and do not have to be reported on your tax return. Of course, with a direct transfer you do not receive a distribution check and cannot use the money for up to 60 days.

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