BY YOUR QUESTION, I> M ASSUMING THAT YOUR MUTUAL FUND IS IN SOME OTHER
TAX-SHELTERED PLAN LIKE A 401(k) OR A TRADITIONAL IRA.

THE ANSWER TO YOUR QUESTION IS: YES YOU CAN DO A ROLL-OVER, NO YOU
CANNOT DO IT WITHOUT TAXATION.

"Gabbo!" wrote:
- quote -

The other posters are correct that you must transfer CASH into the Roth IRA.
So you can't roll over the mutual fund as you described. If it's a mutual
fund within an IRA, you'll have to do a Roth Conversion and pay tax on the
IRA. If it's an after tax mutual fund and you simply want to use that to
fund the Roth, you'll have to sell the fund, move the cash, and repurchase
the mutual fund inside the Roth. Assuming there's a gain on the mutual fund
(that's a BIG assumption), you'll owe tax. If you have a tax loss
(different than investment loss) it will actually REDUCE your taxes NOW to
use that strategy.

Don't worry about the fund transaction costs if you're planning to use the
same fund. If you have a front-end loaded share, the company will almost
certainly allow you to repurchase the shares at NAV without paying a new
load. If it's a back-end loaded share, they'll likely refund the load if
you repurchase the B-share within 60 days.




"Gabbo!" <mat[at]hotmale.com> wrote in message
news:102amrqrg36vbd[at]corp.supernews.com...
- quote -

- quote -

No! Only cash can be deposited into a Roth.

"Gabbo!" <mat[at]hotmale.com> wrote in message news:<102amrqrg36vbd[at]corp.supernews.com> ...
- quote -

I believe all Roth contributions must be made with after-tax money.
That's what makes the withdrawls tax-free.

"Gabbo!" <mat[at]hotmale.com> wrote in message
news:102amrqrg36vbd[at]corp.supernews.com...
- quote -

No, only cash contributions can be made to either type of IRA. You'd have
to sell the mutual fund and pay any transaction fees associated with it as
well as the taxes on it next year and then transfer the money to the IRA
account.

Leigh in raLeigh

Can it be done without taxation?