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Investors & landlords
Since you can only contribute to your IRA with cash you will have to sell the securities in your brokerage account which will be a taxable event. Any transaction done within your retirement account is not a taxable event. Note that the wash sale rules apply so that if you sold an asset in your non retirement account at a loss you could not immediately buy the same asset in your IRA without it being considered a wash sale.
‎October 5, 2024
9:05 AM