iona64
New Member

How can I reconstruct ROTH IRA contributions made for my child starting some 20 years ago

Here is my dilemma.   Back in the 1990s when I was working, I made contributions to a Roth IRA for my then 19 year old daughter.  I made these with Fidelity and put in $2,000 yearly for at least 8 years,    I don't have any records to verify this.   She took out some $27,000 this year to pay off creditors and other bills.    The 1099 does not show how much is taxable so I have to figure that out so she does not pay taxes on the full $27,000, only the gains,   Can I put my best guess in for prior contributions when completing whatever form I need  to do it on?   I have no records of any checking accounts from back then,