Comments on: Take an ‘in kind’ IRA Distribution If You Expect Its Value to Increase

By: Ridge Dickey

Ridge Dickey — Tue, 17 Nov 2009 00:28:47 +0000

Good tip. On the other hand, there could be an advantage to converting an IRA to a Roth, paying tax on the lower value, and neither the owner, the owner’s spouse or other beneficiaries will pay tax on distributions. Moreover, the MRD rules are out the window on the owner and spouse if married, but not other beneficiaries. So far, projections indicate that a Roth conversion is risky because for example a single owner might die soon after the conversion is irrevocable and the heirs might not be too happy. But the owner might be able to cover the risk at reasonable cost through term life insurance if young and healthy enough. Also, projections indicate that a Roth conversion makes more sense for high net worth individuals. Also, consider the asset protection lost when pulling money out of an IRA if the owner lives in a state where it’s exempt from creditors.

By: How to trade stocks

How to trade stocks — Wed, 30 Sep 2009 17:51:37 +0000

Thanks for the post. Learn something there. I think equities are going to continue to rise, it seems the worst of the financial crisis could be over. The dow looks like it may be heading back upto 10,000. It’s standing at 9,600 right now. Hopefully this will benefit us all if we are close to retirement or not.

By: Roth Ira Investment

Roth Ira Investment — Sat, 15 Aug 2009 15:20:43 +0000

IRA Distribution Rules at Death

The distribution rules required at the death of an IRA owner depend on several things:

1. Did the IRA owner die before or after the “required beginning date”?

2. Who is the beneficiary?

In order to carry out the wishes of the IRA owner, evaluating both practical and estate planning implications of various decisions during the IRA owner’s life is essential. Important choices occur when the IRA owner makes his beneficiary election and, if married, by the spouse after the death of the IRA owner

By: Cheap@web hosting

Cheap@web hosting — Tue, 05 May 2009 19:38:44 +0000

That is a great idea. You can also do the same when transfering iras and other retirement accounts from one broker to another. Like the fact your not cashing the stock out so your not looseing any money.

By: Best etf funds lit

Best etf funds lit — Fri, 03 Apr 2009 12:42:57 +0000

Nice tip. I like the fact your not selling the stock just moving it. This way you do not lock in the loss and can make money. Wonder if that can be done in 401 k or if you have to convert to ira then do it. Best etf funds lits last blog post..Gold double long etf.

By: tew

tew — Thu, 26 Mar 2009 17:53:25 +0000

Why not just keep it simple and sell the stock in the IRA account and buy it in a regular taxable account? Except for the transaction costs, it’s the same result whether the stock appreciates or loses value. (The only thing that’s unclear is the effective ‘purchase date’ of the in-kind stock distribution - if it is the original purchase date within the IRA, then there could be some advantage to the in-kind distribution if you think you’ll want to sell the stock within a year at a profit.