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

By: Release Equity

Release Equity — Mon, 09 Aug 2010 01:54:38 +0000

This is very interesting. Other countries all include this option for their IRA distribution. Good to see people can make a range of choices when retired.

By: animated video backgrounds

animated video backgrounds — Tue, 03 Aug 2010 11:38:18 +0000

great idea, but strange they are recommending investment in an asset whose value is dependent on equities for people above the age of 70

By: Grace@Foreclosure Help

Grace@Foreclosure Help — Sun, 25 Jul 2010 20:10:44 +0000

Your tips on taking an inkind IRA distribution are great. I wish I had read them prior to my parents liquidating their IRA's, for which they had to pay ordinary income tax. They could have strategized to minimize their tax liability had they known. Thanks for sharing.

By: Sell Gold

Sell Gold — Wed, 21 Jul 2010 23:10:29 +0000

I had not heard of an in kind IRA distribution before reading your article. Thanks for the info it sounds like a better solution than converting an IRA to a Roth and then paying tax on the lower value, and neither the owner, the owner’s spouse or other beneficiaries will pay tax on distributions.

By: bistro tables

bistro tables — Wed, 21 Jul 2010 18:23:02 +0000

I had quite a lot of losses on the stock markets so I did manage to offset my tax with those losses, so your advice has worked for me in practical terms.

By: Free Website Submission

Free Website Submission — Sun, 11 Jul 2010 06:31:44 +0000

Financial institutions should offer reverse mortgage to seniors as it is a great way to ensure regular pensions for them after retirement. This offers added security for those who have few other income sources.

By: Alan

Alan — Thu, 08 Jul 2010 02:31:06 +0000

I had wondered about this tactic. I didn’t know you could do this. I have an IRA rollover that had been desimated this last BIG drop and wiished I could transfer the value or the stocks into a Roth IRA since I had already lost most of its value. However, I did not want to cash it in but would prefer to see if it could ride high again sometime in the future. This is NOT the same thing as taking a distribution at retirement so I don’t know if the IRS would allow the transaction. I wondered if I could do an In-Kind distribution to place into the ROTH though and pay the tax on the value at the time of distribution without cashing the stocks to take out. This would avoid the fees of selling.
Any ideas would be appreciated.

By: Lemonade Diet

Lemonade Diet — Fri, 02 Jul 2010 11:08:02 +0000

Thanks for the information on IRA’s. Much appreciated.

By: Poker Bonuses

Poker Bonuses — Fri, 18 Jun 2010 00:36:13 +0000

That’s a good idea. I’ve been thinking for a while about ‘in kind’ IRA distribution for the improved tax benefits and such. Good info, I’m going to do some more research on it.

By: Troy Ounce Gold

Troy Ounce Gold — Mon, 14 Jun 2010 22:48:26 +0000

Tax on the MRD is almost like getting taxed twice; you pay tax on your income and get exemptions on your IRA, but then again when you draw on your retirement funds. But you can mitigate it by transferring stock to an account which is only subject to \regular\ income tax. Do I have this right? It’s a little complex. Anyway good advice here and also in the comments, thanks folks!