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60 day loan from IRA with a catch...


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Guest Doogie61
Posted

I know you can "borrow" from your IRA for 60 days and as long as the money is returned BEFORE the 60 day period it's not a taxable distribution. What if the person did not return it to the IRA but instead deposited it into a Qualified Retirement plan before the 60 day period was up?

Would that still be OK?

Doug

Posted

It is okay, but make sure you don't do this twice in 12 months time.

John Simmons

johnsimmonslaw@gmail.com

Note to Readers: For you, I'm a stranger posting on a bulletin board. Posts here should not be given the same weight as personalized advice from a professional who knows or can learn all the facts of your situation.

Guest Rajeev
Posted

You can only do that from a tax deferred IRA not from a Roth IRA... one cannot rollover from a Roth IRA to a Roth component of the Qualified Plan (aka Roth 401(k))

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