Can I co-mingle TWO rollover IRA's now?

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Subject Author Date Can I co-mingle TWO rollover IRA's now? me 09-26-2007  Re: Can I co-mingle TWO rollover IRA's now? Rich Carreiro 09-26-2007  Re: Can I co-mingle TWO rollover IRA's now? me 09-26-2007  Re: Can I co-mingle TWO rollover IRA's now? joetaxpayer 09-26-2007
Posted by on September 26, 2007, 1:53 pm I have two sep Rollover IRA's form two diff job changes Can I combine into one acct now? One is with Fidelity and other with Vanguard and I like it all with Vanguard if possible. If they can NOT be commingled....can I at least move them BOTH to Vanguard as separate but two distinct accts? Also....can I change them to Roth IRA's as well? Posted by Rich Carreiro on September 26, 2007, 2:25 pm me@privacy.net writes: > I have two sep Rollover IRA's form two diff job changes > > Can I combine into one acct now? Yes. You always could. The issue (before the change of law sometime in the past 5-6 years) was commingling a rollover IRA and a contributory IRA. -- Rich Carreiro rlc-news@rlcarr.com Posted by on September 26, 2007, 3:23 pm >> Can I combine into one acct now? > >Yes. You always could. > >The issue (before the change of law sometime in >the past 5-6 years) was commingling a rollover IRA >and a contributory IRA. OK but is it advisable? is there some compelling reason to keep them separate since they came form different companies and distributions? Neither one is in stocks yet.... just setting in money market funds for time being. Posted by joetaxpayer on September 26, 2007, 3:45 pm me@privacy.net wrote: >>>Can I combine into one acct now? >> >>Yes. You always could. >> >>The issue (before the change of law sometime in >>the past 5-6 years) was commingling a rollover IRA >>and a contributory IRA. > > OK but is it advisable? is there some compelling > reason to keep them separate since they came form > different companies and distributions? Neither one is > in stocks yet.... just setting in money market funds > for time being. I recently read that one broker did not allow for different IRA accounts to have different beneficiary structures. They automatically changed all accounts to the bene list for the oldest account. Don't recall which broker, but if this is important to you, having the two brokers may be desirable. No other reason I can think of. In general 'simplify' is the way to go. Earlier, you asked about Roth conversion. See http://www.fairmark.com/rothira/eligible.htm for complete details if you are eligible. JOE Similar Threads Posted Beyond 410k, IRA's? September 24, 2007, 2:23 pm 401k and lump sum pension IRA's June 27, 2007, 5:05 am Rollover from a 403(b) or NOT!! December 17, 2006, 8:23 am Rollover into 403(b) vs IRA May 28, 2007, 4:05 pm IRA and Rollover IRA January 11, 2008, 7:13 pm 401k rollover October 30, 2006, 5:01 am 401K rollover November 7, 2006, 10:40 am rollover rules January 5, 2007, 4:58 am 60 Day IRA Rollover Question February 28, 2007, 7:23 pm Old 401k, rollover? To what? March 27, 2007, 5:01 am