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	<title>Comments on: Max That Roth! (Again)</title>
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	<link>http://www.fivecentnickel.com/2006/04/14/max-that-roth-again/</link>
	<description>personal finance tips, tricks, and commentary</description>
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		<title>By: nickel</title>
		<link>http://www.fivecentnickel.com/2006/04/14/max-that-roth-again/comment-page-1/#comment-4173</link>
		<dc:creator>nickel</dc:creator>
		<pubDate>Tue, 02 May 2006 18:57:21 +0000</pubDate>
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		<description>Hong: The five year hold period doesn&#039;t apply to regular (i.e., annual) contributions. See my more recent article on &lt;a href=&quot;http://www.fivecentnickel.com/2006/05/02/withdrawing-your-roth-ira-contributions/&quot; rel=&quot;nofollow&quot;&gt;withdrawing Roth IRA contributions for further evidence&lt;/a&gt;.</description>
		<content:encoded><![CDATA[<p>Hong: The five year hold period doesn&#8217;t apply to regular (i.e., annual) contributions. See my more recent article on <a href="http://www.fivecentnickel.com/2006/05/02/withdrawing-your-roth-ira-contributions/" rel="nofollow">withdrawing Roth IRA contributions for further evidence</a>.</p>
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		<title>By: Hong Tran</title>
		<link>http://www.fivecentnickel.com/2006/04/14/max-that-roth-again/comment-page-1/#comment-4172</link>
		<dc:creator>Hong Tran</dc:creator>
		<pubDate>Tue, 02 May 2006 18:49:50 +0000</pubDate>
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		<description>I completely agree with you on the importance of the Roth.  As a side note: there is a 5 year hold period before you can pull out your contributions without any tax penalties.
Also, rollover conversions from IRAs can be taken out without tax penalties after 5 years also.  The order of withdrawal is direct contributions and then conversion amounts.</description>
		<content:encoded><![CDATA[<p>I completely agree with you on the importance of the Roth.  As a side note: there is a 5 year hold period before you can pull out your contributions without any tax penalties.<br />
Also, rollover conversions from IRAs can be taken out without tax penalties after 5 years also.  The order of withdrawal is direct contributions and then conversion amounts.</p>
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