<prompt> Human: Dear fellow Redditors, I have about 3 stocks within my Vanguard brokerage account I would like to move into my Vanguard Roth IRA account. However Im finding it difficult. I thought Id be able to just make a transfer. But Im reading were Id need to make a trade instead; place an open trade on the market and essentially buy my own stocks back but in my IRA account - that cant be right?! Please help!  <response>: the IRS only allows cash for IRA contributions so you cant contribute by making an in-kind transfer 