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system
is it possible to transfer stock i already own into my roth ira without having to sell the stock?
user
no. a deposit to an ira must be in cash. a conversion from traditional ira to roth can be "in kind" i.e. as a stock transfer. last, any withdrawals can also be in stock or funds.  irs publication 590, so important, it's now in 2 sections part a and part b, addresses ira issues such as this as well as most others.  by the way - now on page 7 - "contributions, except for rollover contributions, must be in cash."
assistant