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With a transfer IRA, you move your IRA funds from custodian to custodian or from trustee to trustee, making the transaction easier for tax purposes, since no 1099s are required. A rollover IRA is distributed from one IRA or qualified plan, then deposited into another IRA or qualified plan within a 60-day period. This allows the funds to keep their tax-advantaged status.


  • Transfer IRAs make the transaction easier for tax purposes
  • Rollover IRAs deposit funds from one qualified plan to another

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