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91ge t1_jab1wdl wrote

Reply to comment by 93195 in My Roth IRA is 100% invested into VTSAX. Is it an issue to keep investing in VTSAX each year? by dennisj9

What are the mechanics of moving to something like a target date fund, if I had been fully invested in equities for the previous ~30 or so years? Sell the equities and simply buy into a target date fund?

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TheBestNarcissist t1_jab9myv wrote

From my understanding, yes, and since it's in an IRA you don't owe capital gains taxes.

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93195 t1_jabai6h wrote

Yup. No tax implications of anything done within an IRA. Sell VTSAX, buy VFFVX.

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