Hi.
So I have had money sitting in a general investment account (ETFs and bonds ) for a few years. 60 percent stock 40 bonds
This year I have been saving more money liquid in preparation for a house down payment.
I have put int 4000 into my IRA this year.
Does it make more sense to take the extra money needed to max it out from my regular investment account and just transfer it over to max out my IRA, or risk not maxing out the IRA and just leaving everything as is?
I need the liquid money at the moment, so just not sure if its worse to leave everything as is and not max out the IRA this year, or transfer from one account to max out the IRA ( Which is 90 percent stock, 10 percent bonds )
If I move the money, the estimated tax impact for me shows I would owe 31 dollars
This is with a roboadvisor
Thanks!