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REDDIT

Open Roth IRA but stopping contributions soon?

N
Oct 4, 2025 · 08:38

Hi all, I'm 43 and have 5 ETFs (about $9-10k) that I need to do something with (long story, but essentially to avoid higher taxes as I transition from USA to UK residency -- US citizen here.

Basically I think I can either a) sell them all and purchase new ETFs that comply with UK reporting regulations, or b) open a Roth IRA and funnel them into that.

The problem is, once I move, I won't be able to make contributions to the IRA any longer as I won't have US-taxable income. I'll start purchasing new UK-friendly ETFs and make regular contributions to those though, but the IRA ETFs will have to be untouched after a year or so. Is it worth doing this and starting over from 0 with the non-IRA new ones, or should I take the tax hit by selling and re-purchasing?

TIA!