Can I Transfer All Money In My Traditional Ira To My Roth Ira

A Roth IRA is  entirely  ineffective if you don’t,  spend  the cash in your Roth IRA.  Below, the number one  area for financial education I’m going to  discuss three of  the very best Roth IRA investments. Can i transfer all money in my traditional IRA to my Roth IRA. Any type of one of these investments can and will make you a tax-free millionaire.

Can I Transfer All Money In My Traditional Ira To My Roth Ira

I’m likewise mosting likely to make a referral on how to choose which of these three approaches is best for you. Similar to so many things in life, there’s never ever one right solution. Because the most effective financial investment for you may not be the very best investment for someone else. Can i transfer all money in my traditional IRA to my Roth IRA.

 So I want you to be as educated as  feasible  to make sure that you can be in full control of what  occurs to your money. 

 

 

It makes sense to utilize your Roth IRA for high growth investments, due to the fact that usually more revenues equals even more tax obligations, yet not if those investments are inside your Roth IRA. Not just this, yet the Roth IRA is a long-term car, so it likewise does not make feeling to spend for Passive revenue in your Roth IRA.

  Rather of focusing on passive  earnings in your Roth IRA, why not  concentrate on  development?   So this rules out a lot of investments,  as an example, Bonds or Money, Market Investments like CDs and short term Treasuries,  as well as  definitely not  money, because you  do not want to waste the tax shield of the Roth IRA on investments that return  just one  or 2 percent or nothing. 

 

Can I Transfer All Money In My Traditional Ira To My Roth Ira

Assuming you’re not around to retire next year, you want development as well as concentrated investments for your Roth IRA. Let’s speak concerning the three ways to spend in stocks, for your Roth IRA.

  1. 1. The first method to buy your Roth IRA is to purchase target-date funds
  2. The 2nd method is to purchase index funds.
  3. The 3rd way is to buy individual stocks.

 So let’s go into each of these  individually. 

 Without a doubt the easiest  financial investment for your Roth IRA is  getting target date funds.  Time frame funds is a mutual fund  which contains  3 to four  various index funds inside it. Essentially, it’s a fund of funds.

 Below’s a  normal  time frame fund and you’ll,  generally see a domestic stock fund, a International stock fund, a bond fund and  generally a small amount in a money market or cash fund. Can i transfer all money in my traditional IRA to my Roth IRA.  That’s what a fund of funds looks like.

A 2055 fund is going to be more heavily  heavy towards stocks. Can i transfer all money in my traditional IRA to my Roth IRA.  Its called a 2025 fund, since if you’re preparing to retire truly soon, you do not have the deluxe of waiting for a recovery in case of a stock market downturn. You’re going to have even more bonds, which offers you much more stability as well as much less in supplies.

Target-Date funds  immediately  choose a  mix of investments for you,  based upon your approximate age,  and after that it readjusts that  mix of investments. As you  come close to  old age, if  a lot more Americans  possessed target-date funds  throughout the last  economic crisis, they  actually would have been  far better off.

Can i transfer all money in my traditional IRA to my Roth IRA.  I understand it’s a delicate subject, however when you hear about people that lost half of their retirement in the 2008 stock market accident, many of them had too much of their portfolio in supplies, offered their age and or they either offered every little thing and then absolutely missed out on the recuperation. S, ince it’s every age particular, the name of a time frame fund is always mosting likely to have a year affixed to it.

   As an example, the Fidelity Freedom Index 2055 funds.  This is the  suitable target date fund for a  three decades old  that  would certainly retire  at some point around the year 2050. Can i transfer all money in my traditional IRA to my Roth IRA.  Every target date fund has a target retirement year as part of the name, so finding the best one, for you is truly very easy. Simply identify in what years someone your age would about retire and afterwards just seek a time frame fund keeping that year.

 Ramit Sethi, a personal  financing  master  as well as  very popular author of “I  will certainly  show you to be  abundant”, recommends  time frame funds for the vast majority of  individuals. He  speaks about how target-date funds are the ultimate set it  and also forget it  financial investment and they  set you back a  great deal less than  utilizing a robo-advisor. Can i transfer all money in my traditional IRA to my Roth IRA.  Yes, you can achieve greater returns with various other methods like the ones.I’m going to tell you about a little in the future. Yet these various other approaches all require even more work and also more effort. You do not obtain higher returns, putting in less effort. It’s like even more job equates to a lot more returns.

 That’s why target-date funds are the  rational choice for  a lot of  individuals. In that  feeling, target-date funds are a  piece of cake investment option for your Roth IRA. 

The  secondly of Roth IRA investments I want to  speak about is Index Funds. Can i transfer all money in my traditional IRA to my Roth IRA.  This technique is actually comparable to Target Date Funds, except it’s much more DIY.

The target date fund gives you a complete  efficiently  designated portfolio in one  great  bundle,  however with index funds. Can i transfer all money in my traditional IRA to my Roth IRA.  You basically would construct that yourself, so you have to select an asset allocation, that’s right for you as well as for your age, and after that you require to locate index funds to develop that asset allocation.

You  would certainly also  require to rebalance your portfolio once the market moves in order to  keep those  percent asset  allowances, as well as keep your retirement date or your goal date in mind.  And also readjust your portfolio  in the direction of a  much more  traditional allocation  in time.

 It is a little bit  much more  job than a target date fund, because you’re essentially going to do yourself what the target date fund  would certainly do for you.  Can i transfer all money in my traditional IRA to my Roth IRA.  The choice that benefits you if you desire a little bit even more control over your investments, a target date fund. For all you type-a, geeks as well as control fanatics out there, you’ll most likely want to do it.

This way, I  directly do index funds in  among my accounts  as well as I don’t do  time frame funds,  since I  directly want to  adhere to an asset allocation that isn’t  used by any target date funds. The asset allocation model that I  comply with is one recommended by David Swensen. He’s the  famous portfolio  supervisor of Yale’s, thirty billion  buck endowment fund.

I  discuss him a  great deal  and also he  advises  designating percent in  residential stocks, 15 % in international  supplies, 10 % in  arising markets, 15 % in  United States Treasuries, 15 % in  United States inflation-protected Treasuries and 15 % in roths or  realty  investment company.

So this is a portfolio made of six different index funds, but if you intend to maintain it simple, you can likewise just copy the allocation of a time frame fund. As an example, if you check out the Fidelity 2055 fund that we discussed earlier, you see that they have 60 % in domestic stocks.They have concerning 30 percent in an International stock fund et cetera of it in bond as well as money market funds. So you can just copy that asset allocation as well as discover index funds to develop that, and also simply do it on your own.

Actually there’s thousands of various asset appropriations you could select from. There is no person right solution, yet you just wish to understand the advantages and disadvantages of each and after that pick something. I selected David Swensen’s asset allocation because I like that it does not have a lot of eggs in one basket. Can i transfer all money in my traditional IRA to my Roth IRA.
In other words, there’s no single asset  course that dominates the portfolio there’s like at most 30 percent in the  residential  supplies, but  after that  whatever else is 15 percent in real estate and 15 percent in bonds and 15 percent in emerging markets.

This  implies that, throughout  any type of economic cycle or season periods of low growth, high growth, low inflation,  reduced  and also high  rising cost of living, my portfolio is  placed to benefit,  and also yet it’s still very growth  concentrated because  a lot of it it’s  remains in  supplies.

  It’s  truly  simply a fancier version of the  normal asset allocation of  a lot of target date funds, for a more  thorough  description on  just how to  spend in index funds for your Roth IRA make sure to download my Roth IRA investing starter  set.  Can i transfer all money in my traditional IRA to my Roth IRA.  It has step-by-step directions on various asset appropriations to select from. The pros and cons of each allocation, which index funds to acquire and also how much of each index fund to buy. It’s really certain extensive. And it’s an epic source that I’ve produced just for you and I understand you’re mosting likely to love it.

Once you decide on an asset allocation,  after that step is to  locate  affordable index funds that fit those allocations.

The  trick is to  see to it that the  cost  proportion of the index fund is under 0.2 %, and you can  also  discover a  great deal of index funds that are  a lot  less than that. If you’re thinking of doing index funds for your Roth IRA then  certainly download my Roth IRA  spending starter  set. It’s another  incredibly popular  choice that I did  especially on Fidelity Index Funds.

 The third  and also most  sophisticated  means to  spend your Roth IRA is by  acquiring individual stocks. At the heart of it,  rationale when buying individual stocks is that you’re trying to buy  excellent  business at a  great priceYou  do not want to  acquire bad companies at a  great  rate. Can i transfer all money in my traditional IRA to my Roth IRA.  You don’t want to get excellent companies at a negative rate. You wish to buy great companies at a great price. Certainly that’s simpler claimed than done, but essentially that’s the heart of it and investing in individual stocks is the fastest means to develop wealth.

 It’s  additionally the most labor-intensive  means to invest your Roth IRA. To  acquire for your Roth IRA, you  would certainly  desire to ask yourself the following questions: do I understand this  firm and the  sector it’s in. 

 

Can I Transfer All Money In My Traditional Ira To My Roth Ira

 Another  inquiry you  desire to ask  on your own is: do you want? Can i transfer all money in my traditional IRA to my Roth IRA.  You likewise desire to ask yourself: does this company have also much financial debt, which is actually something that would endanger its capacity to make it through any type of financial downturns.

In basic, you desire to spend in business that own twice as much as it is the extra it owes family member to what it owes the better. I speak much more regarding financial debt metrics in my Roth IRA Investing starter set so most definitely a copy.

 If you  have not  currently, another  inquiry you want to ask  on your own is: can I  purchase this stock at a  sensible price and what’s  sensible is  totally  family member?  It’s all relative to  exactly how  rewarding the company is, the more  lucrative a  firm is the  a lot more I’m  eager to pay to own that  supply. On the flip side, the less  rewarding that  firm is the less I’m  prepared to pay to own that  supply.

One fast way to tell if the supply is trading on a reasonable cost is to look at what’s called the p/e ratio or the cost to profits ratio. The rate to incomes proportion is a metric that compares the rate of the supply separated by its revenues per share and the lower the p/e ratio, the more affordable the price is family member to the revenues.

Again, my Roth IRA, investing starter  set  gives  in-depth  directions on  just how to find a stock’s p/e ratio,  along with how to  utilize it to make good investing  choices.

 

Can I Transfer All Money In My Traditional Ira To My Roth Ira

  Currently for some  suggestions on  exactly how to go about choosing which of these three Roth IRA  spending  techniques  would certainly be best for you. The  3rd  alternative of  selecting individual stocks  undoubtedly it  seems  enjoyable  as well as it can be  truly  financially rewarding,  yet 99 % of  individuals are  simply  chat  below. 

It’s  type of like if you’re  attempting to  reduce weight  as well as you  require to  pick a  diet regimen  strategy that you would actually  have the ability to do  as well as the  outcomes might not be as sexy or fast,  however at least it’ll work.

 Returning to  spending, you want to pick the  technique that you’re actually  mosting likely to do  and also  most of the times, just investing in target-date funds, you’re  mosting likely to end up  actually  actually  well-off. If you just do that  continually, if you’re a lazy  capitalist –  and also you  intend to  spend the money in your Roth IRA, with as little effort as  feasible –  select target-date funds. Can i transfer all money in my traditional IRA to my Roth IRA.  If your eyes just glaze over at the thought of managing your own investments as well as seeking index funds and also rebalancing your portfolio, after that do not compel yourself to do something that you don’t intend to do.

Life is too short for that, so  great deals of  individuals retire millionaires just doing target-date funds.  So I really  suggest target-date funds for the very kind of  careless, hands-off investor. 

For the slightly extra DIY financier I suggest index funds. I such as index funds as well and also for the extremely DIY investor I recommend discovering just how to spend in individual stocks.

All of you, type-a  geeks  around,  discover some  bookkeeping terminology and do a bit of  study  as well as number crunching. For  any person who takes the time to  find out how to  analyze individual stocks, it can be  actually  satisfying.

These are the three actually awesome means to invest your Roth IRA. Can i transfer all money in my traditional IRA to my Roth IRA.

Can I Transfer All Money In My Traditional Ira To My Roth Ira

A Roth IRA is  entirely  worthless if you don’t,  spend the money in your Roth IRA.  Right here, the number one  area for financial education I’m going to  discuss three of the best Roth IRA investments. Can i transfer all money in my traditional IRA to my Roth IRA. Any among these investments can and also will certainly make you a tax-free millionaire.

Can I Transfer All Money In My Traditional Ira To My Roth Ira

I’m likewise going to make a suggestion on exactly how to make a decision which of these 3 methods is best for you. Similar to a lot of things in life, there’s never one appropriate answer. Since the very best investment for you might not be the very best financial investment for another person. Can i transfer all money in my traditional IRA to my Roth IRA.

 I  desire you to be as  enlightened as possible so that you can be in full control of what  takes place to your money. 

 

 

It makes sense to utilize your Roth IRA for high growth investments, since typically more revenues equals even more tax obligations, yet not if those investments are inside your Roth IRA. Not only this, however the Roth IRA is a lasting lorry, so it likewise does not make sense to invest for Passive earnings in your Roth IRA.

 Instead of  concentrating on passive income in your Roth IRA, why not  concentrate on  development?   So this rules out a  great deal of investments, for example, Bonds or Money, Market Investments like CDs  as well as  short-term Treasuries, and  absolutely not  cash money, because you  do not  intend to  throw away the tax shield of the Roth IRA on investments that return only one  or 2 percent or  absolutely nothing. 

 

Can I Transfer All Money In My Traditional Ira To My Roth Ira

   Presuming you’re not about to retire next year, you  desire growth  and also  concentrated investments for your Roth IRA.   To put it simply, you  intend to  purchase  supplies.  So,  allow’s  speak about the three ways to  buy  supplies, for your Roth IRA.  Can i transfer all money in my traditional IRA to my Roth IRA.  I’ll first provide, what they are and after that I’ll explain exactly how each one works in order of most convenient to most progressed.

  1. 1. The first way to purchase your Roth IRA is to get target-date funds
  2. The 2nd way is to buy index funds.
  3. The 3rd means is to buy individual stocks.

 So let’s go into each of these one by one. 

By far the  simplest investment for your Roth IRA is buying target date funds.  Time frame funds is a mutual fund that contains three to  4  various index funds inside it.  Basically, it’s a fund of funds.

 Right here’s a typical target date fund  as well as you’ll, usually see a domestic stock fund, a International stock fund, a  mutual fund  as well as  typically a small amount in a money market or  money fund. Can i transfer all money in my traditional IRA to my Roth IRA.  That’s what a fund of funds looks like.

A 2055 fund is  mosting likely to be  extra heavily  heavy  in the direction of  supplies. Can i transfer all money in my traditional IRA to my Roth IRA.  Its called a 2025 fund, since if you’re preparing to retire actually soon, you do not have the luxury of waiting on a recovery in the event of a stock market downturn. You’re going to have even more bonds, which gives you extra security as well as less in supplies.

Target-Date funds  immediately  select a blend of investments for you, based on your approximate age, and then it  adjusts that  mix of investments. As you  come close to retirement age, if  much more Americans  had target-date funds during the last  economic downturn, they  truly would have been  better off.

Can i transfer all money in my traditional IRA to my Roth IRA.  I recognize it’s a sensitive subject, but when you become aware of people that lost half of their retirement in the 2008 stock market collision, most of them had way too much of their portfolio in supplies, offered their age as well as or they either offered every little thing and then entirely missed out on the recuperation. S, ince it’s any age specific, the name of a target date fund is always mosting likely to have a year affixed to it.

  The Fidelity Freedom Index 2055 funds.  This is the appropriate target date fund for a 30 year old  that would retire  at some time around the year 2050. Can i transfer all money in my traditional IRA to my Roth IRA.  Every target date fund has a target retirement year as part of the name, so discovering the appropriate one, for you is really easy. Just identify in what years a person your age would about retire and then just look for a target date fund keeping that year.

Ramit Sethi, a individual finance expert and also very popular writer of “I will certainly instruct you to be abundant”, recommends target date funds for the large majority of individuals. He chats regarding how target-date funds are the ultimate set it as well as neglect it financial investment as well as they cost a great deal less than using a robo-advisor. Yes, you can accomplish higher returns with other techniques like the ones.I’m going to inform you concerning a little later on.

 That’s  normally how it  functions. That’s why target-date funds are the  rational  option for  lots of people. Most people are  hectic professionals, they have  family members and all  type of other  points in their life  taking place and they don’t  truly want to  handle their investments.  In that  feeling, target-date funds are a  piece of cake  financial investment  choice for your Roth IRA.  

The second of Roth IRA investments I want to  discuss is Index Funds. Can i transfer all money in my traditional IRA to my Roth IRA.  This approach is really similar to Target Date Funds, other than it’s a lot more DIY.

The target date fund  offers you a  full  ideally  designated portfolio in one  good  plan,  yet with index funds. Can i transfer all money in my traditional IRA to my Roth IRA.  You basically would construct that yourself, so you have to select an asset allocation, that’s right for you as well as for your age, and then you need to discover index funds to build that asset allocation.

You  would certainly  likewise  require to rebalance your portfolio once  the marketplace  relocates order to maintain those  portion asset  appropriations, as well as  maintain your  retired life date or your goal date in mind. And  adjust your portfolio towards a more  traditional allocation  in time.

 So it is a  little  extra work than a  time frame fund,  due to the fact that you’re essentially going to do  on your own what the target date fund  would certainly  provide for you.  Can i transfer all money in my traditional IRA to my Roth IRA.  The choice that is good for you if you desire a little more control over your investments, a time frame fund. So for all you type-a, nerds and control go nuts there, you’ll most likely intend to do it.

 By doing this, I personally do index funds in  among my accounts and I don’t do  time frame funds,  due to the fact that I  directly want to follow an asset allocation that isn’t  supplied by  any type of  time frame funds. The asset allocation  version that I follow is one recommended by David Swensen. He’s the  famous portfolio manager of Yale’s, thirty billion dollar endowment fund.

I  speak about him a  great deal and he  advises  designating percent in domestic  supplies, 15 % in international  supplies, 10 % in  arising markets, 15 % in  United States Treasuries, 15 % in US inflation-protected Treasuries and 15 % in roths or  property  investment company.

This is a portfolio made of six different index funds, but if you desire to maintain it easy, you can additionally simply copy the allocation of a target date fund. If you look at the Fidelity 2055 fund that we chatted around previously, you see that they have 60 % in residential stocks. Can i transfer all money in my traditional IRA to my Roth IRA.  They have concerning 30 percent in an International stock fund and also the rest of it in bond as well as money market funds. You could simply duplicate that asset allocation and locate index funds to create that, and just do it on your very own.

Actually there’s thousands of various asset allocations you might choose from. There is no one right response, however you just intend to understand the advantages and disadvantages of each and after that choose something. I selected David Swensen’s asset allocation since I like that it doesn’t have way too many eggs in one basket. Can i transfer all money in my traditional IRA to my Roth IRA.
 To put it simply, there’s no single asset  course that dominates the portfolio there’s like at most 30 percent in the domestic  supplies,  yet then  whatever else is 15 percent in real estate and 15 percent in bonds  as well as 15 percent in  arising markets.

This means that, throughout any  financial cycle or season  durations of low  development, high  development,  reduced inflation, low  as well as high inflation, my portfolio is positioned to  profit,  as well as yet it’s still very  development focused  due to the fact that  the majority of it it’s  remains in  supplies.

It’s actually simply a fancier variation of the typical asset allocation of many target date funds, for a extra in-depth description on how to spend in index funds for your Roth IRA make sure to download my Roth IRA investing starter kit. The pros and also disadvantages of each allocation, which index funds to acquire as well as just how much of each index fund to purchase.

 When you  select an asset allocation,  after that step is to find  affordable index funds that fit those  appropriations.

The  trick is to  ensure that the expense  proportion of the index fund is under 0.2 %, and you can even find a lot of index funds that are much  less than that. If you’re  considering doing index funds for your Roth IRA  after that  most definitely download my Roth IRA investing starter  package. It’s another  preferred  alternative that I did  particularly on Fidelity Index Funds.

 The  3rd  and also most advanced  method to  spend your Roth IRA is by buying individual stocks. At the heart of it,  rationale when buying individual stocks is that you’re trying to buy good  business at a good priceYou don’t want to  acquire bad  firms at a  excellent  rate. Can i transfer all money in my traditional IRA to my Roth IRA.  You do not intend to purchase good business at a negative price. You intend to buy excellent companies at a good rate. Obviously that’s simpler stated than done, however essentially that’s the heart of it and purchasing individual stocks is the fastest way to develop wide range.

  It’s  additionally the most labor-intensive way to invest your Roth IRA.  There’s a bit of a  discovering curve  as well as it  needs you to  sort of  discover  just how to  check out  economic  declarations  and also  research on  private  business when you’re  checking out individual stocks. To buy for your Roth IRA, you would  intend to ask  on your own the  complying with  concerns: do I  recognize this company and the  market it’s in. Do I  comprehend how this  business  earns money  and also do I  also  recognize what this  firm’s  organization  design is  as well as what it  considers it to be  effective. 

 

Can I Transfer All Money In My Traditional Ira To My Roth Ira

 Another  concern you  wish to ask  on your own is: do you want? Do you  rely on the CEO and the  monitoring  group to do the  appropriate  point? You  likewise  intend to ask  on your own: does this  business have  excellent cash flow  currently  as well as in the future,  to ensure that does  entail  checking out the financial  declarations and  discovering  fads  and also patterns  as well as  thinking of where the  market’s headed in the future? You  additionally want to ask  on your own: does this  business have too much  financial debt, which is  actually something that would compromise its  capability to  make it through  any type of  kind of  financial  recessions. A  fast  method to tell whether a  firm has  way too much  financial obligation  or otherwise, is to  take a look at a Ratio called the debt to asset  proportion. 

In general, you want to invest in business that possess twice as much as it is the extra it owes family member to what it owes the better. I chat more regarding financial debt metrics in my Roth IRA Investing starter package so certainly a copy.

 If you  have not  currently,  an additional question you want to ask  on your own is: can I  get this stock at a  sensible  cost  as well as what’s  sensible is  entirely  family member?  It’s all relative to  exactly how profitable the company is, the more profitable a  business is the more I’m  ready to pay to own that  supply. On the flip side, the less  successful that  business is the  much less I’m  prepared to pay to  have that  supply.

  So one quick way to tell if the stock is trading on a reasonable  rate is to  take a look at what’s called the p/e ratio or the  rate to  revenues ratio.  Can i transfer all money in my traditional IRA to my Roth IRA.  The cost to earnings proportion is a metric that contrasts the price of the supply split by its revenues per share as well as the lower the p/e proportion, the more affordable the price is relative to the profits. The higher the p/e ratio, the greater or more costly the stock rate is about its incomes. To put it simply, a low p/e proportion indicates more bang for the buck. Or you’re getting more revenues for every single buck that you spend for that supply.

 Once again, my Roth IRA, investing starter  set  supplies detailed  directions on  exactly how to find a stock’s p/e ratio,  in addition to how to  utilize it to  make great investing  choices.

 

Can I Transfer All Money In My Traditional Ira To My Roth Ira

 Now for some recommendations on  exactly how to  tackle  selecting which of these three Roth IRA investing strategies  would certainly be best for you.   Most importantly, you  wish to be  sensible about what you’re  in fact  mosting likely to do.  There is nothing  even more  pointless than an  outstanding investing  technique that you’re not  mosting likely to  follow up with.  The  3rd option of  choosing individual stocks  clearly it  seems fun  and also it can be really  profitable,  however 99 % of  individuals are just  speak  below.  They don’t have  the moment or the  desire to  place in that kind of  job. 

It’s  type of like if you’re  attempting to  drop weight  and also you need to  pick a  diet regimen  strategy that you would  really be able to do  and also the results  may not be as  attractive or  quick,  yet at least it’ll work.

 Returning to  spending, you  intend to pick the  approach that you’re actually  mosting likely to do  as well as  most of the times, just investing in target-date funds, you’re  mosting likely to end up  truly really  well-off. If you  simply do that  continually, if you’re a lazy  financier –  as well as you  wish to  spend the money in your Roth IRA, with as little effort as possible – go with target-date funds. Can i transfer all money in my traditional IRA to my Roth IRA.  If your eyes simply polish over at the idea of managing your own investments as well as seeking index funds as well as rebalancing your portfolio, then do not force on your own to do something that you do not intend to do.

Life is too short for that, so lots of  individuals retire millionaires just doing target-date funds.  I  actually  advise target-date funds for the very kind of  careless, hands-off  financier. 

For the slightly extra DIY investor I recommend index funds. I such as index funds as well as well as for the extremely DIY investor I suggest learning just how to spend in individual stocks.

All of you, type-a nerds  around, learn some  accountancy terminology  and also do a bit of  research study  and also number crunching. For anyone who  makes the effort to learn  exactly how to  analyze individual stocks, it can be  truly rewarding.

These are the 3 really remarkable methods to spend your Roth IRA. Can i transfer all money in my traditional IRA to my Roth IRA.