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capital-gains-tax roth-ira capital-gain retirement-plan roth-401k

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June 13, 2025 Score: 4 Rep: 194,899 Quality: High Completeness: 30%

No, transactions within the tax deferred accounts (like IRA, 401(k), and other similar varieties) have no tax consequences. Tax only applies to withdrawal from these accounts. Holding periods of any individual asset within the plan are not important.

June 18, 2025 Score: -4 Rep: 15 Quality: Low Completeness: 10%

From what I understand, short-term capital gains are taxed as regular income, so they would just add to your total income for the year. Roth IRA contributions are made with after-tax money, so those gains wouldn’t affect your ability to contribute unless your total income goes over the limit. Same for traditional 401(k), I think — but I’d double-check with a tax advisor.