Interest/Dividends from IRA

Jun 22, 2009 1 Replies

I realize that an IRA , and it's interest/dividends, are not taxable until the money is withdrawn, and then it is taxes as ordinary income.



Consequently, there is no advantage in investing in tax exempt securities , such as municipal bonds, in an IRA account..


HOWEVER..... If an IRA account were to have investments in tax exempt securities, and the interest from those securities are designated to be paid into a non-IRA account, where they may be withdrawn at will, are these proceeds (and not the principle) still tax exempt ?



Is this a reasonable way to obtain tax exempt income from an existing IRA without getting on the wrong side of the IRS ?



Thanks for your informed advice..



Andy


I think you may be asking whether you can purchase a municipal bond in an IRA and somehow instruct the trustee not to deposit the interest payments inside your IRA but rather to deposit them to a taxable asset account you maintain and thereby sidestep having an IRA distribution and not pay tax on the interest.

No!

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