Real ChatGPT answer · index seedPk6YI43YXjccompleteFinance and banking · retirement accountsinformational

Why does the IRS enforce the pro rata rule instead of letting people convert only their after-tax contributions?

ChatGPTgpt-61 query10/31/2026
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The searches the AI actually ran for this prompt.

SEED QUERY
Why does the IRS enforce the pro rata rule instead of letting people convert only their after-tax contributions?
1 real search · 1 real-search pass
IRS pro rata rule traditional IRA aggregation rule section 408(d)(2) Publication 590-B basis distributions conversionsGoogle ↗
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ChatGPT1 real searches · gpt-6
IRS pro rata rule traditional IRA aggregation rule section 408(d)(2) Publication 590-B basis distributions conversions Google ↗

Queries

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Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS pro rata rule traditional IRA aggregation rule section 408(d)(2) Publication 590-B basis distributions conversions
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