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IRA Conversion & Recharacterization
The Janus Advantage

IRA Conversion

An IRA Conversion is a taxable rollover from your Traditional IRA to a Roth IRA. We recommend that you consult a tax adviser about your eligibility and the possible tax liability of converting before you do so.

If you've decided you would like to convert your Traditional IRA to a Roth IRA, simply fill out an Authorization to Convert Form and send it to Janus. You may also need to Open a Janus Roth IRA to receive the converted assets.

IRA Recharacterization

If you have already converted your Traditional IRA to a Roth IRA and find you don't meet the requirements to own a Roth IRA, you may need to recharacterize (move the assets) back. Traditional IRA and Roth IRA contributions may also be recharacterized.

Recharacterizations are not taxable but are reported to the IRS. To begin, you'll need to complete a Recharacterization Form.


Systematic Required Minimum Distribution (RMD) - To have your annual RMD calculated then sent to you automatically (either by check or deposited directly into your bank account), please complete, sign and mail the Janus Retirement Systematic Distribution Form.

Please consider the charges, risks, expenses and investment objectives carefully before investing. Please see a prospectus , or if available, a summary prospectus containing this and other information. Read it carefully before you invest or send money.

A IRA should be considered a long-term investment. IRAs generally have expenses and account fees, which may impact the value of the account. Non-qualified withdrawals may be subject to taxes and penalties. Maximum contributions are subject to eligibility requirements. Depending on your eligibility, you may not be able to contribute the maximum amount. For more detailed information about taxes, consult IRS Publication 590 or your tax adviser regarding your personal circumstance.

Janus Distributors LLC