Wash sale question


Sorry, another wash sale question!

I have a relatively large holding in my individual investment account that I’ve been averaging down for some time and I plan on selling for an overall profit. I will have purchased some of the shares for more than the sale price, but I’m planning on closing the entire position.

I have just opened a small position of the same stock in my retirement account (SEP-IRA) that I’m also planning on selling, but am not sure how the timings work in terms of wash sale rules.

I’m assuming this is all moot if I wait 30 days before closing the position in my individual account, but would a disallowed wash sale be triggered if I close this position in my individual account within 30 days of opening the new position in my retirement account?


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