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In the United States stock trades take three business days to settle During the settlement period clearing agents ensure that the required cash and securities are available for final disbursement If the full amount of cash is not present three days after the trade the trade fails because of a settlement violation.

Roth IRAs offer several key benefits including tax-free growth tax-free withdrawals in retirement and no required minimum distributions An obvious disadvantage is that you're contributing post-tax money and that's a bigger hit on your current income.

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