Hi , if I have $6,000 now & I won’t have more during the year , should I put it in a regular brokerage account or wait till Jan to put it to my Roth IRA ?
If you enjoy a little extra complexity and taxes, open the brokerage account now!
I would wait until January and never pay tax on that money again.
I’m assuming this means you already maxed out your $6,000 contribution for 2020?
You could always invest it in a brokerage account now, then in January, simply sell everything and take that cash and contribute it to the IRA. But for a couple months of investing it’s likely not worth the paperwork that might create.