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TIAA ROTH and Retirement Traditional Commingled

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Leo

10 Jan, 2026 12:48 PM

Hello,

I recently started contributing to my 403(b) ROTH as well as my 403(b) traditional. However, TIAA handles this my adding the contributions to the same account and mixing it all as a single total, not kept in separate accounts. I want to keep track of them separately on MD. There is one advantage, the transactions, or purchases from the contributions, are clearly distinct for the ROTH and traditional.

My workaround is to download the Quicken file for the recent transactions, and I just add them to each "investment" account for either the ROTH of the traditional and delete the transactions not corresponding to either one. I also found this link with another workaround https://infinitekind.tenderapp.com/discussions/general-questions/77... using sellxfr and buyxfr.

However, I am wondering if there is an official way to separate the totals, by just labeling in the transaction individually. I wouldn't mind just keeping one account if I could run a report showing my ROTH totals. I'm just not sure how I would run a report or how to properly tag the transactions to separate them for reporting purposes.

Thank you for any help.

1. 1 Posted by Ali on 11 Jan, 2026 06:30 PM

   

   I'm a fellow user sharing from my own experience.

   If the investments being purchased for both your Roth and traditional contributions are the same security, you can still maintain them in the same account in MD by creating a duplicate security (adding #2 at the end of its ticker symbol). Append the name for the first as "Traditional" and the second as "Roth". So that when you download them into one account, just change the security for the specific transactions that don't belong in Traditional to the one you labeled as Roth. That way you can see balances and performances for each separately in the same account.

   I did this for my own retirement account as the provider does not segregate and puts them all in one place. See attachment as example

   • Screenshot_2026-01-11_at_1.27.24 PM.png 40.8 KB
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2. 2 Posted by Leo on 17 Jan, 2026 09:31 PM

   

   Thanks as good idea!

   I like your idea best since all I have to do is change the security in the register rather than copy/duplicate the transaction in another account. I suppose it all comes down to duplicate them in one way or another!

   EDIT 2. Some weird thing happens where the share count of the imported transaction got divided by 10 (thus multiplying the price/share by 10). Not sure why. If I can figure that out, I'd switch to your suggestion. I am glad there is a couple of workarounds.

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3. System closed this discussion on 18 Apr, 2026 09:40 PM.