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yes, you can withdraw and replace but only for contributions made in that tax year. see IRS pub 590 (p.65) for details. the IRS website is pretty good. best place to look. wash sale rules don't apply to in and out trades within retirement accts for obvious reasons, but selling for a loss in a non retirement acct and buying back in a retirement acct (inside the 30 day window) would dissallow the loss. IRS.GOV