Has anybody made previous-year IRA contributions either via the mutual fund's automatic investment plan or by your own BillPay system? If so, how did you indicate to the fund compay that the investment was for the previous year (i.e. a 2007 contribution made in 2008?
It has been my experience that most fund families default to current year.
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When you contribute to a Vanguard IRA online, you must designate to which year your contributions are to be applied.
I haven't contributed to my Vanguard IRA by automatic investment, but I am sure you will be required to designate the year.
That's how T. Rowe-Price is. I have a Roth IRA there, and had it set up for the automatic investing. There was a place on my TRP account web-page to designate which year (current/prior) you wanted the contribution to apply to. In '07 I had it setup for Jan-Mar to be prior year....to max-out for '06, and then April to be current year.
As for doing random ACH transfers into my IRA, there was a box to check for either current or prior year on my TRP account web-page.
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