Because you can't margin an IRA account, is it possible to deposit a larger amount than your annual contribution limit in an IRA temporarily in order to allow you to cover short term stock sales that would normally exceed your cash balance? Ex. Assume your traditional IRA currently totals $5000 as a result of this year's maximum contribution. You then buy and sell $5000 worth of stock A on Monday morning and make a $1000 profit. Using your proceeds, in the same day, you then buy $6,000 worth of stock B in the afternoon. Normally, you'd have to wait till Thursday in order to sell stock B because your sale of stock A hasn't cleared yet. However, if your broker let you temporarily deposit $6,000 in cash in your IRA account, you could then sell stock B Monday afternoon, because you have the cash to cover the sale. Can this be done?