Want to contribute to my Roth IRA for 2011. I know my salary won't exceed the Modified Adjusted Gross Income limit, but I'm worried that future investment gains might make my MAGI go past the 107K-120K threshold. Of course, I have no idea if I will make more money from my investments this year (it can go either way), but my concern is if I do.
My question is: Can I contribute to my Roth IRA without knowing what my investment gains will be for the year?
I already checked the IRS docs and this issue isn't clear to me.
One more question: Given that I have a lot of investment loss carry-forwards (probably more than the best case of what I expect to make), does that net against my AGI so that I probably don't have an issue in contributing to my Roth IRA?