2010年4月27日 作业题# MiddleSchool - 中学时代
S*C
1 楼
Now, the IRS is letting 401(k) participants transfer after-tax contributions
to a Roth IRA, where the money can grow tax-free. Whereas in the past,
anyone who did this had to transfer or “convert” some pretax money to the
Roth and pay income tax, it’s now possible to skip the tax entirely, says
Ed Slott, an IRA expert in Rockville Centre, N.Y.
It’s important to keep some rules in mind. Before moving after-tax
contributions to a Roth, those 59½ or older must first transfer their
pretax savings to a traditional IRA. If you want to move only some of your
pretax 401(k) money—say, for example, half of it—into a regular IRA, you
may move only the same proportion (i.e., half) of your after-tax balance
into a Roth, says Mr. Slott. If you’re younger than 59½, you may be
able to move all of your after-tax money without transferring any pretax
dollars. Not all plans allow employees to withdraw funds before age 59½
, says Mr. Slott.
to a Roth IRA, where the money can grow tax-free. Whereas in the past,
anyone who did this had to transfer or “convert” some pretax money to the
Roth and pay income tax, it’s now possible to skip the tax entirely, says
Ed Slott, an IRA expert in Rockville Centre, N.Y.
It’s important to keep some rules in mind. Before moving after-tax
contributions to a Roth, those 59½ or older must first transfer their
pretax savings to a traditional IRA. If you want to move only some of your
pretax 401(k) money—say, for example, half of it—into a regular IRA, you
may move only the same proportion (i.e., half) of your after-tax balance
into a Roth, says Mr. Slott. If you’re younger than 59½, you may be
able to move all of your after-tax money without transferring any pretax
dollars. Not all plans allow employees to withdraw funds before age 59½
, says Mr. Slott.
