The best outcome is that you ask your 401k admin to send you a check with your excess contribution and you pay tax on it. the worst outcome is that you will have to pay tax twice: once in the year you have the excess contribution and also in the year when you take it out.
【在 p****e 的大作中提到】 : The best outcome is that you ask your 401k admin to send you a check with : your excess contribution and you pay tax on it. : the worst outcome is that you will have to pay tax twice: once in the year : you have the excess contribution and also in the year when you take it out.
Check your 401k account history again: it may already be designated after- tax contribution. Keep track of the excess after-tax contribution amount so when you retire and begin withdraw you don't get double-taxed on this few hundred dollars.
The best outcome is that you ask your 401k admin to send you a check with your excess contribution and you pay tax on it. the worst outcome is that you will have to pay tax twice: once in the year you have the excess contribution and also in the year when you take it out.
r*r
39 楼
多谢!我联系我们公司401k信托Fidelity看看。
【在 p****e 的大作中提到】 : The best outcome is that you ask your 401k admin to send you a check with : your excess contribution and you pay tax on it. : the worst outcome is that you will have to pay tax twice: once in the year : you have the excess contribution and also in the year when you take it out.
Check your 401k account history again: it may already be designated after- tax contribution. Keep track of the excess after-tax contribution amount so when you retire and begin withdraw you don't get double-taxed on this few hundred dollars.
我去年也是相同的问题。401k是ADP管理,据ADP说,3/15之后4/15之前会退给我支票, 然后明年会收到1099-R,Box7的code会是8—Excess contributions plus earnings/ excess deferrals (and/or earnings) taxable in 2013. (但明年不用报这笔钱,因 为你要在今年报。) 2012的报税,401k就当没有多投,多投的部分算作你的2012的工资里面报税,即使你是 在2013年收到这笔钱的,只要你在2013/4/15之前拿到的,就要算2012工资,而不算 2013的收入。自己手动加到1040表Line 7里面去。如果你用Turbo Tax之类的,只要你 回答问题都正确,软件应该会做对。另外,你收到的支票与你多投的部分可能会有一定 出入,那是因为多投的部分有盈利或亏损。盈利部分也加到Line7里面。 亏损部分则要明年报税的时候填到Line 21里面“Report a loss on a corrective distribution of an excess deferral in the year the excess amount (reduced by the loss) is distributed to you. In- clude the loss as a negative amount on Form 1040, line 21 and identify it as “Loss on Excess Deferral Distribution.” 具体见 http://www.irs.gov/pub/irs-pdf/p525.pdf page 10 Excess deferrals.
N*g
45 楼
又研究了一下,发现上面的帖子中“明年会收到1099-R,Box7的code会是8—Excess contributions plus earnings/excess deferrals (and/or earnings) taxable in 2013.”说的不对。明年收到的1099-R,Box7的code会是P-Excess contributions plus earnings/excess deferrals taxable in 2012,也就是说明年你不用报这个税了,你 今年已经报了。 注意Code 8和P的文字几乎一样,但年份差一年。
r*r
46 楼
就是这样的,说的太详细了!:) 包子已发,谢谢!
plus
【在 N****g 的大作中提到】 : 又研究了一下,发现上面的帖子中“明年会收到1099-R,Box7的code会是8—Excess : contributions plus earnings/excess deferrals (and/or earnings) taxable in : 2013.”说的不对。明年收到的1099-R,Box7的code会是P-Excess contributions plus : earnings/excess deferrals taxable in 2012,也就是说明年你不用报这个税了,你 : 今年已经报了。 : 注意Code 8和P的文字几乎一样,但年份差一年。