Vanguard.com, Fidelity.com
能不能地税看你收入多少：
Contributions to a traditional IRA might be fully deductible, partially
deductible or entirely nondeductible, depending on factors such as your age,
total income, marital status, and whether you or your spouse are covered by
a retirement plan through your employer.
If you are covered by a retirement plan at work, such as a 401(k), then your
IRA contributions might be fully deductible, partially deductible, or not
deductible at all. The answer depends on your income level for the year (as
measured by a modified adjusted gross income formula).
For 2011 the phaseout range for deducting an IRA contribution when you are
covered by a retirement plan at work are as follows:
For single filers: $56,000 to $66,000
For head of household filers: $56,000 to $66,000
For married couples filing jointly: $90,000 to $110,000
For married couples filing separately: $0 to $10,000
If your income for the year is below the phaseout limits, your IRA
contribution is fully tax-deductible. If your income falls within the phase
out range, your IRA contribution will be partially deductible. If your
income falls above the phase out range, none of your IRA contribution will
be deductible.
