我有几个问题,之前以为弄明白了,今天看了一个华人的帖子, 发现自己还是没完全搞对。麻烦大家帮我看看下面的理解对不对。 1.401k是跟公司走的。也就是说,如果不换工作的话,401k的钱 没法convert到任何一个ira账户。换工作的时候,可以 convert 到自己的 IRA 账户。 2.Roth IRA只能用 after tax 存入,而且有收入限制。Traditional IRA 任何人都可以存,但根据收入决定是否可以计入 Tax Deduction。 从2010年开始,Traditional IRA 可以转入 Roth IRA 而没有收入限制。 这实际上等于所有人都可以往 Roth IRA 存钱了。唯一的限制是 convert 的钱5年内不可以取现,否则要交 tax 和 penalty。 (我这一条没理解对,导致 2012,2013 都没存 IRA)。 3.Roth IRA 的本金和收益都不交税。59.5岁之后取出不交任何税费。 Traditional IRA 在满 59.5 岁后取出,本金不交税,收益交收入税。 401k 在取出的时候,本金和收益都要交收入税。 综上所述,我觉得最好的退休金存放方式是 1. Contribute 401K up to the limit that the company matches. 2. If you'd like, contribute Traditional IRA up to limit with tax deduction. 3. If you'd like, contribute Roth IRA up to limit 4. If you'd like, contribute Traditional IRA untill the sum of IRAs meets yearly limit ($5500 for 2014) 5. If you'd like, contribute 401k up to limits. 6. Consider contributing IRAs at the beginning of the year to earn gains. 请指正!
agree. 2/3/4 is basically one item. 1. Contribute 401K up to the limit that the company matches. 2. If you'd like, contribute Traditional IRA up to limit with tax deduction. 3. If you'd like, contribute Roth IRA up to limit 4. If you'd like, contribute Traditional IRA untill the sum of IRAs meets yearly limit ($5500 for 2014) 5. If you'd like, contribute 401k up to limits. 6. Consider contributing IRAs at the beginning of the year to earn gains
【在 s*******g 的大作中提到】 : 我有几个问题,之前以为弄明白了,今天看了一个华人的帖子, : 发现自己还是没完全搞对。麻烦大家帮我看看下面的理解对不对。 : 1.401k是跟公司走的。也就是说,如果不换工作的话,401k的钱 : 没法convert到任何一个ira账户。换工作的时候,可以 convert : 到自己的 IRA 账户。 : 2.Roth IRA只能用 after tax 存入,而且有收入限制。Traditional IRA : 任何人都可以存,但根据收入决定是否可以计入 Tax Deduction。 : 从2010年开始,Traditional IRA 可以转入 Roth IRA 而没有收入限制。 : 这实际上等于所有人都可以往 Roth IRA 存钱了。唯一的限制是 : convert 的钱5年内不可以取现,否则要交 tax 和 penalty。
【在 m*********y 的大作中提到】 : many people can get tax deduction for traditional ira, but not roth. : and many people roll over 401k balance to traditional ira too.
【在 m*********y 的大作中提到】 : many people can get tax deduction for traditional ira, but not roth. : and many people roll over 401k balance to traditional ira too.
so if your income is over 120K, this backdoor ira dosent make sense, u can contribute directly to Roth IRA. am i rite?
【在 m*********y 的大作中提到】 : 当然不能。 : : tax
m*y
29 楼
no, there is an income limit for direct contribute to roth ira. could you google first before asking questions? your questions are really confusing.
【在 P*******d 的大作中提到】 : so if your income is over 120K, this backdoor ira dosent make sense, u can : contribute directly to Roth IRA. am i rite?
f*n
30 楼
There is an income limit for contributing to Roth IRAs. What that limit is depends on the year and your tax filing status. Technically, the "limit" is a phaseout range where your ability to contribute gradually goes away. For 2014, you can look at this table to see what the phaseout ranges are: http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/ Depending on your situation, it can vary from $0-$10K to $181K-$191K. Without any context, it is impossible to tell whether "over 120K" means above or below the limit. If you are below the income limit for contributing to Roth IRA, then regular Roth IRA contribution and backdoor Roth IRA contribution (assuming you have no Traditional IRA money) are exactly the same. Neither is better than the other. If you are above the income limit for contributing to Roth IRA, then you cannot do a regular Roth IRA contribution; and if you did it already, you can undo it but you will have to pay tax on the gains, so it is worse than doing a backdoor Roth IRA contribution initially. If you don't know whether you will be below or above the limit, a backdoor Roth IRA contribution is safer.
【在 P*******d 的大作中提到】 : so if your income is over 120K, this backdoor ira dosent make sense, u can : contribute directly to Roth IRA. am i rite?
v*r
31 楼
我是纯新手,有两点想确认一下。 1。traditional ira 转 roth ira. 难道是存入免税的traditional, 然后转入roth. 拿出来就不要税了? 太ideal吧? 2。traditional ira 59.5取出 本金不交税吗? 原来traditional 这么好,我两年都存了roth ira
【在 f*******n 的大作中提到】 : There is an income limit for contributing to Roth IRAs. What that limit is : depends on the year and your tax filing status. Technically, the "limit" is : a phaseout range where your ability to contribute gradually goes away. For : 2014, you can look at this table to see what the phaseout ranges are: : http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/ : Depending on your situation, it can vary from $0-$10K to $181K-$191K. : Without any context, it is impossible to tell whether "over 120K" means : above or below the limit. : If you are below the income limit for contributing to Roth IRA, then regular : Roth IRA contribution and backdoor Roth IRA contribution (assuming you have
n*n
33 楼
是。 能直接存Roth 更好。
【在 v******r 的大作中提到】 : 我是纯新手,有两点想确认一下。 : 1。traditional ira 转 roth ira. 难道是存入免税的traditional, 然后转入roth. : 拿出来就不要税了? 太ideal吧? : 2。traditional ira 59.5取出 本金不交税吗? : 原来traditional 这么好,我两年都存了roth ira : : :我有几个问题,之前以为弄明白了,今天看了一个华人的帖子, : :发现自己还是没完全搞对。麻烦大家帮我看看下面的理解对不对。