401(k)有两个contribution limit,一个是作为401(k)每年存入总额的annual addition limit (415(c) limit), 另一个是elective deferral limit (402(g) limit)。前者总是比后者大,差值部分可以构成一个叫after-tax 401(k)的子账户。细究起来,1986年国会在Revenue Act中正式定义401(k)的elective deferral,这之后...
What is an after-tax 401(k) contribution? After-tax 401(k) contributions are post-tax dollars you invest in an employer-sponsored 401(k) plan above and beyond your annual effective deferral limit. “Making after-tax contributions into your 401(k) to be later rolled over into a Roth IRA...
January 24, 2025 Estate Planning What is a Stepped Up Basis? Cost Basis of Inherited Stock and Other Assets A step-up in basis is a tax advantage for individuals who inherit stocks or other assets, like a home. A stepped up basis can apply ...
That said, your approach is solid: maxing out pre- and post-tax retirement accounts, taking advantage of current and future tax benefits. It’s likely your next step is a taxable account. And once your modified adjusted gross income exceeds the contribution limit for a Roth I don’t think ...
Sometime in early 2008 you contributed $5,000 to your Roth IRA for the 2008 tax year. At the time, your IRA was worth $20,000 in total after the contribution. Now, in January 2009, the entire IRA is now worth $15,000. You first “undo” your 2008 $5,000 contribution by follo...
401(k)有两个contribution limit,一个是作为401(k)每年存入总额的annual addition limit (415(c) limit), 另一个是elective deferral limit (402(g) limit)。前者总是比后者大,差值部分可以构成一个叫after-tax 401(k)的子账户。细究起来,1986年国会在Revenue Act中正式定义401(k)的electiv...