一般离职一个月后401k的钱就能转出来了,你可以要求pretax的钱去rollover IRA,after tax的钱去Roth IRA就好了,报税的时候照着收到的税表一步步填是没有问题的。 💼 我和我老公去年分别换了工作,他是把所有钱一口气转入Roth,且是在不同的平台之间转,所以收到了很多张1099,需要一张张导入,照着Turbo Tax一条条...
希望这个视频能讲清楚这几个问题:一张图,几句话概括traditional,Roth,401k,IRA -- 401k,IRA,pretax,aftertax是什么。一张表概括怎么取,怎么交税如何投钱,可以投多少钱?mega backdoor,backdoor怎么做如何选择?pretax or aftertax? 401k or IRA? 选错了怎么办rollover怎么操作 生活 日常 美国 退休 投资理财 ...
在介绍backdoor的两步操作时,我们提到两步的时间间隔应尽量短,否则会产生pre-tax earning,在rollover至Roth IRA后,取出时受制于5年规则,详细分析见Roth IRA 五年规则与取钱顺序。 因after-tax 401(k)与(non-deductible) tradtional IRA的属性相似,mega backdoor也是减少pre-tax earning为佳,这要求在第一步完成...
Roth vs. after-tax 401(k) If you decide to rollover your after-tax contributions to a Roth IRA, there is a way around the five-year withdrawal waiting period. While you can’t open a Roth IRA directly if your income is too high – 2024 limits are $161,000 if filing single or $24...
“if your plan allows this, you can do a mega backdoor roth , which is where you roll after-tax contributions into an ira outside of your retirement plan.” higher earners may use this planning tool to fund a roth account. “a 401(k) has no income restrictions on after-tax ...
Roth IRA (subject to income limits; after-tax retirement savings) Comparing investment options after maxing out a 401(k) or 403(b) The investment options after maxing out your 401(k) have varying tax advantages. Contrary to popular opinion, investors shouldn’t always contribute the maximum amo...
but it is important to understand what your options are. Knowing how to transfer your 401k to a new employer or an Individual Retirement Account (IRA) can help avoid possible penalties and income taxes. However, if you don’t follow the IRS’s 401(k) rollover rules, you may incur l...
That’s the deadline for contributions to a traditional IRA, deductible or not, and to a Roth IRA. If you have a Solo 401k, Keogh or SEP and you get a filing extension to October 15, 2025, you can wait until then to put 2024 contributions into those accounts. To start tax-free ...
IF you convert the $40,000 to your IRA BEFORE (not during the same tax year) you rollover the 401(k), you will only be taxed on $20,000 of the conversion, just like example 1. HOWEVER (and there’s always a however in life, don’t ya know) – if you rollover the 401(k)...
You might also, depending on what you select, you can initiate the rollover on the side of the brokerage that will be accepting the money, too. I've worked with several and they have excellent customer service and they can walk you through the process. And there might...