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...
2023快乐!新年第一支视频来讲投资 -- 美国退休金大扫盲,新的一年,大家可以根据上限把自己的养老金比例调整好。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...
Any earnings would need to be rolled over to a traditional IRA. What if you’ve contributed the maximum amount of pre-tax (and/or Roth) dollars to your employer-sponsored 401(k) plan, but you still want to grow this fund for retirement? “In some cases, it’s possible to make after...
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 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...
Where to Save After Maxing Out Your 401k and Roth IRA
(k) when changing jobs might not be at the top of your list, 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 ...
Your tax bill isn't chiseled in stone at the end of the year. Here are 10 tax tips and steps you can take after January 1 to help you lower your taxes, save money when preparing your tax return, and avoid tax penalties.
As a trusted advisor, you have an opportunity to clarify what happens to this money when it's withdrawn. A high-level review of401(k) taxationand suggesting strategies for RMD funds, like putting them in aRoth IRA to grow tax-free, can go a long way toward easing your client's concern...
If you’ve established an emergency fund and don’t yet have a designated retirement account, like a 401K or IRA, now would be a good time to start one. Check with your employer to see if they offer matching contributions for 401Ks. If so, take advantage of that free money and con...