第一步与前者相同,第二步的目的地变成了Roth 401(k),这是一种in-plan Roth rollover(同一个401(k) plan中向Roth 账户进行的rollover)。若401(k) plan允许after-tax 401(k)进行in service distribution,那么第二步中进入Roth 401(k)中的资金会被标记为otherwise distributable amount(相应的Roth 401(k) elec...
Pre-tax vs Roth 401k contributions - both types of plans have advantages and disadvantages depending on your view on future taxes.
Ways to invest after maxing out a 401(k): brokerage account, traditional IRA, or Roth IRA. For high earners with excess cash, a brokerage account is likely the best option.
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.
HOWEVER (and there’s always a however in life, don’t ya know) – if you rollover the 401(k) first (or during the same tax year) and then convert the $40,000 to Roth, you will be taxed on$30,000of the conversion. This is because, now that you’ve rolled over the 401(k) ...
This is somewhat similar to theTraditional-to-Roth IRA reconversion methodto save taxes. I read some skeptical posts in the BH thread as to the legitimacy of this action, but none were really backed by any evidence. I don’t see why both methods aren’t equally legal. ...
如何避免pre-tax money 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p...