Backdoor要注意Pro-rata规则 Mega要当心公司政策变化 两个都要保存完整记录 建议找专业人士指导首次操作🎯 行动清单: 检查收入是否超过Roth IRA限制 问问HR公司是否支持after-tax 401k 计算今年还能存多少 根据个人情况选择适合策略💡 胡老师建议: 这两个"backdoor"各有特色,建议根据个人情况灵活运用。记住一点:能存...
首先你不可以拥有一个tax deferred IRA在你名下,这包括了Traditional IRA,SEP IRA以及SIMPLE IRA,但是不包括401k,403b以及类似账户。 如果你已经有tax deferred IRA钱的话, 必须根据pro-rata 规则来做conversion. 如果你已经有此类账户, 你需要把钱挪到别的地方或者就不要惦记backdoor Roth了。 如果这些账户里的...
做一次rollover: traditional IRA -> Roth IRA 理想情况下traditional IRA中的6k nondeductible contribution被完全挪到了Roth IRA,此时rollover过程不需要缴税(当然6k不可以在当年收入中抵扣)。 当traditional IRA中含有pre-tax money时,我们要用pro-rata rule计算rollover产生的税。Pro...
这个时候你再转 $6500 去 Roth IRA,你就不能说这 $6500 是交过税的,而是要根据 Pro-rata 准则按比例交税,也就是说这钱有一半交过税,一半没交过。具体请去 Google Pro-rata,如果有多个 Traditional IRA 账号更麻烦,要算总账。所以最好就是不要让 Traditional IRA 出现 Pre-tax balance,每次 Rollover 操作...
The article offers advice on how to convert a new non-deductible individual retirement account (IRA) to a Roth IRA at little or no tax cost even if an individual has an existing pre-tax IRA. Cosidering the pro-rata rule, it suggests rolling a pre-tax IRA dollars into a 401(k) and...
then the distribution to the Roth is done pro-rata, based on the total of all IRAs, and some of the distribution is taxable each year, and a basis of post-tax money remains with the rest of the IRA money each year. In this case, the basis will build each year a backdoor conversion...
Pro-Rata Rule Taxable Income from Backdoor Roth Troubleshooting Fresh Start Conversion Is Taxed Self vs Spouse What To Report You report on the tax return your contribution to a traditional IRA *for* that year, and you report your conversion to Roth *during* that year. ...
This is because the IRS won’t let you just convert the non-deductible traditional IRA portion of your IRA. You must convert both the non-deductible portion and the pre-tax money, pro rata, when converting to a Roth IRA. If you’re not careful and skip this step, you’ll end up ...
即after-tax basis rollover至Roth IRA,而pre-tax earning rollver至401(k) plan中的另一子账户pre-tax 401(k)。仅以mega backdoor而言,目的地pre-tax 401(k)也可以换成traditional IRA。但因为高收入人士往往同时做backdoor(以traditional IRA为跳板的backdoor Roth)。为应对traditional IRA的pro-rata rule,在...
vehicles like the 401(k) andskepticalof tax-now vehicles like the Roth IRA. Working in banking, I was already being taxed out the wazoo and had no desire to pay even more. Frankly, I wasn’t even familiar with the Roth IRA or the mega backdoor Roth IRA when I first started working...