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...
在2017年,你从TraditionalIRA 里转进Roth IRA里$20k。这$20k要按照pro-rata rule 来计算,$20k * ($5k /$25k) = $4k 算为pre-tax ,并且需要交税。 总结一下这个Backdoor Roth 的神技吧: 1.Backdoor Roth 绝对是一个好东西,对于被认为是'豪门'的偷溜进门有非常好的tax benefit。 2. 偷溜的打开方式...
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。 如果这些账户里的钱数额很小,你可以承担做conversion的税款,那么你就直接convert去roth吧!这个特别是对于收入相对较低的人(tax bracket比较少的%),比如说...
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...
Do I have to convert ALL my retirement accounts to safely convert to back door Roth IRA to avoid the pro-rata rule? Do I have to convert a prevous 403b rollover IRA also? Over the past 20 years, I have accumulated multiple retiremnt accounts: 1) Current emloyer 403b, 457, Pension ...
There's a pro rata rule for backdoor Roths The IRS requires rollovers from traditional IRAs to Roth IRAs to be done pro rata. Here's how it works: When determining your tax bill on a conversion from a traditional IRA to a Roth IRA, the IRS is going to look at all of your traditio...
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...
This is where things can get messy for backdoor Roth IRAs. If done correctly, a backdoor Roth IRA is a non-taxable event, but this can be a big “if.” IRS pro rata rule The reason backdoor Roth IRA taxes get complicated is the IRS’s pro rata rule for IRA conversions. Under thi...
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 having to pay taxes on the pro rata portion of the pre-tax money since you’re converting it from pre-tax ...
then most of the funds and investments that you convert to a Roth IRA likely will count as taxable income at the time of the conversion. That could kick you into a higher tax bracket that year; however, you may not have to pay tax on all the money; apro-ratarule applies to prevent...