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。
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...
Clearly,Roth money is more valuablefrom a tax perspective than money in a taxable account. I see no reason not to take advantage of this opportunity, as long as it exists, unless you have IRA money that would subject to the pro rata rule, and no good rollover options (such as an emplo...
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...
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...
Beware the pro-rata rule, which can trigger a tax bill for those with existing non-Roth IRAs, such as atraditional IRA. Contributions to a Roth retirement fund are post-tax (they do not entitle you to a tax deduction) but they grow tax-free. They may be withdrawn tax-free when certai...
m planning on rolling this into my company 401k by the end of 2024. I plan on opening a different traditional IRA to contribute my 2023 contribution and 2024 contribution and do a backdoor roth on both on my 2024 returns with the other traditional IRA rolled back to avoid pro rata. Will...
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...
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...
that I contribute to. My S Corp matches 3%. I don’t have any other IRA’s other than the SIMPLE IRA through my S Corp/employer. Does this account need to be considered for the pro rata rule if I want to setup a traditional IRA, contribute to it, and then convert to a Roth IRA...