1)Pre-tax 401k:pre-tax contribution,拿出时候contribution和growth都交税,提前拿出的话tax+10% penalty 2)After-tax 401k:after-tax contribution,拿出时候contribution不交税,growth交税,提前拿出的话tax+10% penalty 3)Roth 401k:after-tax contribution,拿出时候contribution和growth都不交税,提前拿出的话tax+10% p...
这部分我们分三个段落对这些账户进行解释,先了解Traditional,Roth和After-tax,然后再分别对应401K和IRA解释。 Traditional · Traditional也就是pre-tax,就是说我们直接把税前工资存入(这部分叫contribution),所以这部分钱当年就不会算税了,也就是所谓的deductible from taxable income。此账户里存入和match的本钱,和最后...
When you convert after-tax money to a Roth individual retirement account (Roth IRA), the principal is tax-free, but you must pay taxes on the earnings of that money. Before you convert to a Roth, calculate the tax liability. Make sure that you have enough funds on hand to pay any tax...
your withdrawals will be taxed as ordinary income in the year of the distribution. But if you also made after-tax contributions, determining the taxable amount of your distributions may not be that simple, especially if you have multiple IRAs. In that case, the pro-rata rule must be used t...
经过TCJA(Tax Cuts and Jobs Act)2017,IRA的Contribution规则有调整,如果你72岁了,还在继续工作,有Earned Income,那IRA是可以继续放的。在这之前,一旦开始RMD,那就不可以放IRA了。这一点大家要注意一下喔。 税务方面,Tax-Deductible 和 After-Tax IRA 在增长的过程中都是延税的,59½时取出来的时候呢,如果...
这部分我们分三个段落对这些账户进行解释,先了解Traditional,Roth和After-tax,然后再分别对应401K和IRA解释。 Traditional · Traditional也就是pre-tax,就是说我们直接把税前工资存入(这部分叫contribution),所以这部分钱当年就不会算税了,也就是所谓的deductible from taxable income。此账户里存入和match的本钱,和最后...
If your traditional IRA contribution is not deductible, you may still make a nondeductible IRA contribution to it. Alternatively, you may contribute to a Roth IRA, provided your MAGI satisfies the Roth IRA eligibility limits. The table below details the limits for tax years 2023 and 2024. MA...
必要条件一:After Tax 401k contribution 看到After Tax 401k 是不是有亲开始晕了。原来只知道有个东西叫401k, 是税前的。怎么又跳出来个after tax? 那么为了能给大家讲清楚这个After Tax 401k,小葵妈今天就给大家补补401k 的课吧。 首先呢,每个人在同一个雇主/公司下面都会有一个401k plan. 那么这种401k plan...
And remember, the IRS gives you until the tax filing due date (usually April 15th) to make your contribution for the prior tax year! Expand your options with a 401(k) to IRA rollover: If you have money sitting in a former employer’s 401(k) plan, moving it into a self-directed ...
While a tax break for this year is a great incentive to make your IRA contribution, the real value of the IRA is its ability to shield your investments from taxes. Your investments will be able to compound faster that way, and you’ll roll up a larger portfolio more quickly.Bankrate’s...