问题1: 多存SIMPLE IRA(或者pre-tax 401(k)),将收入限制在146k一下是否可以直接存Roth IRA? 基于个人投资选择,Tony还准备做SIMPLE IRA -> Roth IRA的taxable conversion。但这会使他的taxable income重新超过Roth IRA的收入限制。 问题2:若因SIMPLE IRA -> Roth IRArollover使得taxable income再次超出Roth IRA...
To contribute to a Roth IRA, your MAGI must be below the limits specified by the IRS. If you’re within the income threshold,the actual amount you can contributeis also determined by your MAGI. Your contributions are phased out if your MAGI exceeds the allowed limits. Here’s a rundown ...
Roth 401(k) and Roth IRA A Roth 401(k) is an employer-sponsored retirement savings plan, just like a traditional 401(k). However, unlike a traditional 401(k), a Roth 401(k) is funded byafter-taxdollars up to the same 2024 contribution rate of $23,000 per year, $22,500 for 202...
Roth IRA contributions:Retirement contribution (income) limits to a Roth retirement account are based on your MAGI. (Related: Learn abouthow Roth IRAs are taxed.) Deductibility of retirement contributions made to a Traditional IRA: If you or your spouse are covered by a retirement plan at work,...
For example, in the tax code, MAGI is used to calculate income thresholds for the health premium credit, the child tax credit, the American Opportunity Tax Credit, the adoption credit, the clean vehicle tax credit, and for making Roth IRA contributions. Your MAGI also determines whether you ...
SIMPLE IRA -> Roth IRArollover 使得taxable income再次超出Roth IRA收入限制,但因Roth rollover/conversion不會計入MAGI for Roth IRA,所以依然可以直接存Roth IRA。 為何MAGI for Roth IRA排除了Roth conversion? MAGI規則如此複雜是美國稅法疊床架屋的縮影。
问题1: 多存SIMPLE IRA(或者pre-tax 401(k)),将收入限制在146k一下是否可以直接存Roth IRA? 基于个人投资选择,Tony还准备做SIMPLE IRA -> Roth IRA的taxable conversion。但这会使他的taxable income重新超过Roth IRA的收入限制。 问题2:若因SIMPLE IRA -> Roth IRArollover使得taxable income再次超出...