If you're a high-earner who can't contribute to a Roth IRA, a mega backdoor Roth — particularly if your 401(k) plan allows it — might be a solution.
做Mega backdoor的员工每月工资到账时向401(k)的custodian打电话指示其做一个after-tax 401(k) -> Roth IRA的rollover,在几天资金会出现在Roth IRA,推荐养成习惯记录Roth distribution table。 如何避免pre-tax money 在介绍backdoor的两步操作时,我们提到两步的时间间隔应尽量短,否则会产生pre-tax earning,在ro...
You can do the Mega Backdoor Roth in two ways — convert within the plan or withdraw to a Roth IRA. Converting within the plan is much easier, and many plans automate this process. Transferring to a Roth IRA also works. See the previous postMega Backdoor Roth: Convert Within Plan or O...