Backdoor:往Traditional IRA 里存6000,然后让券商把它变成ROTH IRA。每个人都可以做。 Mega backdoor:往After-tax 401k 里存钱,然后让券商把它转到Roth 401k/Roth IRA里。这个比如要公司的401k plan 支持这个操作。 最最想写的,是从Roth IRA 中取钱的顺序。Roth IRA最最重要的特点在于“取本金,不用到60岁,...
BACKDOOR ROTH IRA 的操作方法是先把钱以after tax contribution 的方式存到IRA中,然后convert 到ROTH IRA里。这个conversion 的动作中间产不产生税、产生多少税,跟你已经存在的TRADITIONAL IRA里的用pre tax contribution 放进去的钱有关系。 MEGA BACKDOOR ROTH的contribution limit 是$37,500(2020)。这个数字是在...
Mega Backdoor Rollover 就是把你的 Post-tax 401k 里付过税的 Contribution 存到 Roth 401k 或者 个人的 Roth IRA,这样利得也不用交税了。 Fidelity 网站上无法操作这种 Mega backdoor,必须打电话 800-835-5095。这个号码是 Workplace 部门,也就是管理 401k 的部门。401k 和 IRA 在 Fidelity 内部是两套人马...
确认公司支持Mega Backdoor Roth:你需要确认你的公司是否支持这个操作。具体问两个问题: 401k是否支持Employee After-Tax Contribution。 是否支持In-Service Rollover/Distribution,也就是在职时能否把钱从401k转到Roth。如果不支持,就只能离职时转,会损失一部分税。 第二步:拉满401k的Pre-Tax Contribution:首先把401k...
The reason for this flag is obvious, isn't it? The Mega Roth IRA Backdoor! In 2019, an employee can contribute $19,000 as an elective deferral to a 401(k). However,2019 contribution limitsare actually capped at $56,000. Thatincludesemployer matching contributions and any employee after-...
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.
Mega Backdoor:Roth 401(k) variant Legal Issue 总结 After-tax 401(k) Subaccount 上图为综述中401(k) plan的完整结构,其中after-tax 401(k)是部分雇主允许员工存入的一个子账户。 Contribution limit 根据此图,容易算出after-tax 401(k)的存入上限。2023年401(k)的annual addition limit是66k(考虑catch...
I have a W-2 job with a 403(b) to which I am making the maximum annual employee contribution, and an employer match. I have a 1099 job and have a non-prototype solo 401(k) that lets me do the mega backdoor Roth–I make after-tax contributions to the solo 401(k) then convert ...
To use the mega-backdoor Roth strategy, clients need to know how big an after-tax contribution they can make. As noted, the amount allowed for these additional contributions is the balance remaining between contributions from all sources and that year’s IRS maximum-allowed contributions and will...
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% penalty 我听说过Mega Backdoor,我该不该用..对我有什么用? 简单来说Mega Backdoor是IRS提供给大家一个省税工具,一个让你每年能把401k的钱转为Roth IRA, Roth 401k的方法,好处是在你退休时候投资收益可以免税。它...