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,...
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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...
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.
Classical Mega Backdoor Megabackdoor,Mega Roth, Megabackdoor Roth IRA,这些名字皆是指借助after-tax 401(k)变相存Roth IRA的策略。基本操作步骤为: 第一步要求401(k) plan提供after-tax 401(k)选项。雇主会提供相应的网页或纸质方式设定存入金额。在工资direct deposit之前,payroll会先扣除员工设定的额度。
1. For the megabackdoor, do you also enter anything in the >Deductions&Credits< Traditional IRA and Roth IRA seection (as you would in a regular backdoor)? 2. My 1099-R also included a significant distribution from 401k to Traditional IRA at another institution. I’m 60, so that withd...
The plan also must allow participants to convert prior contributions to Roth inside the plan, as more than half of plans do, or it must allow participants to roll dollars out of the plan while still participating; and For the ultimate mega-backdoor Roth, the plan must also allow what are...
Big Gains Through the Backdoor Roth IRA So, there you have it – a way for even very high earners to contribute a large amount of cash to a tax-free account. AsJudge Learned Handonce famously stated,"Any one may so arrange his affairs that his taxes shall be as low as possible; he...
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。它和投资本身无关只是个工具而已,但这个工具很有可能几十年后帮你省下几十上百万美元的税钱。 继续基本小知识 ...
今天就给大家隆重介绍粗暴省税小心机系列之最粗暴走后门Roth IRA. 辣妈团的铁粉们肯定知道之前小葵妈写过的简单粗暴的省税小心机之退休计划篇(五) – Backdoor Roth IRA.大家肯定会问今天的这个Mega Backdoor Roth IRA 和Backdoor Roth IRA 之间有什么区别呢?其实最简单直接的区别就是字面的区别了 “Mega” 。