Roth IRA还有一些5-year rule,这些规则如果不搞清楚,很容易混淆。具体来说,如果你在账户里存了一笔钱,这笔钱需要在账户里待满5年才能避免罚款。所以,存钱的时候一定要考虑好这笔钱的用途和时间。 小结📝 总的来说,Roth IRA的取钱规则其实并不复杂,只要搞清楚年龄限制、取钱的顺序和5-year rule,就不会再...
Watch out for the five-year rule The IRS generally requires any conversion to have occurred at least five years before you access the money, or you’ll be hit with a 10 percent early withdrawal penalty. “If you think you’re going to need to withdraw the assets in less than five years...
For the 2024 tax season, standard Roth IRA contribution limits increased from last year, with a $7,000 limit for individuals. Plan participants ages 50 and older have a contribution limit of $8,000, which is commonly referred to as the “catch-up contribution.” ...
所以这里可以得出一个结论:Traditional IRA 在收入<= T1时,效果等同于Traditional 401K。 >T1时,等价于After Tax 401K。Roth IRA 在收入 < T' 时,等价于Roth 401K。(这里我们忽略取款要求,RMD,5-year rule,仅仅对存钱和收益增长进行划分。) [注1]: 年龄>59.5 且你任意的401K/IRA账户已满五年。
Understanding 5-Year Rule for Roth Withdrawals.The article presents questions and answers about converting a traditional individual retirement account (IRA) to a Roth IRA in the U.S.GreeneKellyEBSCO_bspWall Street Journal Eastern Edition
Fairmark和Bogleheads论坛上长期流传一张Kawill’s table,用于作Roth distribution时查看。这张表格汇合了Roth IRA qualified withdrawal条件,ordering rule,以及两个五年规则。读者可测试一下是否能理解表格中的每一个项目Tax和Penalty的结果。 提示:FIVE YEAR CONVERSION HOLDING PERIDO即是recapture penalty的5年,而FIVE...
» A deep diveonthe Roth IRA five-year rule Roth IRA distribution rules: Qualified vs. non-qualified Qualified distributions:A qualified distribution from a Roth IRA is when you can withdraw investment earnings without taxes or penalties. ...
For this purpose, the one-rollover per-year rule of Code Section 408(d)(3)(B) does not apply if the rollover contribution is from an IRA other than a Roth IRA. (b) Rollovers and Conversions from Traditional and SIMPLE IRAs to Roth IRAs. An individual may make a rollover contribution ...
Married Filing Separately$0 - $10,000 Beware of the 5-Year Rule One potential trap to be aware of is the so-called "five-year rule." You can withdraw regular Roth IRA contributions tax- and penalty-free at any time or any age. Converted funds, on the other hand, must remain in your...
If you don’t meet the five-year rule:16 Younger Than 59½: Earnings are subject to taxes and penalties. You may be able to avoid the penalty (but not the taxes) if you use the money for specific purposes. They includefirst-time home purchases, qualified education expenses, unreimbursed...