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。 当然,如果...
例子:假设Peter在2015年做了pre-tax 401(k) -> Roth 401(k) rollover。2020年,Peter将Roth 401(k)中的资金全部移入Roth IRA。这样2015年的这笔in-plan Roth rollover在2015年是taxable的,2020年进入Roth IRA时已是第六个tax year,因此可以按照ordering rule,随时无税无罚地取出。
Roth 401(k)是401(k)的子账户,取出操作遵循401(k)的基本规则,即pro-rata rule:与traditional IRA一样,basis与earning会被成比例取出。 qualified distribution Basis部分取出时免税(return of basis),earning部分的税务后果取决于两个条件 5-taxable-year period of participation:该Roth 401(k)的第一笔contribution...
[2:03] Does it make sense to switch to a Roth 401K [13:55] An IRMAA surcharge question [18:18] Can you use the Rule of 55 for a Solo 401K? [20:36] A backdoor Roth question [26:22] A 5-year rule Roth IRA question
401k, Retirement, Roth, Roth IRA, Savings Podcast Episode - Understanding The Five Year Rule On this podcast, we get an in depth Suze School all about what the “Five Year Rule” means with regard to ROTHs. Read Now Credit Score, Emergency Fund, Family, Loans, Retirement, Roth Podcas...
有几种特殊情况(qualified distribution)可以不满59.5岁从IRA/ROTH IRA里取钱而不交10%罚金,对于ROTH IRA来说还要同时满足5 year rule(既距离第一次contribution 5 年以上): (1)可以从IRA/ROTH IRA中取钱给自己、配偶、孩子、孙子、重孙子交学费、书本费及其他符合资格的教育费用(Qualified education expenses)。
If you don’t meet the five-year rule: Under age 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 a first-time home purchase (a $10,000 lifetime limit applies), qualified education expenses, unrei...
When the Five-Year Rule Applies When funds are rolled over from a Roth 401(k) to an existing Roth IRA, the rolled-over funds inherit the same timing as the Roth IRA. In other words, the holding period for the IRA applies to all of the funds in the account, including those rolled ov...
If you don’t meet the five-year rule: Under age 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 a first-time home purchase (a $10,000 lifetime limit applies), qualified education expenses, unrei...
第⼆步：开⼀个non-deductibleIRA 这就是为什么可以绕开税法的收⼊限制，开non-deductibleIRA是你⽤税后的钱去开户，当年不可抵税，可是因为是IRA，⾥⾯增值的部分可以延期交税，⼜因为IRA可以随时转到Roth IRA，这样就叫Backdoor Roth。这个与IRA⼀样有限度，2016年的最⾼允许贡献为5,500美元，如果...