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,如果要提前取怎么办?所有提前取出的部分交10%的罚金。(有Exception,Roth/Traditional也不一样,这里只是感性的解释。) 1. Roth...
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...
如果从IRA中取,所有取的钱都交income tax;如果从ROTH IRA中取,本金不交税,收益交income tax。 (5)其他:包括终身残疾、向IRS支付所欠的税、后备役军人领取等。 正如前面强调的,任何牺牲退休金的做法都不可取,借钱的途径有太多,但退休养老缺钱时,是不会有机构会借给你的。紧急用钱取出来一下可以,过后一定要反...
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...
IRS.gov (2023, Nov 1) 401(k) limit increases to $23,000 for 2024, IRA limit rises to $7,000 https://www.irs.gov/newsroom/401k-limit-increases-to-23000-for-2024-ira-limit-rises-to-7000 IRS.gov (2023, July 23) IRA Contribution Limits ...
Disclaimer: “What is the difference between a ROTH IRA and ROTH 401k?”To qualify for the tax-free penalty-free withdrawal of earnings, a ROTH IRA must be in place for at least 5 tax years, and the distributions must take place after age 59 ½ or due to death or disability. Before...
IRS, Must Have Documents, Roth, Roth IRA, Taxes Podcast Episode - Ask KT & Suze Anything On this podcast of Ask KT & Suze Anything, Suze does a follow-up the the last episode and answers questions about Roths and the Five Year Rule. Read Now 401k, Retirement, Roth, Roth IRA, Tax...
The IRS has released the new Roth IRA income limits and contribution limits for the upcoming year. The maximum contribution for those under 50 stayed the same at $5,500 while the maximum for those 50 and over stayed the same at $6,500. However, the income limits did change.Read more ...
If you meet the five-year rule: Under age 59½:Earnings are subject to taxes and penalties. You may be able to avoid taxes and penalties if you use the money for a first-time home purchase (a $10,000 lifetime limit applies) or if you have a permanent disability. If you pass away...