要想免税取出Roth IRA账户中投资收益,必须满足两个条件: 账户已经开设至少5年; 年龄达到59½岁。 这就是所谓“五年规则(Five-Year Rule)”,在提前取款时需要注意。 总结:如何在实际中做选择? 选择Traditional IRA还是Roth IRA,没有“放之四海而皆准”的标准答案,关键在于个人的税务现状、未来预期税率、收入水平、退休规划
這張表格匯合了Roth IRA qualified withdrawal條件,ordering rule,以及兩個五年規則。讀者可測試一下是否能理解表格中的每一個項目Tax和Penalty的結果。 提示:FIVE YEAR CONVERSION HOLDING PERIDO即是recapture penalty的5年,而FIVE YEAR SINCE OPENING FIRST ROTH IRA則是5-year non-exclusion period。如果Roth IRA...
2Roth IRA five-year rule: 从你最初开账户和放钱进去开始算,满5年后,从Roth里面拿钱就是qualified distribution了,不管你年纪多大时候才开了账户。比如,你58岁才开了账户,则需要等到你63岁的时候开始拿增长部分的钱才没有罚款。 3Qualified Versus Non-Qualified Distributions: ...
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.Wall Street Journal - Eastern EditionGreeneKelly
the reality is that the Roth conversion 5-year rule is a moot point anyway, because they already meet another exception to the early withdrawal penalty (e.g., already being over age 59 1/2). However, in all cases, the 5-year rule for contributions must be met before any Roth earnings...
What to Know About the Roth IRA Five-Year Rule All investors should be aware of these three five-year rules. You may need to wait before you can access your Roth IRA funds. Don’t miss this second chance at a potentially lucrative opportunity ...
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...
There's no getting around the 10% penalty if the five-year rule isn't met, but if five years has passed, then you can avoid the 10% penalty on earnings in some situations, such as if the money is used for college tuition or to pay certain medical costs. Also, if the account is ...
What to Know About the Roth IRA Five-Year Rule All investors should be aware of these three five-year rules. You may need to wait before you can access your Roth IRA funds. Choosing a Roth IRA vs. a 401(k) There are several differences between the two, especially when it ...
Although the Roth IRA five-year rule looks slightly different in each case, the same principle generally applies: A Roth IRA withdrawal satisfies the five-year rule when it occurs at least five years after the money first enters the Roth IRA. The five-year rule is just one part of the eq...