要注意当你从after-tax 401k转进IRA的时候是属于withdraw,收益部分会有tax,所以需要钱一到401k就及时转,或者索性设置自动转成Roth 401k。 从After-tax 401k转成Roth 401k或者Roth IRA 因为401k是公司sponsor,所以并不是每家公司都可以允许你放after-tax 401k进而用Mega Backdoor Conversion。如果公司允许的话,你可以...
如果你已经存满了你的401k 的Pre-Tax Contribution 并且也存满了IRA, 去和你公司的401k plan 看看有没有after-tax contribution After-Tax Contribution 可以让你每年除了$6,000 的Roth IRA 外,存进另外的$37,500 进Roth IRA 账户。 如果你的公司允许in-service rollover, 那么你就可以第一时间把After-tax co...
BACKDOOR ROTH IRA 的操作方法是先把钱以after tax contribution 的方式存到IRA中,然后convert 到ROTH IRA里。这个conversion 的动作中间产不产生税、产生多少税,跟你已经存在的TRADITIONAL IRA里的用pre tax contribution 放进去的钱有关系。 MEGA BACKDOOR ROTH的contribution limit 是$37,500(2020)。这个数字是在...
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,...
How to use a Roth conversion ladder to save on taxes, according to experts Tue, Jul 9th 2024 Personal Finance These tax strategies can be a ‘silver lining’ after a job layoff, advisor says Fri, Jun 7th 2024 Personal Finance Mega backdoor Roth conversions can boost tax-free growth if ...
Here are some common mega backdoor Roth conversion mistakes and how to avoid them, according to experts. Failing to plan for shorter-term financial goals While mega backdoor Roth conversions can be appealing, some workers focus on the strategy before they have enough cash reserves or brokerage ...
You can do the mega backdoor Roth in two ways — convert within the plan or withdraw to a Roth IRA. Converting within the plan is much easier, and many plans automate the process. Transferring to a Roth IRA also works. See the previous postMega Backdoor Roth: Convert Within Plan or Ou...
也就是我们上面方法步骤里面的第一步。另一部分是记录nondeductible IRA conversion to Roth IRA的,也就是上面方法步骤里面的第二步。所以做backdoor Roth IRA的时候file正确的Form 8606是重中之重。强烈建议找专业人员检查Form 8606。May见过太多人甚至是CPA都把Form 8606搞错,每年放进去的钱都交了两遍税。
I am planning to do a Mega Backdoor 401k Roth in-plan conversion: EMPLOYER 401K Current Balance Pre-tax contributions $30,000 2023 Pre-tax $22,500 Represents 10% bi-weekly payroll match Employer match (25% match) $5,625 After tax contribution $37,875 If annual, needs 15% bi-weekly ...
You'll also need to pour over your company documents and probably verify with someone in the plan administration this will work. Also check outFairmark.com's article on the topic. Big Gains Through the Backdoor Roth IRA So, there you have it – a way for even very high earners to contr...