具体怎么操作可以看看我主页的《FIRE省税系列 - HSA正确用法》。 如果你还有多余的钱,可以考虑用mega backdoor和backdoor的方法把401k和Roth都拉满。2024年mega backdoor可以存69k,backdoor可以存7000,一共76k。具体操作可以看看我主页的相关文章。 如果以上方法都不适用,那就要考虑存pre-tax 401k还是Roth了。 ...
不过别担心,10年诞生了一个法案,给大家提供了“后门”机会(Backdoor Roth)。操作逻辑很简单:2023年你年收入20万元,其实不能存Roth IRA。只需去主流Broker开一个IRA存入你税后或存款(记住限额一样:6.5万元),几乎“同时”将这regular IRA convert to Roth IRA。Broker有详细介绍,操作容易。 总结 虽然大家都知道这...
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Would it beneficial to open Roth ira or back door conversion to Roth ira? Since I am over 59 1/2, do I have to still wait 5 years before withdrawing from the Roth ira? Would it be beneficial to leave in traditional ira or do Roth ira for tax benefits? I also, bought stocks in ...
Wealthfront offers Roth, traditional, rollover and SEP IRAs, along with backdoor Roth conversions and 401(k) rollovers. Our pick for Roth IRA for active traders Add to Compare Best Online Broker for Advanced Traders 2024 Interactive Brokers IBKR Lite NerdWallet rating 5.0/5 Learn more on ...
Roth IRA的基本玩法 Roth IRA是一个退休账户,最大的亮点是它的本金和盈利都是免税的。也就是说,你把钱存进去,等退休的时候取出来,不用交税。这对于那些收入较高、税率也高的人来说,简直是救命稻草。 升级玩法:Backdoor Roth IRA和Mega Backdoor Roth IRA 不过,Roth IRA还有一些复杂的玩法,比如Backdoor Roth...
Fri, Jun 7th 2024 Personal Finance Mega backdoor Roth conversions can boost tax-free growth if you avoid mistakes Thu, Jun 6th 2024 Personal Finance Mega backdoor Roth conversions can boost retirement savings for higher earners Fri, May 31st 2024 Personal Finance Roth conversions are up in 202...
Related to Roth IRA:Traditional IRA,Roth 401k Roth IRA (ī′är-ā′) n. A modified individual retirement account in which a person can set aside after-tax income up to a specified amount each year. Earnings on the account are tax-free, and tax-free withdrawals may be made after age...
Roth IRA Contribution Limits:For 2024 and 2025, you can contribute $7,000 yearly (or $8,000 if you are 50 or older).5 With a backdoor Roth IRA conversion, these income and contribution limits don’t apply. Benefits of a Backdoor Roth IRA ...