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,...
经过TCJA(Tax Cuts and Jobs Act)2017,IRA的Contribution规则有调整,如果你72岁了,还在继续工作,有Earned Income,那IRA是可以继续放的。在这之前,一旦开始RMD,那就不可以放IRA了。这一点大家要注意一下喔。 税务方面,Tax-Deductible 和 After-Tax IRA 在增长的过程中都是延税的,59½时取出来的时候呢,如果...
如果所在公司的401k plan:1. 允许放After-tax contribution; 2. 可以做in service conversion to Roth IRA, 则每年可以先放钱进入after tax 401k,然后转入Roth IRA里面。 假设公司的match为员工contribution的50%, 则2019年可以通过Mega backdoor Roth IRA进入Roth IRA的钱为: $56,000 (2019年401k limit) – ...
After Tax IRA平时很难见到。 After Tax 401k比较鸡肋,如上所述。 Roth 401k和Traditional 401k一起算入$19,000的cap里,同时Roth 401k因为灵活性的问题比不过Roth IRA,所以不推荐。 Traditional IRA则因为你已经有Traditional 401k了,所以哪怕你contribute了,那部分也不能用来deduct减税。 所以以上的按下不表,剩下...
What to Do if Your Income Exceeds Roth IRA Contribution Limits The tax advantages for IRAs are generous, so the federal government limits them to people who fall within certain income brackets. Suppose you don’t meet income requirements to get the tax benefits from the traditional IRA or contr...
by Britt Gillette at Your Roth IRA 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 ...
What is a Roth IRA? Do I want a traditional or Roth IRA? What’s a Roth conversion? What does it cost? What’s a SEP IRA? Am I eligible for Roth IRA? What's the contribution limit for a Roth IRA? Boost your retirement with a Roth IRA. Get started Accounts...
我们知道从Roth IRA取钱,regular contribution总是最先被取出,那么从traditional IRA取钱时,是不是basis先被取出呢? 不是! Traditional IRA的取钱规则是Pro-rata rule:pre-tax和after-tax(也即basis) 必须以它们在traditional IRA中的比例被取出。例如traditional IRA总共有资金10k,其中1k是basis。那么从中取出3k,会...
Roth IRA Contribution Calculator If you’re like me and math scares the bejesus out of you, there are plenty of handy tools online to help you determine how much you can contribute. Here’sone I found that’s simple to use. All you do is plug in your age, contribution tax year, tax...
This retirement savings credit is up to $1,000, depending on your filing status, AGI, and Roth IRA contribution.15 Here are the limits to qualify for the Saver’s Credit: Taxpayers who are married and filing jointly must have incomes of $73,000 or less. ($76,500 or less in 2024...