1. 常规缴款:使用税后收入存入;2. 配偶 IRA(Spousal IRA):为无收入或低收入的配偶开设账户存款;3. 资金滚存(Rollover):将其他合格退休账户(如传统IRA或401(k))资金转入Roth IRA;4. 转换(Conversion):将传统IRA资金转为Roth IRA,需要支付转换时的...
Steps to Convert an IRA to a Roth IRA Converting IRA or 401k to Roth IRA After Age 60 Roth IRA Conversion Examples Summary of Converting a Roth IRA FAQs on Roth IRA ConversionsWhen Would You Want to Convert to a Roth IRA?Converting an existing traditional IRA or another retirement account ...
You could also request the amount of the conversion in the form of a check made out to you, much like a401(k) rollover. If you do this, you must deposit the funds into the Roth IRA within 60 days, or the funds may be subject to an additional 10% penalty. ...
You can put funds back into your Roth IRA after you have withdrawn them if you followthe rules. If you withdraw earnings, the 60-day rule allows for what is in essence a short-term, interest-free loan. If you miss the deadline, the withdrawal will be considered a distribution and you'...
beginning of the calendar year that you did the conversion.9So, for example, if you converted traditional IRA funds to a Roth IRA in November 2024, your five-year clock would start ticking on Jan. 1, 2024, and you'd be able to withdraw money without penalty anytime after Jan. 1, ...
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,...
Roth IRA ConversionRichard J. Schillig
问题1: 多存SIMPLE IRA(或者pre-tax 401(k)),将收入限制在146k一下是否可以直接存Roth IRA? 基于个人投资选择,Tony还准备做SIMPLE IRA -> Roth IRA的taxable conversion。但这会使他的taxable income重新超过Roth IRA的收入限制。 问题2:若因SIMPLE IRA -> Roth IRArollover使得taxable income再次超出Roth IRA...
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,你可以自己手动选择从after-tax 401k里的钱转成Roth IRA,或者自动转成Roth 401k。
三、Roth Conversion Roth虽好,但是好多人不能存。为啥?不Qualify呗。怎么办呢?好说!其中一个是存After-Tax的IRA,然后每年Convert to Roth,或者把以前的IRA每年Convert成Roth。那样你就有更多的Roth啦。但是Convert的Roth 有五年的限制,不像普通Contribute的Roth,只要账户满了5年,所有的本金都可以随时取用,而Convert...