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,会包含2.7k的pre-tax money和0.3k的after-tax money。 Pro-rata即按比例
Looking for ways to maximize your retirement savings? With a traditional IRA from Vanguard, you could enjoy tax benefits now and after you retire.
Open an account Traditional IRA Traditional IRA features Investments Potential earnings grow tax-deferred Contributions Made with after-tax dollars Tax-deductible, if you meet income requirements1 Withdrawals You pay taxes on your contributions and any earnings when you withdraw Before age 59½, you...
Traditional IRAs offer the potential for tax deductibility in the present, while Roth IRA contributions are made with after-tax dollars. Withdrawals are also taxed differently: Income taxes are due on distributions from a traditional IRA. Qualified Roth IRA withdrawals, however, are tax-free. El...
A Traditional IRA is an individual retirement account in which your contributions may be tax-deductible.Footnote1Opens overlayYour earnings, if any, are tax-deferred and will be included in your taxable income at the time of withdrawal.
A traditional IRA is an individual retirement account (IRA) designed to help people save for retirement, with taxes deferred on any potential investment growth. Contributions are generally made with after-tax money, but may be tax-deductible if you meet income eligibility.1 ...
A traditional IRA is an account to which you can contribute pre-tax or after-tax dollars. Your contributions may be tax deductible depending on your situation, helping to give you immediate tax benefits. Why consider a Traditional IRA?
WithRoth IRAs,it works the other way around. You contribute after-tax funds to a Roth IRA. When you withdraw from your Roth IRA account in retirement, however, you can do so tax-free. Basically, McBride says, you will pay taxes one way or the other. With Traditional IRAs, you pay la...
IRA is a retirement account where you may be able to contribute after-tax dollars and you don’t have to pay federal tax on “qualified distributions” (as defined by the Internal Revenue Code). You cannot deduct contributions to a Roth IRA. Your Roth IRA contribution may be limited based...
Starting at age 73, pre-tax retirement accounts are generally subject torequired minimum distributions, or RMDs, based on your previous year-end balance and alife expectancy factor. By comparison, Roth accounts, which are funded with after-tax dollars and grow tax-free, don't have RMDs until ...