注意这里说的 After-tax 401(k) 不是 Roth 401(k),而是指的存满了 Traditional+Roth 的限额之后再自己充值的部分。After-tax 401(k) 在存的时候不能抵税、取出的时候也不免税,唯一的税收优惠是中间的资本利得暂不征税。After-tax 401(k) 最大的用处是用来做 Mega Backdoor Roth IRA,后文会讲。充值 Aft...
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即按比例的意思。美国人喜欢用cream in the coffee比喻pre-t...
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 ...
Nondeductible IRA contributions can still be valuable: Money for retirement is money for retirement, and your investment earnings will still grow tax-deferred. But this can also be a headache: You are responsible for keeping track of after-tax contributions by filing IRS Form 8606 each year so...
Traditional IRA:Withdrawals from a traditional IRA after age 59½ are subject to income taxes because, remember, you avoided paying them on the money you contributed to the account (if you qualified for the deduction). The IRS calculates the amount due based on the tax bracket you’re in ...
Roth IRA vs. Traditional IRA ARoth IRAis the other common type of IRA individuals tend to set up, but you contribute to it with after-tax dollars instead of pretax dollars. Here are the primary differences between a Roth IRA and a traditional IRA.5 ...
Traditional IRA Get started TAX FEATURES Any potential earnings Grow tax-deferred, until withdrawn Contributions: Made with after-tax dollars Tax-deductible, if you meet income requirements1 Required minimum distributions (RMDs) Generally, you are required to withdraw a minimum amount of money starting...
Traditional IRA (redirected fromTraditional IRAs) Traditional IRA Atax-deferred individual retirementaccountthatallowsannualcontributionsof up to$2000foreachincomeearner.Contributionsarefullydeductibleforallindividualswhoarenotactiveparticipantsinemployer-sponsoredplansorforplanparticipantswithincertainincomeranges. ...
While Roth IRA contributions are made withafter-taxdollars, traditional IRA contributions are made withpre-taxdollars. This means that in most cases, traditional IRA contributions can be deducted from your income—although there are certain limitations.5 The deductibility is determined by income lev...
How Much Can I Contribute to an IRA After Retirement? The amount that you can contribute to an IRA after retirement is the same that you were allowed to contribute before retirement. In 2024, the amount you can contribute is $7,000 but you can contribute an extra $1,000 if you are 50...