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...
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 Af...
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 ...
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...
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?
Does contributing to an IRA reduce taxes? If you make regular contributions to an individual retirement account (IRA), you may be eligible to claim a tax deduction at the end of the year. Your deduction is based on whether your employer offers an IRA and
What's a key difference between a traditional and a Roth IRA? With a traditional IRA, your contributions may be tax deductible. Taxes are deferred until you make withdrawals. With a Roth IRA, you always contribute after-tax dollars and make potentially tax-free withdrawals in retirement.Footnote...
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...
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...
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...