请教一下具体细节 -- open a traditional ira account and a roth ira account fund the traditional ira account using after-tax money (max 6000) transfer the money from the traditional ira account to roth ira account the next day (do not withhold tax) do it before April 15, 2021 so it would count as prior-year''''s (2020) contribution file form 8606 for the $6000 when filing tax return 是这样吗?
回复 2楼星月花草的帖子 NOT QUITE UNDERTAND "BACKDOOR ROTH IRA", IT WILL USE UP THE ROTH CAP ? RIGHT? IF YOU PUT 6K IN ROTH IRA VERY YEAR, NO ROOM FOR "BACKDOOR ROTH IRA", AM I RIGHT ? THANKS !
Backdoor 有两种,都可以用: 1) $6000 after tax money to traditional ira, convert to roth ira. 2) After tax 401K, convert to roth ira. 这种可能要看你公司支不支持After Tax 401K。
Backdoor 有两种,都可以用: 1) $6000 after tax money to traditional ira, convert to roth ira. 2) After tax 401K, convert to roth ira. 这种可能要看你公司支不支持After Tax 401K。 sizhang 发表于 2021-01-04 23:36
准确,赞。 还有一个最最普通的第三种,就是如果你已经有pre tax tradtional IRA, 你也可以转成roth,合算不合算是另外一回事。 特殊情况:然后如果你已经有了很大的pre tax IRA,再用after tax IRA,convert需要用pro rata rule,就有些麻烦乐。所以$6000 after tax IRA 方法我就不用了,我的pre tax IRA 很大。我现在只用after tax 401K.
“假设,你在Jan 1, 2018, 在你的Traditional IRA 账户里存了$5.5k。 然后你在Jan 2, 2018 把这$5.5 转到你的Roth IRA 账户里面。这样,你就最大限度上利用了这个溜后门的绝技,让你这$5.5k投资产生的gain 完全免税。 溜后门的正确打开方试注意事项: 1. 存进TraditionalIRA 里的$5.5k 必须是税后的钱,没有claim 任何tax deduction的。如果是税前的钱,那么转的时候就需要补交这部分税。”
现在roth的限额是$6000,但是我往traditional ira里存钱的时候,发现银行会默认转入的是税前收入,直接扣掉11%的稅,但实际上我是从自己的税后工资卡里往traditional ira里存钱,那这个钱到底怎么转?直接从我的工资卡往roth里转吗?但不是说backdoor是要从tradtional 往roth里转才可以吗? 我晕了。。。
哪位懂这个专业人士能指点下吗?
感谢!吓一跳直接miss了!
可以,走backdoor
可以的,用Roth IRA conversion。
进来学习[bb1][bb1][bb9][bb9]
但是值得搞
顺道问4/1以前搞好可以算成上一年的吗
可以,是4/15号
请教一下具体细节 -- open a traditional ira account and a roth ira account fund the traditional ira account using after-tax money (max 6000) transfer the money from the traditional ira account to roth ira account the next day (do not withhold tax) do it before April 15, 2021 so it would count as prior-year''''s (2020) contribution file form 8606 for the $6000 when filing tax return 是这样吗?
NOT QUITE UNDERTAND "BACKDOOR ROTH IRA", IT WILL USE UP THE ROTH CAP ? RIGHT?
IF YOU PUT 6K IN ROTH IRA VERY YEAR, NO ROOM FOR "BACKDOOR ROTH IRA",
AM I RIGHT ? THANKS !
谢谢🙏
学习一下下
准确,赞。
还有一个最最普通的第三种,就是如果你已经有pre tax tradtional IRA, 你也可以转成roth,合算不合算是另外一回事。
特殊情况:然后如果你已经有了很大的pre tax IRA,再用after tax IRA,convert需要用pro rata rule,就有些麻烦乐。所以$6000 after tax IRA 方法我就不用了,我的pre tax IRA 很大。我现在只用after tax 401K.