本来想着做backdoor IRA的，每年转些税后的钱到traditional IRA然后convert成Roth。最近刚听说有一个什么pro rata rule，说对irs来说所有的IRA Account都是一样的，我恰好有几万是从前公司的401k roll over到rollover ira里了，也就是我如果有十万总数在IRA(rollover+traditional+Roth)里，如果我想从traditional IRA里convert 6千到back door roth IRA，那这六七千里只有6000/100000=6%免税，也就是这6000的94%实际被double tax了，因为本来就是税后的钱存进去的。 现在好后悔把以前的401转到rollover IRA, 这样我永远享受不到backdoor IRA的benefit了? 感觉很不Make sense啊。美国的税法怎么这么复杂呢？大家能指点下我的理解对吗？有什么补救方法让我能不被double tax做backdoor IRA吗？ Vivian8 发表于 2020-12-28 15:16
You still can do it. But first, you have to rollover all your pre tax IRA to your employer 401K. This is first step. It is very important. We need make sure there is no pretax IRA in IRA account.
You also need be very careful when you fill out 8606 form since your contribution occur after 2020 SMALLPAN 发表于 2020-12-28 15:31
多谢mm, 请问所有401k plan都允许大家从ira account roll over money 过去吗？这个rollover ira 是我很多年前rollover 的，后来又换过公司，可以rollover 到现在公司的401k 吗？ 还有就是每年可以convert 多少到back door ira ？ 你说的very careful 是有关什么？我之前不知道，已经convert 了一万二到roth 了，看来这一万二要交税了，哭死了。
多谢mm, 请问所有401k plan都允许大家从ira account roll over money 过去吗？这个rollover ira 是我很多年前rollover 的，后来又换过公司，可以rollover 到现在公司的401k 吗？ 还有就是每年可以convert 多少到back door ira ？ 你说的very careful 是有关什么？我之前不知道，已经convert 了一万二到roth 了，看来这一万二要交税了，哭死了。 Vivian8 发表于 2020-12-28 16:11
Check with your current 401k administrator. There is no limit how much you can covert to Roth IRA, as long as you pay regular income tax for the amount you converted.
Check with your current 401k administrator. There is no limit how much you can covert to Roth IRA, as long as you pay regular income tax for the amount you converted. robots 发表于 2020-12-28 16:16
我可以把rollover ira convert 成roth 吗？这样可以避免我从traditional ira convert 到roth 的钱被double tax 吗？
回复 6楼Vivian8的帖子 You can do roth conversion. It has be do done by the end of year. You will pay tax on the conversion amount. SMALLPAN 发表于 2020-12-28 17:34
谢谢 just to make sure 从rollover ira convert 到roth 没有任何penalty 只用交税？ 这样我traditional ira 里的钱是不是就不用被double tax了， 因为交税的部分是按ira account 里pre-tax和 post-tax的比例来算的，正好就是我traditional rollover ira 的钱数，不知道我说清楚没有，唉，太费劲了，税法太烦了，一不小心就踩坑。
现在好后悔把以前的401转到rollover IRA, 这样我永远享受不到backdoor IRA的benefit了? 感觉很不Make sense啊。美国的税法怎么这么复杂呢？大家能指点下我的理解对吗？有什么补救方法让我能不被double tax做backdoor IRA吗？
You still can do it. But first, you have to rollover all your pre tax IRA to your employer 401K. This is first step. It is very important. We need make sure there is no pretax IRA in IRA account.
You also need be very careful when you fill out 8606 form since your contribution occur after 2020
多谢mm, 请问所有401k plan都允许大家从ira account roll over money 过去吗？这个rollover ira 是我很多年前rollover 的，后来又换过公司，可以rollover 到现在公司的401k 吗？
还有就是每年可以convert 多少到back door ira ？
你说的very careful 是有关什么？我之前不知道，已经convert 了一万二到roth 了，看来这一万二要交税了，哭死了。
Check with your current 401k administrator. There is no limit how much you can covert to Roth IRA, as long as you pay regular income tax for the amount you converted.
我可以把rollover ira convert 成roth 吗？这样可以避免我从traditional ira convert 到roth 的钱被double tax 吗？
You can do roth conversion. It has be do done by the end of year. You will pay tax on the conversion amount.
谢谢 just to make sure
从rollover ira convert 到roth 没有任何penalty 只用交税？ 这样我traditional ira 里的钱是不是就不用被double tax了， 因为交税的部分是按ira account 里pre-tax和 post-tax的比例来算的，正好就是我traditional rollover ira 的钱数，不知道我说清楚没有，唉，太费劲了，税法太烦了，一不小心就踩坑。