Tax on excess IRA contributions An excess IRA contribution occurs if you: Contribute more than the contribution limit. Make a regular IRA contribution for 2019, or earlier, to a traditional IRA at age 70½ or older. Make an improper rollover contribution to an IRA. Excess contributions are taxed at 6% per year for each year the excess amounts remain in the IRA. The tax can't be more than 6% of the combined value of all your IRAs as of the end of the tax year. To avoid the 6% tax on excess contributions, you must withdraw: the excess contributions from your IRA by the due date of your individual income tax return (including extensions); and any income earned on the excess contribution. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
咋取?这个账户还有之前存的Traditional 401K,那我应该取多少出来?这个是税后的钱存到了税前的账户里了
知道咋转吗?我用的是vanguard
如果这部分钱还没有投资但是已经交了税,那转入roth ira就好了。。。
已经投资买股票了。我是不是要自己计算一下收益多少,再加上本金一起转到Roth吗?
你给Vanguard打电话啊,他们管retirement account的部门应该有人懂会帮你转的。
这叫backdoor roth ira,你可以网上搜一下,很多人都做这个。
vanguard需要开一个roth ira account,然后可以转过去。
补个link https://investor.vanguard.com/ira/roth-conversion
如果你有pretax的ira(不是401k),那需要考虑一下,因为需要pro rata转,要补pretax的税。如果你没有traditional ira,那就无脑转。401k不受影响。
我只转6000税后的钱,不是所有啊
那有点麻烦,因为必须税前税后的ira按同等比例转
roth ira+traditional ira一年只能存6000,所以只能把本金转过去,(assume本金已经交过税了),收益不能转。。。收益只能暂时留在traditional ira里,交税后用下一年的quota转进roth ira,这样以后就省心了。。。你打电话问一下vanguard。。。
contribution只能有6000,conversion我没记错的话应该没有限制