基金账户，可能很多已经每年发红利的时候已经付过税了，要不你查查你的cost，再算算税？ 这账户是你的名字还是孩子的名字？如果是孩子的名字每年还有kiddie tax可以省税 Under the kiddie tax rules for 2020, the child's unearned income under $1,100 is not taxed; the next $1,100 is taxed at the child's tax rate and any unearned income in excess of $2,200 is taxed at the parents' tax rate.
按照下面文章的说法，超过$2200部分的gifted stockes，孩子如果在24岁前卖了，仍然适用爸妈的税率，那这种就没有多少意义了 Another issue that could come into play is the kiddie tax. This refers to taxes on unearned income for a child who is age 18 or younger at the end of the tax year, or one who is a full-time student between the ages of 18 and 24 whose earned income does not account for more than half of their support. Relative to gifted stock, this could include dividend income or capital gains if the shares are sold. The Secure Act of 2019 repealed the “kiddie tax” rates from the 2017 tax reform legislation back to previous levels. Under the new rules put in place in 2020, the first $1,100 of unearned income is tax-free, and the next $1,100 is taxed at the child’s rate. Unearned income above $2,200 is taxed at the parent’s tax rate.
按照下面文章的说法，超过$2200部分的gifted stockes，孩子如果在24岁前卖了，仍然适用爸妈的税率，那这种就没有多少意义了 Another issue that could come into play is the kiddie tax. This refers to taxes on unearned income for a child who is age 18 or younger at the end of the tax year, or one who is a full-time student between the ages of 18 and 24 whose earned income does not account for more than half of their support. Relative to gifted stock, this could include dividend income or capital gains if the shares are sold. The Secure Act of 2019 repealed the “kiddie tax” rates from the 2017 tax reform legislation back to previous levels. Under the new rules put in place in 2020, the first $1,100 of unearned income is tax-free, and the next $1,100 is taxed at the child’s rate. Unearned income above $2,200 is taxed at the parent’s tax rate. 爱吃烤鱼片 发表于 2021-06-17 12:29
Thanks for the information, 那估计要让孩子努力打工了，争取能够超过half support
谢谢同学们的建议，那我现有的基金账户就不动它了，另外存一些529吧。请大家推荐哪个平台开529比较好和方便呢？谢谢
基金账户转529的过程，需要基金账户卖出，这个动作就trigger tax了。
你是说一年取15000刀给孩子就不用交税？
不是取，是gift，不要自己卖了再给，股票给了孩子账户以后，让他卖，因为孩子没有什么收入，所以他自己单独报税，就不用交什么税
基金账户，可能很多已经每年发红利的时候已经付过税了，要不你查查你的cost，再算算税？ 这账户是你的名字还是孩子的名字？如果是孩子的名字每年还有kiddie tax可以省税 Under the kiddie tax rules for 2020, the child's unearned income under $1,100 is not taxed; the next $1,100 is taxed at the child's tax rate and any unearned income in excess of $2,200 is taxed at the parents' tax rate.
马克一下！
按照下面文章的说法，超过$2200部分的gifted stockes，孩子如果在24岁前卖了，仍然适用爸妈的税率，那这种就没有多少意义了
Another issue that could come into play is the kiddie tax. This refers to taxes on unearned income for a child who is age 18 or younger at the end of the tax year, or one who is a full-time student between the ages of 18 and 24 whose earned income does not account for more than half of their support. Relative to gifted stock, this could include dividend income or capital gains if the shares are sold. The Secure Act of 2019 repealed the “kiddie tax” rates from the 2017 tax reform legislation back to previous levels. Under the new rules put in place in 2020, the first $1,100 of unearned income is tax-free, and the next $1,100 is taxed at the child’s rate. Unearned income above $2,200 is taxed at the parent’s tax rate.
Thanks for the information, 那估计要让孩子努力打工了，争取能够超过half support
一年$2200免税也聊胜于无。假设total gifted stocks5万美金，涨到6万1，分批卖，一年卖$12200，这$2200不用交税，也不错了。两个孩子就$4400。24岁以后如果孩子税率比父母低，也可以给孩子做首付。
谢谢mm分享。