Pre-tax only: You can only transfer pre-tax IRA funds to a 401(k). Under current law, you cannot transfer Roth IRA assets into a Roth 401(k) or Roth 403b. ... Likewise, after-tax assets in an IRA are problematic if you want to move funds to your 401(k). Is it right? Pre-tax only: You can only transfer pre-tax IRA funds to a 401(k).
Pre-tax only: You can only transfer pre-tax IRA funds to a 401(k). Under current law, you cannot transfer Roth IRA assets into a Roth 401(k) or Roth 403b. ... Likewise, after-tax assets in an IRA are problematic if you want to move funds to your 401(k). Is it right? Pre-tax only: You can only transfer pre-tax IRA funds to a 401(k). hutang 发表于 2021-09-19 20:31
Because having a regular IRA will interfere with Mega Roth. Plus you can have flexibility in Solo 401K as well. I have one with fidelity and you can do anything you want, including "shooting your self in the foot".
I think when you file your tax, you will get penalized. I have done that before by accident. Went working a new company but the former employer kept paying me (and contribute to 401K which I didn't roll out). Ended contributed 3k extra in the 401K and the fund went straight to a growth fund. I returned the money and they ended up took the excessive 3K back out of my 401K, except they put in 3K and took out 3K but the market tanked so I ended up losing 1K (it was year 2000).
1.如果前公司本来就有401K和roth 401K. 换工作,想当然的就是401K转IRA, roth 401K 转roth IRA。 是不是这样就不用交税了啊? 2。我也看了其他帖子, 是不是traditional IRA 里清零,下一年就可以back door了? 同时roth IRA 里还是可以有余额的?
虽然没看懂怎么搞mega,但是以后有钱的话也想多存。 所以没看明白为什么有人说401转到了ira,以后就不能换到roth IRA了。 希望好心网友指教。。。。。先谢谢啦。
可以转,就是交税而已,然后比较麻烦
401K Rollover的Traditional IRA是可以做roth conversion,但你要给conversion金额里面的本金部分交income tax,假设你年收入是20万,那这本金都得按24%的税率交税,还要为资本利得部分交capital gain tax,划不来啊。
旧工作的traditional 401k 怎么办? 看上图。 1.留在原地,要收管理费。不划算。 2.cash out, 要交罚款因为没到退休。 剩下选择3 或者4。 3 就是原401k 转到新公司401K, 本质不变,没有税的变化,就像换个银行那么简单。我自己就选这个。 4. Traditional 401k rollover IRA 4 的情况1: 如果 rollover to traditional IRA, 那么以后不能backdoor。
首先如果你收入没达到backdoor ,就暂时不要担心这个。 但你以后加薪或者你配偶赚很多,你还是把backdoor 的路封了。( 回答你问题, 做backdoor的条件, traditional IRA 里不可以有钱)
4 的情况2: traditional 401k 转到 Roth IRA, 要一次性补缴税。例如收入不高,例如年薪10万(不符合backDoor),你旧公司有20万在401K, 全部转Roth ,这20万就一下要交你当年的税率(例如10%),这样只有2万,就转吧。
但是有backdoor 的人, 收入高了,税率高了,就不一定补税2万了。这就要看划不划算。
同一年不可以backdoor.
backdoor anyone can do. mega 看雇主的
其实有疑问的地方都是细节 . 比如本金部分交income tax。 401k的本金是多年积累的,比如100块里, 我自己都不知道里面多少本金多少,多少是几年工作存的401增长的部分。 IRS说的“本金”是除了“当年利润”之外剩下的所有的钱吗?
我的理解是当把pre tax401K rollover 到 Roth IRA,不管本金还是收益,全算是ordinary income,所以需要找一年收入低或401K 跌在一个低点时rollover 比较合算。我计划在退休后收入低了慢慢转。
you paid no tax on your pretax 401K so the whole amount will be subject to tax.
-如果前公司已经有了pre tax regular 401K (也就是大多人,大多公司都有的,最常见的401K)那转traditional IRA (t IRA) 是不用交税的。 需要注意的是:1.同年就不可以back door, 6千. 也有同学回答,可以有钱,但是报税很麻烦。。。 2. 如果t IRA转成roth IRA, 在之后报税就要交足税。因为这个账户里全都是pre tax,无论怎增长还是本金,都要交税。
-如果前公司已经有了AFTER tax ROTH 401K, (这个不是每个公司都有的)。那这部分本来就是已经交了税的。 所以直接转Roth IRA 不用交税。
只是要probated交税。
不知道以上总结对不对。 还有就是年终报税是不是要提醒会计报什么额外的税表! 希望有经验的朋友继续指教!
按这个例子4的情况2来说, 1。年薪10万 2。旧公司有20万在401K
这种情况下报税你当年的应税收入就不是10万而是30万了。你的税率也不再是10%, 边际税率会上升到32%或37%。
如果regular IRA和Roth IRA里都有钱, 以后每一年的backdoor Roth IRA都麻烦,因为rollover 的taxation 是按Regular IRA 账号总数的比例。所以想要一直做back door Roth的话,最好regular IRA balance 保持为零,把原来公司的pre tax 401K留在原地或者转到新公司的401K, 不要转成regular IRA。
1. backdoor 转ira要小心,操作不好会补很多税,搜一下pro rata rule.
2. 401 里面的after tax 和 roth 是不一样的,只有aftertax 那部分才能做mega backdoor. 进roth ira不用交税.
楼主,推荐看花街辣妈团的公众号,有几篇文章讲的比较清楚全面,比在论坛大家各自回帖效果好多了。
哪里说了 "1.留在原地,要收管理费。不划算。"?
401K转到IRA是不可逆的。
Mark.
Is it right? Pre-tax only: You can only transfer pre-tax IRA funds to a 401(k).
最后一个问题没看懂,干嘛要把好不容易从401k 转出来的IRA ,再转到401k 啊? 一般人要IRA都只是想要flexibility.
Don't think what you said is true.
If IRA is pretax and 401K is pretax, you can just do a direct transfer.
Because having a regular IRA will interfere with Mega Roth.
Plus you can have flexibility in Solo 401K as well. I have one with fidelity and you can do anything you want, including "shooting your self in the foot".
yeah right, lets have a flat tax rate and dismantle IRS!
Mega 对雇主有什么要求啊?
当年不能再存了
雇主有after tax401k的选项才可以做mega 如果只有pretax就不行
看雇主有没有提供这个plan。你前面问到两个公司都存,超过annual limit 要拿出来。不然年年付罚款。
谢谢! 我去修改一下之前的总结。。。。
I think when you file your tax, you will get penalized.
I have done that before by accident. Went working a new company but the former employer kept paying me (and contribute to 401K which I didn't roll out). Ended contributed 3k extra in the 401K and the fund went straight to a growth fund. I returned the money and they ended up took the excessive 3K back out of my 401K, except they put in 3K and took out 3K but the market tanked so I ended up losing 1K (it was year 2000).
yes,
据说是可以 没有操作过
Are you sure 同一年不可以back door? 只要traditional 先清零应该就可以同一年back door 了吧?
再问大家一次: 同一年可以做back door Roth 吗? 只要traditional 先清零应该就可以同一年back door 了吧?