It is against the law ... Roth IRA has to be earned income - your kid has to work to earn the money otherwise it's tax fraud. changheruhailiu 发表于 2021-10-29 20:58
其实这个真的可以，孩子可以own business，然后earn income from business。其次孩子也可以work for family business，任何年龄都可以，不算童工，比如美国很多农场主的孩子很小就干农活。而且也可以以此获得income。 小气蔻蔻 发表于 2021-10-29 21:20
https://money.usnews.com/money/personal-finance/family-finance/articles/do-your-kids-need-a-roth-ira "Earned income is defined by the IRS as taxable employee pay including wages, salaries and tips and includes all income reported on a W-2 tax form. Net earnings from self-employment is also considered earned income. As a result, a child who makes money mowing lawns or babysitting could open a Roth IRA, but one whose only income comes from Social Security or investment dividends cannot open a Roth IRA."
要收入才行啊，生下来就挣工资？模特？
The Internal Revenue Service (IRS) gets a little grumpy if you contribute to a Roth individual retirement account (Roth IRA) without what it calls earned income. That usually means you need a paying job—either working for someone else or for your own business—to make Roth IRA contributions. But what if you don't have one—a job, that is—and you still want a Roth?
Try explain to IRS how your new born has earned income...
找个老中家庭，孩子上小学就开始playdate互为babysitter，哈哈哈，我开玩笑的，当税务局是傻子呢
其实这个真的可以，孩子可以own business，然后earn income from business。其次孩子也可以work for family business，任何年龄都可以，不算童工，比如美国很多农场主的孩子很小就干农活。而且也可以以此获得income。
理论上可行，实际上经不住audit，攒不了几个钱回头再把税务局招来。想投资直接用孩子爷爷奶奶名义开美股，以后以后gift或者按遗产给孩子
以上不作为税务建议，具体请咨询您的保税师
这个孩子就工作了呀，当然自家的要很多证据的才行。
这个听上去挺不错的，有人这么干吗？求操作经验
你说的教育保险收益太低。人家搞教育保险，就是指望这个从你身上赚钱。羊毛出在羊身上，哪有那么好的活雷锋
529 都讨论过多少轮了吧。
我以前不懂，后来发掘这不就是教育版的ROTH么。赶紧滴，存起来。
当然，税后，有余钱才行。无脑存，也是相对于要放普通税后投资账户来说。
"Earned income is defined by the IRS as taxable employee pay including wages, salaries and tips and includes all income reported on a W-2 tax form. Net earnings from self-employment is also considered earned income. As a result, a child who makes money mowing lawns or babysitting could open a Roth IRA, but one whose only income comes from Social Security or investment dividends cannot open a Roth IRA."