看着有点晕，顺便说一下，为什么美国的退休金制度这么复杂 如Traditional IRA和401K同时存在，则两个账户存款总和上限既要符合Traditional IRA账户存款不得超过$6000(满50岁则是$7000)的要求,也要符合两个退休金账户上限总和不超过$19,500（2020）。 我401k 已经存满了19,500 Can I max out a 401k and an IRA in the same year? The limits for 401(k) plan contributions and IRA contributions do not overlap. As a result, you can fully contribute to both types of plans in the same year as long as you meet the different eligibility requirements.
我看到的是如果有work place retirement，IRA (or backdoor roth) is limited by income 。MAGI $125,000 or more for joint couple 就没了（see the link below)。 https://www.nerdwallet.com/article/investing/ira-contribution-limits Mega back door Roth 是不收这个限制的。 懂的人可以给解释一下我的理解是不是对的。
我看到的是如果有work place retirement，IRA (or backdoor roth) is limited by income 。MAGI $125,000 or more for joint couple 就没了（see the link below)。 https://www.nerdwallet.com/article/investing/ira-contribution-limits Mega back door Roth 是不收这个限制的。 懂的人可以给解释一下我的理解是不是对的。 rime 发表于 2021-12-25 20:43
IRA link 明明写着traditional IRA 的limited。 没有任何人一说。没有收入限制指applied没有workplace retirement plan 的人。 Here are the traditional IRA phase-out ranges for 2021: $66,000 to $76,000 – Single taxpayers covered by a workplace retirement plan. $105,000 to $125,000 – Married couples filing jointly. This applies when the spouse making the IRA contribution is covered by a workplace retirement plan. $198,000 to $208,000 – A taxpayer not covered by a workplace retirement plan married to someone who's covered. $0 to $10,000 – Married filing a separate return. This applies to taxpayers covered by a workplace retirement plan.
IRA link 明明写着traditional IRA 的limited。 没有任何人一说。没有收入限制指applied没有workplace retirement plan 的人。 Here are the traditional IRA phase-out ranges for 2021: $66,000 to $76,000 – Single taxpayers covered by a workplace retirement plan. $105,000 to $125,000 – Married couples filing jointly. This applies when the spouse making the IRA contribution is covered by a workplace retirement plan. $198,000 to $208,000 – A taxpayer not covered by a workplace retirement plan married to someone who's covered. $0 to $10,000 – Married filing a separate return. This applies to taxpayers covered by a workplace retirement plan.
rime 发表于 2021-12-25 21:57
这里是deduction for contributions to a traditional IRA的phase out。 成年人仍然可以contribute 6k，但是能不能deduct，可以deduct多少，要依据这个细则。
Modified AGI limit for traditional IRA contributions increased. For 2021, if you are covered by a retirement plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is: More than $105,000 but less than $125,000 for a married couple filing a joint return or a qualifying widow(er), More than $66,000 but less than $76,000 for a single individual or head of household, or Less than $10,000 for a married individual filing a separate return.
这里是deduction for contributions to a traditional IRA的phase out。 成年人仍然可以contribute 6k，但是能不能deduct，可以deduct多少，要依据这个细则。
Modified AGI limit for traditional IRA contributions increased. For 2021, if you are covered by a retirement plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is: More than $105,000 but less than $125,000 for a married couple filing a joint return or a qualifying widow(er), More than $66,000 but less than $76,000 for a single individual or head of household, or Less than $10,000 for a married individual filing a separate return.
今非昨 发表于 2021-12-26 13:52
我的理解也是这样的。 如果是non-deductible contribution，要记得file 8606，然后一直保留记录，否则从IRA 取钱的时候有得交一次income tax，这部分会被重复收税。 正常情况下，很少有人做non-deductible contribution to IRA, 因为bookkeeping繁琐复杂，不小心会被重复收税。而且regular brokerage 账户可以有tax loss harvesting, IRA不行
如Traditional IRA和401K同时存在，则两个账户存款总和上限既要符合Traditional IRA账户存款不得超过$6000(满50岁则是$7000)的要求,也要符合两个退休金账户上限总和不超过$19,500（2020）。
我401k 已经存满了19,500
Can I max out a 401k and an IRA in the same year? The limits for 401(k) plan contributions and IRA contributions do not overlap. As a result, you can fully contribute to both types of plans in the same year as long as you meet the different eligibility requirements.
看了拜登和民主党的BBB计划通不过国会了，过了年赶尽把2022年得backdoor Roth 做了
of course. two different animals. you can do traditional (but likely not tax deductible) or even backdoor roth.
Traditional ira也可以，只是大概率不能放pre-tax的钱。
如果你401K投满了，你往traditional IRA里投的不能用来抵conversion税，但是还可以做backdoor conversion。
IRA有收入限制，估计华人大概率收入超标。。。
https://www.irs.gov/newsroom/new-income-ranges-for-ira-eligibility-in-2021
收入有限制是指超过多少钱就不可以存Roth IRA账户了么？
对的，我查过，要看收入的，也有FA这么给我说的。
1、任何人都可以放ira，没有收入限制 2、放入ira的钱是否可以deduct，要看收入以及401k
不可以直接存Roth IRA
IRA link 明明写着traditional IRA 的limited。 没有任何人一说。没有收入限制指applied没有workplace retirement plan 的人。
Here are the traditional IRA phase-out ranges for 2021: $66,000 to $76,000 – Single taxpayers covered by a workplace retirement plan. $105,000 to $125,000 – Married couples filing jointly. This applies when the spouse making the IRA contribution is covered by a workplace retirement plan. $198,000 to $208,000 – A taxpayer not covered by a workplace retirement plan married to someone who's covered. $0 to $10,000 – Married filing a separate return. This applies to taxpayers covered by a workplace retirement plan.
这里是deduction for contributions to a traditional IRA的phase out。
成年人仍然可以contribute 6k，但是能不能deduct，可以deduct多少，要依据这个细则。
Modified AGI limit for traditional IRA contributions increased. For 2021, if you are covered by a retirement plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is: More than $105,000 but less than $125,000 for a married couple filing a joint return or a qualifying widow(er), More than $66,000 but less than $76,000 for a single individual or head of household, or Less than $10,000 for a married individual filing a separate return.
我的理解也是这样的。
如果是non-deductible contribution，要记得file 8606，然后一直保留记录，否则从IRA 取钱的时候有得交一次income tax，这部分会被重复收税。
正常情况下，很少有人做non-deductible contribution to IRA, 因为bookkeeping繁琐复杂，不小心会被重复收税。而且regular brokerage 账户可以有tax loss harvesting, IRA不行
你问错了问题，”存”有几种意思，有的允许，有的不允许，请你仔细从头仔细学一遍才会明白