现在back door Roth IRA (2021)还来的及吗

p
peachcomb
楼主 (北美华人网)
有fidelity的投资账户和traditional Ira 账户,但是还没开Roth Ira 账户。
现在存6000进traditional Ira,同时开个Roth ira account (开户要很久吗?),然后,能立刻转吗?
作为2021年的back door Roth IRA, 还来的及吗?
l
leilei
先开Roth Ira account , 然后搞清楚fidelity 做convert 是自己可以做,还是要要打电话进去人工做。 boa 第一天 进钱,第二天才能转钱。都是在business day
t
trymeagain
一天之内搞定不大可能,除非你的帐号都已经准备好了,而且转账是同一个银行之间,一般immediately就available了。
大隐隐于市
我记得backdoor 必须12月31日之前
q
qiulili15
和401K可以同时使用吗
L
Lilyatfield
供参考: 如果你不被允许用这$6000 IRA contribution抵2021年的联邦收入税,你是否考虑File 8606 Form 把这$6000 变成nondeductible contributions,这笔钱将被留在同一TRAD IRA账户下,不用转其他IRA账户。你就不用担心来不及OPEN ROTH IRA ACCOUNT 了。前几天一个华人网网友说他前几年是这么做的。我搜索的以下相关网站供你参考。
Form 8606 for nondeductible contributions Any money you contribute to a traditional IRA that you do not deduct on your tax return is a “nondeductible contribution.” You still must report these contributions on your return, and you use Form 8606 to do so. Reporting them saves you money down the road. That’s because no individual’s money is supposed to be subject to federal income tax twice. Form 8606 gets it “on the record” that a portion of the money in your IRA has already been taxed. Later on, when you take distributions, a portion of the money you get back will not be subject to income tax.
What is IRS Form 8606: Nondeductible IRAs - TurboTax Tax Tips & Videos (intuit.com)

f
freemefly
供参考: 如果你不被允许用这$6000 IRA contribution抵2021年的联邦收入税,你是否考虑File 8606 Form 把这$6000 变成nondeductible contributions,这笔钱将被留在同一TRAD IRA账户下,不用转其他IRA账户。你就不用担心来不及OPEN ROTH IRA ACCOUNT 了。前几天一个华人网网友说他前几年是这么做的。我搜索的以下相关网站供你参考。
Form 8606 for nondeductible contributions Any money you contribute to a traditional IRA that you do not deduct on your tax return is a “nondeductible contribution.” You still must report these contributions on your return, and you use Form 8606 to do so. Reporting them saves you money down the road. That’s because no individual’s money is supposed to be subject to federal income tax twice. Form 8606 gets it “on the record” that a portion of the money in your IRA has already been taxed. Later on, when you take distributions, a portion of the money you get back will not be subject to income tax.
What is IRS Form 8606: Nondeductible IRAs - TurboTax Tax Tips & Videos (intuit.com)


Lilyatfield 发表于 2022-04-16 23:19

Traditional IRAdeadline是 4月18日吗?
L
Lilyatfield
回复 5楼qiulili15的帖子
如MAGI在法律规定的范围内,是可以的。
For example:: In 2021 , For taxpayer is covered by a retirement plan at work , if the filing status is single individual and MAGI is equal or less than $66,000, the taxpayer gets full deduction.
还有更多,由于表格不能原版复制,详情请搜: IRA Contribution Limits | Fidelity






L
Lilyatfield
回复 7楼freemefly的帖子
Deadline 是 4/18。
L
Lilyatfield
Traditional IRAdeadline是 4月18日吗?

freemefly 发表于 2022-04-16 23:41

周一早晨给Fidelity 打个电话,说说你的情况需要做什么。你可以在ONLINE先建你的ROTH IRA 账户。 如来不及转到ROTH IRA for 2021,你至少可以告诉Fidelity你要这$6000 变成 NONDEDUCTIBLE TRAD IRA 2021. 我不确信FEDELITY 在convert to NONDEDUCTIBLE TRAD IRA 是否需要你为他们做些什么. 时间有些紧急,周一早点打电话 或明天找报税公司咨询一下。
t
trymeagain
周一早晨给Fidelity 打个电话,说说你的情况需要做什么。你可以在ONLINE先建你的ROTH IRA 账户。 如来不及转到ROTH IRA for 2021,你至少可以告诉Fidelity你要这$6000 变成 NONDEDUCTIBLE TRAD IRA 2021. 我不确信FEDELITY 在convert to NONDEDUCTIBLE TRAD IRA 是否需要你为他们做些什么. 时间有些紧急,周一早点打电话 或明天找报税公司咨询一下。
Lilyatfield 发表于 2022-04-17 01:46

为了避免明年出现类似情况,建议楼主一下弄12000进去,其中6000是今年2022 的contribution,明年你就轻松了。
f
freemefly
谢谢大家的建议。如果我可以开traditional IRA但是不用来抵税而是用大家所说的8606表报税的话,是不是就不用搞Roth IRA了?万一fidelity这边有什么问题可以Walk in自己的开户行开一个以后再转去fidelity吗?