Roth IRA 提问

我是前段时间contribute 6000块 到 2021年的Roth IRA. 重点是我们家21年报税已经超过了maximum contribute line. 所以我们不符合2021年的roth IRA. 我自己查到的是如果early withdraw before 59岁 我要被罚款10%. 最近这两天ETF全都跌了 我这6000基本没赚钱 完事我21年的报税 已经交了这6000块Roth ira的税了 这就是我的基本情况 我现在该怎么做 可以把损失降到最低 谢谢大家！

ask your Roth IRA company to return of excess contribution

报税时如果已经交了roth IRA的税，那就放着吧，老了以后再取出来就可以了。不要在意暂时的得失，几十年后才用的钱就需要把目光放长远

Ask your IRA company to do a recharacterization to traditional IRA. The contribution is not eligible for tax deduction in this case.

一定要拿出来，否则每年报税都会被罚款一次，直到你拿出来这笔钱为止。他们自己有个算法，除了拿出来这6000本金，他们还会给你计算收益，然后10%的罚款是基于这个收益的。这个收益并不是看你这6000存进来后具体的收益，而是根据你IRA账户里21年的整体收益并按照本金6000的比例来计算。所以你肯定会吃亏，否则怎么叫penalty。另外，存入roth ira的钱本身就是税后的钱，报税的时候怎么还报这6000块的税？除非你是converted from traditional IRA to Roth IRA

你可以去YouTube 上看一个博主 跟我一起来谈钱 第277期 说的就是你这种情况 我不知道怎么弄链接 你搜一下就能搜到

回复 5楼果小小的帖子
小小 你说的这个钱要拿出来 是本金加收益吗? 6000块的roth 不是21年报税的时候就应该交这笔钱的税吗?

回复 6楼iochocolate的帖子
我就是看的那期视频才想到 我21年不符合roth IRA 所以想说我会有麻烦 因为我不符合Roth ira 但是我存了6000块进去

回复 5楼果小小的帖子
小小 你说的这个钱要拿出来 是本金加收益吗? 6000块的roth 不是21年报税的时候就应该交这笔钱的税吗?
nzy126 发表于 2022-04-26 21:39

对，本金加收益。你在哪里开的户，去他们网站上找，一般自己填个表，他们会自动帮你计算收益后将本金及收益转到你的银行账户。然后报税前他们会给你一张表，那张表就是你需要在报税时候缴纳的收益*10%的税。另外，你如果不是在报税之前把钱取出来的，还要交一笔6%的罚金。
另外，存入roth 的钱已经是税后的了。

回复 1楼nzy126的帖子
https://www.irs.gov/publications/p590a#en_US_2021_publink1000231024
Withdrawal of excess contributions. For purposes of determining excess contributions, any contribution that is withdrawn on or before the due date (including extensions) for filing your tax return for the year is treated as an amount not contributed. This treatment only applies if any earnings on the contributions are also withdrawn. The earnings are considered earned and received in the year the excess contribution was made. If you timely filed your 2021 tax return without withdrawing a contribution that you made in 2021, you can still have the contribution returned to you within 6 months of the due date of your 2021 tax return, excluding extensions. If you do, file an amended return with “Filed pursuant to section 301.9100-2” written at the top. Report any related earnings on the amended return and include an explanation of the withdrawal. Make any other necessary changes on the amended return.
你要是要是在交税日之前withdraw. 一点罚款都不会有的. 现在就麻烦点了.

你如果还没有contribute 2022年的roth，你可以叫他们carry forward这6000到2022，roth to roth。

回复 1楼nzy126的帖子
https://www.irs.gov/publications/p590a#en_US_2021_publink1000231024
Withdrawal of excess contributions. For purposes of determining excess contributions, any contribution that is withdrawn on or before the due date (including extensions) for filing your tax return for the year is treated as an amount not contributed. This treatment only applies if any earnings on the contributions are also withdrawn. The earnings are considered earned and received in the year the excess contribution was made. If you timely filed your 2021 tax return without withdrawing a contribution that you made in 2021, you can still have the contribution returned to you within 6 months of the due date of your 2021 tax return, excluding extensions. If you do, file an amended return with “Filed pursuant to section 301.9100-2” written at the top. Report any related earnings on the amended return and include an explanation of the withdrawal. Make any other necessary changes on the amended return.
你要是要是在交税日之前withdraw. 一点罚款都不会有的. 现在就麻烦点了.


yayapig 发表于 2022-04-26 21:48

交税日之前取出来只会交early distribution的罚款，也就是earnings*10%, 不会交contribution 那个6%的罚款

21年的税会计师还没给我报 延期了 因为我人在中东出差 会计师只是给我看的1040 上面是有这6000块的税 所以现在我是要把所有的钱都取出来是吧 也包括这6000生出来的利益 完事再去交罚金 这是我的理解

应该做backdoor roth ira。

我干过一次差不多的，不过是traditional IRA, 解决办法是给IRA公司打电话，要求改成下一年的，然后我下一年收入少了正好可以报的。