you have to pay income tax on the amount from 401k or traditional ira. You can withdraw contributions from Roth for college tuition to avoid income tax.
you have to pay income tax on the amount from 401k or traditional ira. You can withdraw contributions from Roth for college tuition to avoid income tax. decadence 发表于 2023-01-31 10:45
The restrictions include: A $35,000 lifetime cap on transfers. Rollovers are subject to the annual Roth IRA contribution limit. (The limit is $6,500 in 2023.) The rollover can only be made to the beneficiary’s Roth IRA — not that of the account owner. (In other words, a 529 owned by a parent with the child as beneficiary would need to be rolled into the child’s IRA, not the parent’s.) The 529 account must have been open for at least 15 years. (It seems changing account beneficiaries may restart that 15-year clock, Levine said.) Accountholders can’t roll over contributions, or earnings on those contributions, made in the last five years.
The restrictions include: A $35,000 lifetime cap on transfers. Rollovers are subject to the annual Roth IRA contribution limit. (The limit is $6,500 in 2023.) The rollover can only be made to the beneficiary’s Roth IRA — not that of the account owner. (In other words, a 529 owned by a parent with the child as beneficiary would need to be rolled into the child’s IRA, not the parent’s.) The 529 account must have been open for at least 15 years. (It seems changing account beneficiaries may restart that 15-year clock, Levine said.) Accountholders can’t roll over contributions, or earnings on those contributions, made in the last five years.
"Starting in 2024, Americans can roll over unused 529 funds into a beneficiary's Roth IRA with no penalty." 意思是存在529的钱到时可以成了小朋友的roth IRA。 freekenny 发表于 2023-01-31 11:03
存529没什么benefit为啥要存？
仔细琢磨一下其实529真不算鸡肋，档次至少也是鸡脖子。有储蓄投资功能，可免当年收入税，可免投资增值分红税，还可无缝传递到孙悲，如果夫妻孩子要的早的话，这个选项简直完美。
展开说说呢？
这问题问的。growth免税，和roth IRA一个道理。
是这个理。基本等于Roth IRA，缺点是用途有限。
当年收入税不能免。SORRY。 投资增值税529是完全免的。但是花费必须在教育上。 夫妻每年可限额存储。子女用不完还可以传递给子女下一代。 生娃早的，比如20出头左右，到了40岁，取401就不如用529方便了。 还有一个小小优势，就是529的钱有1W可以付私校学费，这个1W是免税的。（虽然这条我现在还没整明白是怎么算的。。。）
roth 是税后的钱存了吧？当然不用再交income tax 了
免当年收入税？
联邦收入税应该没得免的
笔误。。。SORRY 但是相对而言，没有好的投资渠道，529跟ROTH 各有千秋。甚至比ROTH还略胜半筹得感觉。
免税
无州税的地方没什么tax benefit呀
但收不收6500一年的限制？
对有部分人，所有401k IRA HSA Coverdale 等等全放足了，529是下一个收益免税的投资选择
529可以转roth ira了
存529的也不知道挣了几个钱。。投资选项有限。
好像记得上限很低，所以还是不好
可是我的Roth IRA 去年赔了不少 还是要懂投资才行吧……
存入529后增值部分不要缴联邦税，为啥没有tax benefit？
限制还是挺多的。相当于我现在给十五年后的孩子存roth ira。
讲真把孩子养大，给付大学学费，已经可以了。我不打算再拿我自己的退休金，填给他们的退休账户了。
前提是roth还能存。有的roth 存不了才存529。苍蝇肉也是肉
不是可以back door吗？
确实没用啊，反正当年收入又不免税，哪年需要交学费工资里出呗。
等同于教育专用的ROTH吧
哇 这个是新出的吧？那太好了，应该多多存起来。
没有ROTH广泛灵伙。大部分州不能免州税的。如果可免当然更应该村。
那只有6K。MEGA BACK DOOR大部分用不了。
学习了