楼主 (北美华人网)
记得以前看的是一能convert要立马convert, 这样不会产生利息让事情复杂。但是现在看到一个说法，，We recommend you consider doing this step several months after you contribute to your IRA. The reason for this is that the U.S. Tax Court follows a rule called the Step-Transaction Doctrine, which sounds really boring. Essentially this doctrine says that if you do all of these steps consecutively (contribute to a Traditional IRA, and then convert it to a Roth the next day), they will see it as one single transaction. In this case, that would mean you are contributing to a Roth IRA when you are no longer allowed to, and they will slap a penalty on this transaction. （https://districtcapitalmanagement.com/roth-ira-hack/ ）。 有做税的姐妹说说，立刻转会引发这种问题吗？谢啦！