提前取529 如果没有gain 还有penalty吗

i
iloveapplebeez
楼主 (北美华人网)
家里急需用钱,想从529里拿。想大家confirm一下我的解读。gain的部分,需要交capital gain的税,而且还有10%的penalty。那没有gain是不是什么都不用交? 我前两年存了两万进去,现在一看,一万九千多。这一万九千多是不是可以直接取出来,不用交任何税和罚款?
m
meimei12
loss应该还可以报,不过你的loss不多,到不了收入的2%。
y
yayavino
我正想问这个问题! 谢谢楼主,我是两个Option,要不拿IRA的钱,要不拿529的,我自己更愿意拿IRA。
i
iloveapplebeez
顶一下。有大牛解答一下吗
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meishan123
你能不能从401ktake a loan? 也是个option.
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SunsetForest
我觉得应该有penalty,因为你当初存的时候拿了tax credit。 找存529的地方问问吧。
B
Binbing
https://www.investopedia.com/news/penaltyfree-way-get-529-money-back/#:~:text=Contributions%20to%20529%20plans%20are,contributions%20without%20taxes%20or%20penalties.
Contributions to 529 plans are not eligible for a federal tax deduction, so they represent money that has already been taxed. As a result, account owners (typically parents) can withdraw any part of their original contributions without taxes or penalties.
i
iloveapplebeez
https://www.investopedia.com/news/penaltyfree-way-get-529-money-back/#:~:text=Contributions%20to%20529%20plans%20are,contributions%20without%20taxes%20or%20penalties.
Contributions to 529 plans are not eligible for a federal tax deduction, so they represent money that has already been taxed. As a result, account owners (typically parents) can withdraw any part of their original contributions without taxes or penalties.
Binbing 发表于 2023-05-03 21:01

Wow. Thanks!
W
Water123
回复 1楼iloveapplebeez的帖子
本金不要交罚金,gain要交罚金