我说的是“ROLL OVER IRA” ， 也是税前的。 majia666 发表于 2025-06-05 12:32
a rollover IRA isn''t technically a different type of IRA. It''s a traditional IRA or Roth IRA that''s specifically used to consolidate retirement funds from an employer-sponsored retirement plan, like a 401(k), into a single account. The key difference is that a rollover IRA is typically used to keep assets from an employer plan separate from personal contributions to a traditional or Roth IRA. If it is not a Roth IRA, it is then a Traditional IRA from tax perspective.
Key diffs I know of: 1. 401k is shielded from creditors and IRA is not 2. Spouse is the default beneficiary of an 401k and the spouse'''' signature is required to change it to anyone else. On the other hand, The owner of an IRA can designate anyone as the beneficiary without the spouse''''s written consent.
rapida 发表于 2025-06-05 16:07 Key diffs I know of: 1. 401k is shielded from creditors and IRA is not 2. Spouse is the default beneficiary of an 401k and the spouse'''' signature is required to change it to anyone else. On the other hand, The owner of an IRA can designate anyone as the beneficiary without the spouse''''s written consent.
我还是转到“ROLL OVER IRA”， 是税前的。
这个具体怎么算 我最近有一笔旧公司的401k转成IRA，打算过一阵子并回新公司的401K。这样我的backdoor不需要交税了吧
以后不能做back door Roth conversion了，计算税要prorate很麻烦
backdoor roth will be greatly impacted.
我说的是“ROLL OVER IRA” ， 也是税前的。
印象中好像法律上对401k的保护更强些。 另外通常公司的401k投资的选择比较少，而IRA的投资选择会多很多。
a rollover IRA isn''t technically a different type of IRA. It''s a traditional IRA or Roth IRA that''s specifically used to consolidate retirement funds from an employer-sponsored retirement plan, like a 401(k), into a single account. The key difference is that a rollover IRA is typically used to keep assets from an employer plan separate from personal contributions to a traditional or Roth IRA.
If it is not a Roth IRA, it is then a Traditional IRA from tax perspective.
这是 ”ROLLOVER IRA“，是专门转401K 用的， 你说的这两点也适用吗？
是的。楼主对Rollover IRA (税前，实际跟traditional IRA一个性质) 和 backdoor Roth conversion 根本没概念，先做做功课吧，或者跟前面有人说的那样，转去新公司的401k吧，这样不耽误以后做 back door。