1. Tax on all 10k (This is not "Rollover", rather "Roth conversion"). No need to sell the stocks for some brokers. 2. Contribute directly to ROTH if qualified. Otherwise, do "backdoor Roth".3. No tax or very little tax if doing "backdoor" Roth correctly. 4. It depends on the broker, which may or may not close an acct with 0 balance for a while.
1) after you roll over to Roth IRA, you will receive a tax form from your broker, the income will be $10k.
2) mixing after tax money with pretax money (traditional IRA) will make your tax reporting complicated. You will have to keep a record (form 8606 I believe) for each year you did so forever. You need all these 8606s to calculate your tax when you are old enough to start to use the money in the roth IRA account.
3) rolling the after tax contribution to a traditional IRA then roll this after tax part to a Roth IRA is also complicated. You will need to ask an tax accountant/CPA on this. There may be a loophole in terms of contributing more to a Roth IRA above legal limit.
Your question is a very complicated question. You probably need to pay some tax expert to figure it out, not asking here.
假如我现在只有一个tranditional IRA，里面有10k的balance，其中8k是一年前从前雇主
traditional 401k那转来的，全部投资了股票；2K是股票收益。
1.如果我现在把traditional IRA的股票卖了，然后把里面的10k全部rollover到ROTH
IRA，那我明年报税的时候就是报8k的收入税（income tax）和2w股票收益的资本税（
capital gain），是这样吧？
2.那我今年还能再contribute $6000 after-tax money到traditional IRA，然后再
rollover到Roth IRA吗？每年rollover到roth IRA的次数有限制吗？这一步应该不会产生
任何税务问题，对吧？
3.那接下来每一年，我就只要重复step 2一次，也不会产生任何税务问题，对吧？
4.另外，如果traditional IRA里面的钱是0，账号通常会不会被关了啊？那样每年都得重新
开一个，太麻烦了。
小白一枚，请各位大牛多不吝赐教。
看情况，
1）你总共有几个IRA accounts，如果合并报税，就要算上双方全部的IRA balance。
2）里面有没有after taxes contribution。
比如总共有4个IRA accounts，总balance 10万，其中2万是after taxes contribution。
那么如果转1万去Roth，pro rate之下，应该是8000算收入，2000是after tax
contribution，不算今年的收入。
我的理解是这样的，我自己没有转过Roth。
没有大牛回答一下吗?
【 在 heWG (我要减肥！！！) 的大作中提到: 】
: 假如我现在只有一个tranditional IRA，里面有10k的balance，其中8k是一年前从前雇主
: traditional 401k那转来的，全部投资了股票；2K是股票收益。
: 1.如果我现在把traditional IRA的股票卖了，然后把里面的10k全部rollover到ROTH
: IRA，那我明年报税的时候就是报8k的收入税（income tax）和2w股票收益的资本税（
: capital gain），是这样吧？
: 2.那我今年还能再contribute $6000 after-tax money到traditional IRA，然后再
: rollover到Roth IRA吗？每年rollover到roth IRA的次数有限制吗？这一步应该不会产生
: 任何税务问题，对吧？
: 3.那接下来每一年，我就只要重复step 2一次，也不会产生任何税务问题，对吧？
: 4.另外，如果traditional IRA里面的钱是0，账号通常会不会被关了啊？那样每年都得
: ...................
【 在 heWG (我要减肥！！！) 的大作中提到: 】
: 假如我现在只有一个tranditional IRA，里面有10k的balance，其中8k是一年前从前雇主
: traditional 401k那转来的，全部投资了股票；2K是股票收益。
: 1.如果我现在把traditional IRA的股票卖了，然后把里面的10k全部rollover到ROTH
: IRA，那我明年报税的时候就是报8k的收入税（income tax）和2w股票收益的资本税（
: capital gain），是这样吧？
: 2.那我今年还能再contribute $6000 after-tax money到traditional IRA，然后再
: rollover到Roth IRA吗？每年rollover到roth IRA的次数有限制吗？这一步应该不会产生
: 任何税务问题，对吧？
: 3.那接下来每一年，我就只要重复step 2一次，也不会产生任何税务问题，对吧？
: 4.另外，如果traditional IRA里面的钱是0，账号通常会不会被关了啊？那样每年都得
: ...................
1. Tax on all 10k (This is not "Rollover", rather "Roth conversion"). No
need to sell the stocks for some brokers.
2. Contribute directly to ROTH if qualified. Otherwise, do "backdoor Roth".3. No tax or very little tax if doing "backdoor" Roth correctly.
4. It depends on the broker, which may or may not close an acct with 0
balance for a while.
1) after you roll over to Roth IRA, you will receive a tax form from your
broker, the income will be $10k.
2) mixing after tax money with pretax money (traditional IRA) will make your tax reporting complicated. You will have to keep a record (form 8606 I
believe) for each year you did so forever. You need all these 8606s to
calculate your tax when you are old enough to start to use the money in the roth IRA account.
3) rolling the after tax contribution to a traditional IRA then roll this
after tax part to a Roth IRA is also complicated. You will need to ask an
tax accountant/CPA on this. There may be a loophole in terms of contributing more to a Roth IRA above legal limit.
Your question is a very complicated question. You probably need to pay some tax expert to figure it out, not asking here.
谢谢。
2.已经不能,直接contribute roth ira了,所以只能backdoor了。
conversion之后看起来每年再做backdoor的话很麻烦啊。
【 在 jx01(如冰) 的大作中提到: 】
: 雇主
: 产生
: 1. Tax on all 10k (This is not "Rollover", rather "Roth conversion"). No
: need to sell the stocks for some brokers.
: 2. Contribute directly to ROTH if qualified. Otherwise, do "backdoor Roth".
: 3. No tax or very little tax if doing "backdoor" Roth correctly.
: 4. It depends on the broker, which may or may not close an acct with 0
: balance for a while.
谢谢。
在roth这块，Tax experts估计还没版上的兄弟们搞的明白。呵呵
【 在 knrad(不错，我就是唐伯虎) 的大作中提到: 】
: 1) after you roll over to Roth IRA, you will receive a tax form from
your
: broker, the income will be $10k.
: 2) mixing after tax money with pretax money (traditional IRA) will
make your
: tax reporting complicated. You will have to keep a record (form 8606 I
: believe) for each year you did so forever. You need all these 8606s to
: calculate your tax when you are old enough to start to use the money
in the
: roth IRA account.
: 3) rolling the after tax contribution to a traditional IRA then roll
this
: after tax part to a Roth IRA is also complicated. You will need to ask an
: tax accountant/CPA on this. There may be a loophole in terms of
contributing
: ...................
1.如果我现在把traditional IRA的股票卖了，然后把里面的10k全部rollover到ROTH
IRA，那我明年报税的时候就是报8k的收入税（income tax）和2w股票收益的资本税（
capital gain），是这样吧？
不对，全部10k全算收入。要rollover应该当初就早早rollover，现在收益也要按
income交税。
最好办法是如果公司401k支持，就转到公司401k。
2.那我今年还能再contribute $6000 after-tax money到traditional IRA，然后再
rollover到Roth IRA吗？每年rollover到roth IRA的次数有限制吗？这一步应该不会产生
任何税务问题，对吧？
可以，只要contribute和rollover时全部traditional IRA账户里没钱就可以。不记得
可不可以转多次。
3.那接下来每一年，我就只要重复step 2一次，也不会产生任何税务问题，对吧？
不需要交税，但是每年需要多交一个表track这个contribution。
4.另外，如果traditional IRA里面的钱是0，账号通常会不会被关了啊？那样每年都得重新
开一个，太麻烦了。
一般不会被关。也不太可能是0，一般会给几分钱利息，放在里面不管即可。