又是请教IRA, 多谢!

石榴
楼主 (文学峸)

Fidelity 里有几年的traditional IRA 忘了转去backdoor Roth IRA, 打算年初一并转去backdoor Roth IRA, file 2023 的tax. 但是注意到Fidelity 里显示2023 IRA contribution $0 left. 有以下几个问题:

1. Fidelity 里面针对IRA limit 不是针对backdoor IRA. Yes or no?
2. 只要file8066,可以转more than 1x traditional IRA 去back door Roth IRA. Yes or no?

柠檬椰子汁
Reply

Fidelity 里有几年的traditional IRA 忘了转去backdoor Roth IRA, 打算年初一并转去backdoor Roth IRA, file 2023 的tax. 但是注意到Fidelity 里显示2023 IRA contribution $0 left.

First, don't call it "backdoor ROTH IRA".  It is just normal ROTH IRA conversion.  

有以下几个问题:

1. Fidelity 里面针对IRA limit 不是针对backdoor IRA. Yes or no?

Yes

2. 只要file8066,可以转more than 1x traditional IRA 去back door Roth IRA. Yes or no?

You can convert unlimited amount in your traditional IRA to ROTH IRA.  No matter your tradtional IRA was tax deductible or not.  You can convert all of your tradtional IRA account balance, contribution over multiple years, over to ROTH IRA in one single conversion.  

 

八卦煮九
每次刚以为自己明白了,马上就有帖子让我糊涂了:请问为什么“don’t call it backdoor roth”?
石榴
多谢!那么将来withdraw Roth IRA 时, 需要做什么来表明当初是从after从 after tax
C
CatcherInTheRye
backdoor是直接直存after-tax contribution, 不是convert existing TIRA
八卦煮九
谢谢!那就是说,l楼主的Ira 是pre tax,所以不是后门?如果是after tax Ira,就是后门?
八卦煮九
你现在的traditional Ira,是税前的还是税后的?如果已经在Roth 里了,取钱不需要证明吧?
k
kitfrommars
Convert的时候不产生tax, 才算是后门
石榴
税后
八卦煮九
楼主Ira 里面是税后的钱, 转去Roth 不用再交税了吧?算走后门吗?真晕。谢谢
C
CatcherInTheRye
是的,转到ROth的目的是以后的收益不用交税
八卦煮九
从Roth 取钱, 没听说还要证明的. 年终1099 上,有一格是non taxable distribution
八卦煮九
哦,现在好像明白了,不过下一个贴有可能把我再次搞晕
柠檬椰子汁
Backdoor ROTH contribution vs. IRA conversion

IRA conversion means: convert from your traditional IRA money to your ROTH IRA account.  You can do this any time, for any amount.  There might be tax involved.  But IRA conversion is a legal concept, not a financial trick. 

Backdoor ROTH IRA contribution:  this is a legal/financial trick.  It involved two steps: (1) contribute to your tradtional IRA (up to an annual limit); (2) convert your tradtional IRA contribution in (1) into your ROTH IRA account, using the legal concept of IRA conversion.   Because it involves (1) contribute to your tradtional IRA, the "backdoor ROTH IRA contribution" has deadline and amount limit.  

Some of the "backdoor IRA" people are talking about on this forum is merely just IRA conversion.   

 

y
yuanshangdu
画个图解释一下俺的理解

a) 如果收入高,不能直接向1里面放钱;但可以间接放钱,这也就是所谓的后门(Backdoor Roth Conversion)。

b)如果有2、没有3,把钱从2搬到1,本金不交税(因为已经交过了),收益(应该很少)交税。

c) 如果有3、没有2,把钱从3搬到1,本金需要交税,收益也需要交税。很多人计划退休后收入降低时,有计划地这样做,从而到达降低(多年)交税总和。

d) 如果2和3都有, 这个就比较复杂,需要根据Prorata的规则去计算。

俺的理解,如果有不准确的地方,请指正。

石榴
大谢了!