请问Traditional IRA 有没有收入的限制。似乎高于130K后,无法 Tax Deduction,那不是相当于以后拿出时重复交税了吗?
Thanks
另外m 由于我曾把401K转出来了,所以如果转成Roth IRA的话,需要一次交很多税
But there is a solution: http://skloff.com/iras-avoid-double-taxation-on-withdrawals-080116/
Use IRS form 8606 for good record keeping. When you withdraw principal without earning, it is tax free.
when you covert it to Roth, you also need this contribution base to avoid tax.
但你或者CPA要track. Turbo tax 也会track. 有理财师的话,好的FA也会帮你track. 很多人的IRA里面有pre-tax and after-tax 的$$, 取出或部分转ROTH 时按proportion 算taxable income
不会存在double tax 的情况
请问Traditional IRA 有没有收入的限制。似乎高于130K后,无法 Tax Deduction,那不是相当于以后拿出时重复交税了吗?
Thanks
另外m 由于我曾把401K转出来了,所以如果转成Roth IRA的话,需要一次交很多税
But there is a solution: http://skloff.com/iras-avoid-double-taxation-on-withdrawals-080116/
Use IRS form 8606 for good record keeping. When you withdraw principal without earning, it is tax free.
when you covert it to Roth, you also need this contribution base to avoid tax.
但你或者CPA要track. Turbo tax 也会track. 有理财师的话,好的FA也会帮你track. 很多人的IRA里面有pre-tax and after-tax 的$$, 取出或部分转ROTH 时按proportion 算taxable income
不会存在double tax 的情况