Contributions to a Roth IRA can be made up until tax filing day of the following year. So contributions to a Roth IRA for 2021 can be made through the deadline on April 15, 2022, for filing income tax returns. Obtaining an extension of time to file a tax return does not give you more time to make an annual contribution.10?
炒股小白， 今年比较运气， 赚了点小钱（2万），不能和这里的大户相比。问题来了，这个算capital Gain还是算income，怎么交税（%）？大家都是怎么避税， 请各位大拿给出点主意， 非常感谢。
我自己想买 IRA， 查了一下感觉我买Roth IRA 好像比较好，收入限制能满足，contribution 部份随时可以取，earning 的部份不用上税。没买过有几个问题问一下大家，
1.是不是直接在investing company 开个帐户买？
2 Roth IRA 是税后的contribution， 那就是说用税后工资直接investing company 购买？
3. 2019 报税 deadline 7/15/20 ，如果在这之前买可不可以算2019 Roth IRA， 还是必须4/15/20 之前买算2019 Roth IRA？
万分感谢！
如果这些都不懂，你还是找人报税吧
过去是要你自己算，现在你的证券公司直接帮你算好一式两份报税务局了。
至于你买啥IRA，和你的股票收入无关，因为你这个投资收入如果不是长期投资是算入你的income的。但是你赔了却不能从income里扣除，一年只能扣3000.大家只知道我说过我一年股市补税28万，没有听我说过我还有一年亏了20多万。
开IRA账户证券公司应该都可以。
我说的不一定对因为我从来都是找会计师报税。
Contributions to a Roth IRA can be made up until tax filing day of the following year. So contributions to a Roth IRA for 2021 can be made through the deadline on April 15, 2022, for filing income tax returns. Obtaining an extension of time to file a tax return does not give you more time to make an annual contribution.10?
就算做股票也不让你用margin，省那点税完全划不来，所以我和你一样，除了401装满，其它不管。
https://www.marketwatch.com/story/there-are-only-5-days-left-to-get-this-tax-smart-retirement-benefit-11594391421?siteid=yhoof2&yptr=yahoo
1.是不是直接在investing company 开个帐户买？
Yes. open a Roth IRA at Vanguard, or Fidelity, or Charles Schwab.
2 Roth IRA 是税后的contribution， 那就是说用税后工资直接investing company 购买？
There is a income and contribution limit for Roth IRA, if you qualify, then just put the money into your Roth IRA account, start investing.
https://www.irs.gov/retirement-plans/roth-iras
3. 2019 报税 deadline 7/15/20 ，如果在这之前买可不可以算2019 Roth IRA， 还是必须4/15/20 之前买算2019 Roth IRA？
You can fund your 2019 Roth before 7/15/2020.