If you elect to open an IRA (traditional or ROTH) account with the same brokerage who manages your 401K, your IRA account would still be separate even though you can view both your 401K and your IRA on the same account summary screen.
Is that what you mean by "公司的401里的conventional 和Roth 怎么区分啊， 好像是在一起的。"
You can elect to create IRA accounts with a different brokerage from the ones who manages your 401K. that will completely distinguish them. But it is not necessary.
Here are the traditional IRA phase-out ranges for 2021: $66,000 to $76,000 – Single taxpayers covered by a workplace retirement plan. $105,000 to $125,000 – Married couples filing jointly. This applies when the spouse making the IRA contribution is covered by a workplace retirement plan. $198,000 to $208,000 – A taxpayer not covered by a workplace retirement plan married to someone who's covered. $0 to $10,000 – Married filing a separate return. This applies to taxpayers covered by a workplace retirement plan. Here are the income phase-out ranges for taxpayers making contributions to a Roth IRA: $125,000 to $140,000 – Single taxpayers and heads of household. $198,000 to $208,000 – Married, filing jointly. $0 to $10,000 – Married, filing separately.
通货膨胀厉害，不能有太多闲钱。
公司的401里的conventional 和Roth 怎么区分啊， 好像是在一起的。
If you elect to open an IRA (traditional or ROTH) account with the same brokerage who manages your 401K, your IRA account would still be separate even though you can view both your 401K and your IRA on the same account summary screen.
Is that what you mean by "公司的401里的conventional 和Roth 怎么区分啊， 好像是在一起的。"
You can elect to create IRA accounts with a different brokerage from the ones who manages your 401K. that will completely distinguish them. But it is not necessary.
想确认它无关，我可以在401满了后再投5500IRA。
自己到图书馆借几本书看，不要东问西问把我们都问歪了，你问题问不对答案也会跟着错，知道吧？
在401放满的情况下，能否再用IRA减少5500应税收入？
像柠檬说的，是两个不一样的 accounts.
报税公司只根据提供文件报税，对税务有利的部分他们并没有全部告知，我要自己发掘。关键是中国人能囤钱， 呵呵！
Here are the traditional IRA phase-out ranges for 2021: $66,000 to $76,000 – Single taxpayers covered by a workplace retirement plan. $105,000 to $125,000 – Married couples filing jointly. This applies when the spouse making the IRA contribution is covered by a workplace retirement plan. $198,000 to $208,000 – A taxpayer not covered by a workplace retirement plan married to someone who's covered. $0 to $10,000 – Married filing a separate return. This applies to taxpayers covered by a workplace retirement plan. Here are the income phase-out ranges for taxpayers making contributions to a Roth IRA: $125,000 to $140,000 – Single taxpayers and heads of household. $198,000 to $208,000 – Married, filing jointly. $0 to $10,000 – Married, filing separately.