就是把401k里的钱转成rothIRA,转时交税,以后增益不交税。转时交的税Principal为啥说22%呢?要是按当年收入算可能高得多。
要取钱的话,要65岁以上而且钱在该账号里放了5年。
Assuming the ROTH account is more than 5 years old.
22% tax rate might be just an estimate, you know your top tax bracket and you should pay at least that, if not more.
paycheck 扣钱 -》after tax 401k -〉当天转入 Roth 401k
很多tech 公司有这个算是员工福利,当然明年估计就都没了
最后还要看social security income的高低。如果收入超过限额SSI最高85%部分要上税,为降低收入就需要尽量从免税账户获取退休收入,免税账户包括Roth IRA和人寿保险账户等。
对这个复杂的问题,你提供的信息太少,不好判断。
https://bbs.wenxuecity.com/retirement-account/1507617.html
pre tax 401k convert to Roth ira 的税率是由当年income决定的,&there is no principal vs gain. The converted amount is taxed as earned income.
就是把401k里的钱转成rothIRA,转时交税,以后增益不交税。转时交的税Principal为啥说22%呢?要是按当年收入算可能高得多。
要取钱的话,要65岁以上而且钱在该账号里放了5年。
Assuming the ROTH account is more than 5 years old.
22% tax rate might be just an estimate, you know your top tax bracket and you should pay at least that, if not more.
paycheck 扣钱 -》after tax 401k -〉当天转入 Roth 401k
很多tech 公司有这个算是员工福利,当然明年估计就都没了
最后还要看social security income的高低。如果收入超过限额SSI最高85%部分要上税,为降低收入就需要尽量从免税账户获取退休收入,免税账户包括Roth IRA和人寿保险账户等。
对这个复杂的问题,你提供的信息太少,不好判断。
https://bbs.wenxuecity.com/retirement-account/1507617.html
pre tax 401k convert to Roth ira 的税率是由当年income决定的,&there is no principal vs gain. The converted amount is taxed as earned income.