刚在文学城“博客精选”栏目浏览到博主菲儿天地的文章《存了太多退休账户的钱怎么办？》；文章值得一读，而在给这篇文章的留言中的zhshqg网友的分享令人思考，使我想起30多年前给我们提供投资股市建议的一位美国长者朋友说的话“time in the market is more important than timing the market “。我是相信这位网友的分享，但对是否转Roth IRA与他有不同的看法。
How do I make charitable donations from my 401(k)?
Direct donations from a 401(k) to charity on a tax favored basis are not possible. However, direct donations to charities from IRAs, called Qualified Charitable Distributions, are permitted. There are a few requirements to make those donations completely tax-free, chief among them is you must be 70½ years old at the time of the donation.
If you want to make a QCD but do not have an IRA, you will first need to get money into an IRA. The most common methods are to transfer retirement accounts from a former employer to an IRA or, if allowed by your current plan, perform an in-service distribution and transfer some of your active 401(k) funds to an IRA account. Your plan’s Summary Plan Description will say if in-service distributions are permitted.
Once funds are in an IRA there are a few requirements to get the tax break:
You can donate to as many charities as you like as often as you like up to a total of $100,000 per taxpayer, per year. With planning, a couple can donate up to $200,000 in a tax year. The checks must be made payable to the charities. The charities must be 501(c)3 public charities. You must be at least 70½ years old at the time of the donation. If you have made deductible contributions to the IRA since turning 70½, those contributions will cause the donations to be taxed until all of those post 70½ contributions have come out of the account.
Facilitating a QCD is fairly simple: request a distribution form from the provider holding your IRA. Most IRA providers will give you the option to have the check mailed to the charity or to you, so that you can present the check in a more personal manner. Remember, regardless of where the check is mailed, the check should be made payable to the charity, not to you.
Alternatively, many IRA providers will provide a checkbook on the IRA for QCD purposes. Just make sure the charity cashes the check before December 31, so the donation is properly included on the 1099-R the provider will issue.
刚在文学城“博客精选”栏目浏览到博主菲儿天地的文章《存了太多退休账户的钱怎么办？》；文章值得一读，而在给这篇文章的留言中的zhshqg网友的分享令人思考，使我想起30多年前给我们提供投资股市建议的一位美国长者朋友说的话“time in the market is more important than timing the market “。我是相信这位网友的分享，但对是否转Roth IRA与他有不同的看法。
不然每年RMD越来越高，要交的税也越来越高
教训啊！退休账户还是不要存太多为好！ - 猛牛发表于 投资理财 - 论坛 | 文学城 (wenxuecity.com)
啊哈哈哈。。。。。。。。。。。。。。
不能什么好事都不拉下，一点成本都不花
讲ROTH Conversion 的事。 这也是在看到几位硅谷40多岁码工的401K 已到几米，才壮起鼠胆提了提ROTH Conversion，这个动作的本身就是提前交税。 而且对于未来的税率的预判是涨。
https://moisandfitzgerald.com/how-do-i-make-charitable-donations-from-my-401k/
How do I make charitable donations from my 401(k)?Direct donations from a 401(k) to charity on a tax favored basis are not possible. However, direct donations to charities from IRAs, called Qualified Charitable Distributions, are permitted. There are a few requirements to make those donations completely tax-free, chief among them is you must be 70½ years old at the time of the donation.
If you want to make a QCD but do not have an IRA, you will first need to get money into an IRA. The most common methods are to transfer retirement accounts from a former employer to an IRA or, if allowed by your current plan, perform an in-service distribution and transfer some of your active 401(k) funds to an IRA account. Your plan’s Summary Plan Description will say if in-service distributions are permitted.
Once funds are in an IRA there are a few requirements to get the tax break:
You can donate to as many charities as you like as often as you like up to a total of $100,000 per taxpayer, per year. With planning, a couple can donate up to $200,000 in a tax year. The checks must be made payable to the charities. The charities must be 501(c)3 public charities. You must be at least 70½ years old at the time of the donation. If you have made deductible contributions to the IRA since turning 70½, those contributions will cause the donations to be taxed until all of those post 70½ contributions have come out of the account.Facilitating a QCD is fairly simple: request a distribution form from the provider holding your IRA. Most IRA providers will give you the option to have the check mailed to the charity or to you, so that you can present the check in a more personal manner. Remember, regardless of where the check is mailed, the check should be made payable to the charity, not to you.
Alternatively, many IRA providers will provide a checkbook on the IRA for QCD purposes. Just make sure the charity cashes the check before December 31, so the donation is properly included on the 1099-R the provider will issue.