b*****n
发帖数: 3774 | 1 刚刚在kiplinger看到一篇文章，说是2010年一般IRA可以转ROTH IRA，而且没有income
的限制。那对于那些收入超过限制无法contribute ROTH IRA的人，如果先投入一个non
deductible的IRA，然后转入ROTH，不就行了吗？
考虑漏了什么呢？
谢谢。 |
|
s*******8
发帖数: 400 | 2 请教一个关于ROTH IRA的问题
1．开设ROTH IRA 帐号的限制是AGI少于$95,000 (个人报税）与$150,000 （联合报税
）。是不是说AGI超过以上限制的年份，就不能使用当年的存款额度（$4000），而哪一
年换了工资低的工作，AGI低于以上限制了，又可以往ROTH IRA里存钱了？还是说只要
有了Roth IRA, 每年都可以往里面存钱？
2．401k里的钱转到Roth IRA 时要补交税吗？
多谢回答！ |
|
l****y
发帖数: 267 | 3 要还工作了。准备把公司的401k roll-over to IRA，大概有5万的样子。有几个问题：
1. 我是不是可以全部roll-over?
2. 要交税吗？
3. 是不是只能roll-over to traditional IRA?
4. 今年traditional IRA 可以转成ROTH IRA, 是不是继续转一下就行？可以全部转成
ROTH IRA吗？要交很多税吧？
谢谢！ |
|
f********f
发帖数: 475 | 4 我和LD五年前各开了个Roth IRA的帐户, 总共放了2.4万. 我还有Rollover IRA的5万块
, 据说今年可以转成Roth IRA. 扣掉25% tax后应该有板有3.75万. 这样Roth IRA的钱
总共有6万多. 我今年想买房, 是first home buyer, 请问我能将这些钱都取出来买房
吗? 我想close ROTH IRA帐户, 不想以后还回去了, 可以吗? 谢谢! |
|
k**y
发帖数: 104 | 5 很久以前有一个roth ira 的账号。上班之后收入超了，就没有继续。traditional ira
也因为不能抵税（还是收入超了），也没入。侯志侯爵发现今年可以convert 到roth
ira。我能开一格traditional ira，在convert 到roth ira么？我因为开的时候就不能
抵税，转的时候也不用缴税把。这不是把收入的限制取消了么，有这好事？ |
|
K*Q
发帖数: 1001 | 6 Back in May of 2006 there was a pretty significant change to the tax laws
involving converting a traditional IRA to a Roth IRA. In the year 2010
everyone can convert their traditional IRAs to a Roth IRA - and that's an
opportunity that not everyone had in the past.
In this article we're going to talk about the Roth IRA conversion rule
change that goes into effect in 2010. We're also run through some of the
strategies that individuals can use to take advantage of this change,
starting today.
Ro |
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a**r
发帖数: 661 | 7 There are two IRAs, traditional IRA or roth IRA.
You can convert 401k to traditional IRA, no penalty and no tax for now.
if you transfer to roth IRA, you need to pay tax now. since roth
contribution
are after-tax dollars |
|
p********x
发帖数: 5583 | 8 1. 如果存了401K，还能投traditional IRA 吗？
2. 如果公司有401k,但是没有存，还能投traditional IRA 吗？
3. $5000是traditional IRA和roth IRA分别的limit，还是共用的？
谢谢 |
|
h****d
发帖数: 358 | 9 hahaha, the reasoning is funny. you should always contribute $16500 to 401(k).
For existing traditional IRA, whether or not to convert depends on:
1. Is your tax rate higher now or after you retire? If now it is higher, do
not convert. Otherwise, convert! Here I assume that your traditional IRA is
pre-tax money, if it is non-deductible IRA (or after-tax money), you always
should convert!
2. If you expect the rate is about the same, the traditional IRA and ROTH
IRA should give the same return, me... 阅读全帖 |
|
b**i
发帖数: 257 | 10 Thanks for the reminder. I called fidelity again. You are right, 401k are
not considered. I do have rollover IRA myself which prevent me from doing
tax free conversion. But I can do this for my wife who only has 401k account
. So here are what I gathered so far:
1) If you are married, you must file your tax return together
2) If you have any IRA account, all balance must be considered when the
conversion happens. Say if you have roller IRA (pre tax) or traditional IRA
that you claimed tax deduct... 阅读全帖 |
|
c*****x
发帖数: 429 | 11 I thought IRAs rolled over from 401k are basically the same as (deductible)
traditional IRAs. You are probably talking about nondeductible IRAs vs.
deductible IRAs, which could be commingled if you own both and want to do
Roth conversion.
IRA |
|
t*m
发帖数: 4414 | 12 I called fidelity this afternoon. The answer was, only deductible IRAs are
affected (tax-wise). Rollover IRA will not be affected.
second, if there is bad tax consequences, we can re-characterize the roth
IRA (converted from traditional IRA in 2010) back to traditional IRA by 04/
15/2011.
)
be |
|
b**i
发帖数: 257 | 13 There two possibilities here.
1) If you have a traditional IRA in which you claimed tax deduction, then it
's the same as a rollover IRA. Both of them are pre tax dollar. This new
rule isn't useful.
2) If you are over certain income limit, the money you put into traditional
IRA can't be deducted from tax, then the money you put in there is already
taxed (post tax dollar). The new rule is useful in that if your family
income is over the Roth contribution limit (AGI $176k this year) and you
still ... 阅读全帖 |
|
t*m
发帖数: 4414 | 14 this is different from what I learned this afternoon when calling fidelity
advisors
he says, the overall IRA (pre-tax money) has nothing to do with converting a
traditional IRA to roth IRA.
(the rollover IRA is at Vanguard); and the rollover IRA will not affect the
tax consequence of the roth conversion.
do you know which advisor you discussed with?
it
traditional
OK
deductible
do |
|
m****u
发帖数: 229 | 15 If you have ppl in your pocket who can write the laws, sure, u can.
If you make $5000 this year and if you make $0 next year, the $5000 you put
into Trad. IRA this year will be taxed next year because you converted it
into Roth IRA.
You saved about one full year of tax on the $5000 that you put into Trad.
IRA.
But as we all know the lowest tax rate is 10%? or 15%... Let's assume it's
10%, then that means you will pay 10% of the $5000 which is $500.
We know there are other standard craps you can ... 阅读全帖 |
|
s***n
发帖数: 9499 | 16 可以买$5000 non-deductible IRA
然后马上convert to Roth IRA么?
2010年的non-deductible IRA上限也是5000吧。这样报税是不是很麻烦？
要这么转一下是因为married NRA file separately and exceed 10k income, cann't
contribute to Roth IRA.
多谢！ |
|
v******h
发帖数: 82 | 17 traditional IRA convert to Roth IRA 有无limit?
比如我有10k的traditional IRA, 能否一次性convert成Roth IRA,还是有$5000的limit
? 谢谢！ |
|
p***j
发帖数: 53 | 18 刚换了工作，需要把之前的公司的401k转出来。我大概了解了一下似乎可以转到
traditional IRA 或者Roth IRA。基于我现在的税率比较低，所以我想应该是转到Roth
IRA比较好。但是我有一个问题不是很明白。在此想请教一下了解情况的童鞋们。
据说，如果现在把401k里的钱转到Roth IRA，那以后就不能再把这部分钱转到现有
雇主的401k or 403b里。我不明白的是，以后有什么必要把这部分钱再转到雇主的401k
or 403b里面么？我现在是在学校里工作，要一年以后才有403b。我不知道一年以后是
不是应该把这些钱转到雇主的403b里。
所以，大家能不能解释一下以后把原来雇主的401k转到现在雇主的403b的好处？
谢谢～ |
|
t********2
发帖数: 638 | 19 假设我有10万在ROTH 401K, 其中6万是我自己的contribution (after-tax)，2万是公
司的match,剩下的2万是这8万赚得利润（25%回报）。那么我辞职之后，如果想把401K
转成ROTH IRA，是不是我自己的6万本金不用再缴一次税，通过这6万本金赚的钱(6万*
25%=1.5万)也不用缴税，因为是从ROTH 401K去ROTH IRA；但是公司的match部分(2万)
，以及这2万的回报（2万*25%=5千），转成ROTH IRA的时候都要缴一下税？也就是说，
公司的match部分是被视为pre-tax 401K的？
另外，我可以只把我自己的contribution以及contribution的earning部分转成ROTH
IRA，但是把公司的match和match的earning部分转去traditional IRA么？
谢谢啦！ |
|
a********h
发帖数: 819 | 20 Da Niu,
yeah, I didn't know this until a few days ago.
I converted 20K(deductible) +5K (non-deductible) to Roth last year, still
have 50K(deductible) in my rollover IRA.
so I only can claim 1.67K basis for the 5K, and still have 3.33K basis in
the rollover IRA.
so if I don't convert more to Roth in 2012 and after 2012 I can't convert
anymore due to income restriction, the 3.33K basis will stay in my IRA until
I start withdrawal in 20-30 years? And at that time, the basis is still 3.
33K? (doesn'... 阅读全帖 |
|
z**********i
发帖数: 12276 | 21 找到了。
Roth IRAs offer a bit more flexibility. Generally, you may withdraw your
contributions to a Roth penalty-free at any time for any reason, as long as
you don't withdraw any earnings on your investments (as opposed to the
amount you put in) or dollars converted from a traditional IRA before age 59
½. In that case, you'll get hit with that same 10% penalty. Not sure
which money is considered a contribution and which is considered earnings?
The IRS views withdrawals from a Roth IRA in the ... 阅读全帖 |
|
O*O
发帖数: 2284 | 22 你需要60岁钱取赢利的话
不适合存IRA里
Roth IRA最大的好处俺觉得有三点
一是本金部分随时可以取出，相当于没利息的checking account
二是赢利59.5岁后取出没有税和罚款
三是退休后也没有每年强制最低提取额
假设你很会投资理财,现在存Roth IRA一万，
每年赢利10%，30年后增值到17万，可以全部取出没有税
如果是传统IRA，赢利的16万部分要交收入税 |
|
P*****a
发帖数: 629 | 23 Hi, Dear all
I have question regarding TX return:
I rollover one of my 403b to a traditional IRA in 2011 , i made sure it was
a direct rollover (i did not take any money out). Do you still supposed to
receive a 1099-R form?
1. Do i need to fill this 1099-R i received when prepare my 1040?
2. a related question is. this rollover was about $1000. I made another $
5000 contribution to a Roth IRA in 2011. When i started to prepare my tax
return. the Software start to tell ime that I can only contrib... 阅读全帖 |
|
p***2
发帖数: 374 | 24 My understanding is:
Suppose I have both 401k (before-tax money, say 10k) and non-deductible IRA
(after-tax money, say 10k).
1) If I only convert my non-deductible IRA to ROTH IRA, I will be taxed for
50% of conversion (i.e. 5k) because IRS deems my IRA accounts as a whole and
just uses %. Consequence is I am double-taxed for 5k.
2) If I convert both my 401k and non-deductible IRA to ROTH, then I will be
taxed at 50% of 20k, i.e. 10k. I am not double taxed in this case.
If so, then thumb of ru... 阅读全帖 |
|
f*******n
发帖数: 12623 | 25 Yes, 401k is not IRA; it doesn't affect conversion of your nondeductible
traditional IRA.
Also, you are never "double-taxed". Even in the example where you have 10k
deductible traditional IRA and 10k nondeductible traditional IRA, and you
convert 10k, you are converting 5k deductible and 5k nondeductible. So the
tax you paid for the 5k is for 5k of the deductible part, which was never
taxed. What you have left in your traditional IRA is 5k deductible and 5k
nondeductible. So there is no "double ... 阅读全帖 |
|
f*******n
发帖数: 12623 | 26 I don't think recharacterization is right. Recharacterization is usually for
turning a Roth IRA contribution into a traditional IRA contribution or vice
versa. But neither traditional nor Roth IRA is right -- both traditional
and Roth IRA do not allow you to contribute more than your income.
LZ can withdraw the excess plus the earnings from the excess before April 15
and it will be treated as having never been contributed. I think the IRA
broker will be able to help figure out exactly how much, ... 阅读全帖 |
|
a**u
发帖数: 762 | 27 【 以下文字转载自 TAX 讨论区 】
发信人: aseu (天凉好个秋), 信区: TAX
标 题: 问一个traditional ira rollover to roth ira 报税的问题
发信站: BBS 未名空间站 (Sat Apr 7 15:41:01 2012, 美东)
在2011年报2010年税的时候，投了5k non deduction traditional ira for 2010. 后
来又rollover to roth ira.今年报2011年税时，发现一张2011的1099-R。line 2a,
taxable amount is 5k. line 2b taxable amount not determinded and total
distribution are both marked.在turbotax里加入这个表后，AGI又加了这5k.请问这
个1099-R对吗？在turbotax里怎样才能把这5k去掉。
谢谢。 |
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f*******n
发帖数: 12623 | 28 和Roth IRA开户没有关系。就是你有Traditonal IRA，convert到Roth IRA，就自动有
一个Roth IRA了。我和很多人每年都是这样操作的。 |
|
f*******n
发帖数: 12623 | 29 就是这样的。你研究backdoor的时候没有人告诉你如果你已经有deductible
Traditional IRA就会麻烦吗？做backdoor Roth IRA的那些人都没有Traditional IRA
的。Rollover IRA就是Traditional IRA，没有区别，只是说明来源。 |
|
l******n
发帖数: 697 | 30
多谢，准备去开一个。
1. 再有就是如果我把我的401K 转到我的Roth IRA, 有上限吗? 5500?
2. 如果我把我的401k转到一个tradition IRA,有上限吗? tradition IRA 和 roth IRA
的上限可以合并吗?
3. 如果我把我的401K转到我的tradition IRA, 然后再转出来 (backdoor），应该怎么
操作呢?
谢谢 |
|
t*m
发帖数: 4414 | 31 网上有一些关于 after tax 401k rollover to roth ira 的文章，比如
http://online.wsj.com/article/SB125573502903090977.html
敢问大侠们对这种操作有什经验教训。 注意这里说的是after-tax 401K, 不是Roth
401K.
我每年可以投2万after-tax 401K (我同时投17K进入pre-tax 401K, 明年投17.5K), 雇
主也允许in service withdraw/rollover my after-tax 401K contribution. My
401K custodian, Fidelity, allows me to rollover the after-tax contribution
to my roth IRA account (also at Fidelity). They also acknowledge that IRA's
rule is unclear in this area.
所以如果IRS保持目前态度，俺每年可以多放2W进入rot... 阅读全帖 |
|
E******w
发帖数: 2616 | 32 The penalty of Roth IRA is that, while you save in Roth IRA, you still pay
mortgage interest to the bankers. Of course, you assume your investment
return rate is higher than the mortgage interest, but that's not true for
everyone, especially to those who think Roth IRA is useful. If you really
understand the system, you will understand that you need 0 in Roth IRA.
Anyway, just want to tell those who did not save in Roth IRA that they did
not miss anything important. |
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y*******8
发帖数: 162 | 33 本人新手，在论坛潜水好些时间，有个问题向版上大牛请教：
按照boglehead的以下说法：选择rothIRA 还是traditional IRA 就是看你现在的收入
和将来的收入那个高。
“The main reason to prefer one type of account over the other is the
comparison of marginal tax rates. If your marginal tax rate now is higher
than your estimated marginal tax rate at retirement, then the traditional
account is better; if it is lower, then the Roth account is better.”
那么如果说觉得自己未来海归的可能行很大，是否说选择traditional比较好？？如果
你在回国不久或者等到60岁的时侯取出，不是美国公民，不需要报税，在美国的收入为
零。不知道我的理解对吗？
希望哪位能够指点迷津，谢谢！
Withdraw... 阅读全帖 |
|
d**k
发帖数: 606 | 34 zero balance in non-Roth IRA, including Rollover IRA? Also, does it require
zero balance in all my non-Roth IRA in all broker accounts, all just the sam
e broker with trandoitional IRA, which is being converted?
make
t |
|
g*****g
发帖数: 34805 | 35 刚发现pro-rata这个规则。如果有traditional IRA，conversion要按比例收税。
所以不能既有traditional IRA，又搞backdoor ROTH IRA。
刚换了工作不久，本想把401K的钱转成traditional IRA的，这下郁闷了。 |
|
f*******n
发帖数: 12623 | 36 你明白这个帖子说什么吗？“Rollover IRA”就是Traditional IRA。有任何pre-tax的
IRA会阻止backdoor Roth IRA的操作。
a |
|
p********x
发帖数: 5583 | 37 traditional IRA里面有多少税后的钱是用8086表来track的。一旦投了税后
traditional IRA，当年就要填8086表。以后有after tax contribution，conversion
或者 distribution，都要填8086表。8086表是报税的时候填，就是计算税前和税后的
比例，告诉你conversion/distribution中有多少是税前的（这部分要交税），最后给
出税后trational ira还剩多少。8086一年就填一张，这就是为什么我前面说，一年结
算一次，所有traditional ira都要合在一起算。 |
|
g*****g
发帖数: 34805 | 38 刚发现pro-rata这个规则。如果有traditional IRA，conversion要按比例收税。
所以不能既有traditional IRA，又搞backdoor ROTH IRA。
刚换了工作不久，本想把401K的钱转成traditional IRA的，这下郁闷了。 |
|
f*******n
发帖数: 12623 | 39 你明白这个帖子说什么吗？“Rollover IRA”就是Traditional IRA。有任何pre-tax的
IRA会阻止backdoor Roth IRA的操作。
a |
|
p********x
发帖数: 5583 | 40 traditional IRA里面有多少税后的钱是用8086表来track的。一旦投了税后
traditional IRA，当年就要填8086表。以后有after tax contribution，conversion
或者 distribution，都要填8086表。8086表是报税的时候填，就是计算税前和税后的
比例，告诉你conversion/distribution中有多少是税前的（这部分要交税），最后给
出税后trational ira还剩多少。8086一年就填一张，这就是为什么我前面说，一年结
算一次，所有traditional ira都要合在一起算。 |
|
m****a
发帖数: 2593 | 41 没明白？
我问的好像和non-deductible traditional IRA没关系吧？
我有以前401k转的rollover IRA是属于税前的。
上面说的这roth conversion 5000要交的税就和我的rollover IRA的总额大小有关，但
是如果我把rollover IRA全转到现有的401k去，这5000就不用交税了，这个太奇怪了。 |
|
f*******n
发帖数: 12623 | 42 我不明白你的问题。你是2012年存了Traditional IRA吗？跟着想把它convert成Roth
IRA吗？你这个是为了什么？是为了backdoor Roth IRA吗？你报了2012年的税了吗？
1040表第32项是deduct Traditional IRA的。你如果反正convert成Roth IRA为什么还
要deduct呢？你符合deduct的条件吗？ |
|
z*q
发帖数: 16 | 43 抱歉没有说明白。因在2012年除contribute 17K在401K，第一次存了5000 在
Traditional IRA， W-2表只有56K。而且我已报了 2012年的税。见到版上讨论Roth
IRA的好处，并且 Traditional IRA 转到 Roth IRA 可能符合Pro-rata Rule。 就想弄
清楚在4月15日前是否还能convert成Roth IRA？如可能，是否要withhold tax？ |
|
t*******e
发帖数: 298 | 44 我现在没有任何ira账号，正准备把原来公司的401k转成traditional ira。想问一下能
不能先开个ira账号，放5000块钱然后用backdoor转成roth ira，然后再把原来公司的4
01k转traditional ira。这样有问题吗？要是可以，能不能放10000，5000算2012年的，
5000算2013年的？以前不知道backdoor roth，所以搞晚了。谢谢。 |
|
f*******n
发帖数: 12623 | 45 谁说要roth ira -> tranditional ira？
backdoor roth ira就是放钱在traditional ira，跟着convert到roth ira。 |
|
r**m
发帖数: 1825 | 46 如果你可以qualify 直接存，当然应该这么做
2是backdoor roth ira， 有可能会交税。5000 块里需要交税的比例是
（your total IRA - $5000) / (your total IRA).
如果你没有其他任何ira （traditional , rollover etc), then NO tax either. |
|
p**e
发帖数: 533 | 47 如果今年4月15日前存2012 的nondeductible traditional IRA, 然后转成Roth IRA。
那报2012年的税，需要说明买了traditional IRA,那要不要报税时也说转换了Roth IRA？
还是报2013年的税的时候再说？
conversion
either
401 |
|
|
f*******n
发帖数: 12623 | 49 你是说2013年的吗？
我建议你
1. 把Roth IRA contribution recharacterize成Traditional IRA contribution，跟
着马上convert到Roth IRA
或
2. 把今年contribute的钱，加earnings，拿出来，跟着再contribute到Traditional
IRA，跟着马上convert到Roth IRA |
|
p**h
发帖数: 1105 | 50 "roth ira里面principle不交税" -- 错， roth ira 的contribution是你税后的钱，
等同你已经交了税。 gain在你老的时候取出来时是免税的。
roth ira 今年只能放5500， 必须有W2收入的， 才能set up roth ira account， 而
且对收入有限制， 具体amount你自己查吧。。
roth ira 属于退休账户， 有些MF的minimum 投资额对退休账户很少，500 or 1000，
但对于一般的cash account 就很高， 10K or 100K，等等 |
|
