m****u
发帖数: 229 | 1 I think you don't have a Roth IRA account or have it for less than 1 year
because you never got a Form 5498, so you dont know that the box 10 Roth IRA
contributions would report a dollar amount.
I did my 2009 tax myself, if your income is low (i.e. less than $25000ish i
dont remember the exact number), and you put money into Roth IRA, you would
still get a tax credit. I think uncle Sam wants to help low income ppl save
by giving them free bonus cash. But then again, low income ppl prob wouldn't |
|
a**r
发帖数: 661 | 2 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 |
|
l******u
发帖数: 3169 | 3 新手上路，已经看了不少介绍。
还是关于traditional or Roth的问题。退休后，可不可以第一年从roth多取一些因为
不用交税，然后第二年再从traditional里面少取一些可以降到小一些的tax bracket，
不够就用前一年剩的？
如果这样的话，假如多取和少取的比例要达到2~3比1才能make difference，是不是这
个就可以是roth versus traditional的比例？
新手想当然了。。。欢迎大家来拍！ |
|
h****d
发帖数: 358 | 4 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 |
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z***e
发帖数: 18 | 5 Can you analyze a case for me
From previous employer 401k account, still got 80k there. Did not roll over
to current employer 401k account.
Currently Family income 90k/year. Maxed out 401k already. And obviously we
can still contribute to Roth this year.
If convert the 80k into a Roth IRA, does this mean:
1) our income for this year is 170k?
2) we can not contribute to Roth this year? |
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b**i
发帖数: 257 | 6 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 |
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S****r
发帖数: 472 | 7 This does not make sense. If the income cap on the conversion is totally
removed after 2010, why is there a need for an income cap on Roth IRA?
I don't think IRS just wants to make fun of rich people and have them 脱裤子
放屁 （contribute regular IRA and then convert to Roth every year) while an ordinary Joe can contribute Roth directly)
into |
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s**y
发帖数: 151 | 8 公司用fidelity的401K，目前我的帐号里大概有三万多。不久前刚从公司辞职，在家休
息。fidelity现在发信问我要不要开Roth IRA帐号。因为不熟悉这些，有下面几个问题
请高手给予建议：
1.我的情况，怎么做比较好？留着401K不动、还是开Roth IRA帐号然后把401K里的钱转
过来？
2.要转的话，有什么限制条件吗？我能转多少过来？
3.如果找到下个公司工作，没有Roth IRA，我该怎么做？
多谢。 |
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h******y
发帖数: 46 | 9 问一个弱问题：
我在2008年开了一个Traditional IRA账户，放了5000美元。在2010年3月又放入5000，
然后把Traditional IRA里的所有钱（一万美元左右）Convert to Roth IRA.
现在我想contribute $5000 for 2010 tax year. 请问我是直接contribute to my
Roth IRA account, 还是先contribute to tranditional IRA then convert to Roth
IRA?
多谢！ |
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w***n
发帖数: 1162 | 10 the company provides ROTH 401K and regular 401K, can I still contribute to
ROTH IRA?
thanks! |
|
f*******r
发帖数: 5301 | 11 unless you become jobless and go home, it's too easy to disqualify for Roth
IRA as soon as you graduate :p
f1 is usually last chance for roth. in USA people hire their kids and
invest Roth for them when they are young. |
|
k******n
发帖数: 3154 | 12 炒过几年股，最近刚开了ROTH IRA的账户
所以有很多不懂的
Vanguard ROTH IRA最低消费3000啊
ROTH IRA不是一年只许放5000？
那刚开户岂不是只能买一个fund?
每一个fund的价格都不是整数吧？
比如我先买大约3000的fund，那剩下两千是还在money market account里吗？ |
|
d*****r
发帖数: 273 | 13 Yes, you can open as many Roth accounts as you want, if you don't mind the
mess to manage them. However, you can consolidate all Roth into one account.
For example, once you open a Roth in Fidelity, you can fill an online form
to move all money from American Funds to Fidelity. American Funds may charge
a fee for transfer and/or closing the account. |
|
h***g
发帖数: 56 | 14 考虑到可能买房时从ROTH IRA里把本金都提出来。如果现在把一个rollover IRA/
traditional IRA(从以前工作单位的401Kroll over的IRA)转成roth ira, 这笔钱在缴
税之后可以算是ROATH IRA的本金contribution吗？可以在以后随时不缴税和没有
penalty的提出来吗？ |
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d**a
发帖数: 1030 | 15 我也是打算开roth的学生，想请教一个问题
现在还是个超级新手，可能最近一两年也没有很多时间来系统学习和管理，这种情况下
，选哪种roth的投资方式合适呢？
另外，可以推荐一个开roth帐号的地方么？谢谢
considering |
|
w*****n
发帖数: 19 | 16 开Roth账户对收入是有限制的。因为你们2010年的MAGI不到$167K,所以2010年可以分别
投$5000。在今年4月15日前如果指定投到2010年，那么那仍然是2010年的（2010年的总
额不要超过$5000）。
今年MAGI超过了$177000，那么Roth账户每年$5000的额度变成$0了，但是这是个好的问
题，因为收入提高了。除了401K，Roth IRA，市场上还有其他不错的投资工具。 |
|
g*****g
发帖数: 34805 | 17 The first thing you want to check is if you are eligible to
contribute to Roth IRA. Many double income families aren't.
Roth IRA is like an aftertax account that doesn't charge tax
on your growth, though contribution is limited. You can open
Roth IRA anywhere, and fund from your banking account. Typically
it's very flexibile like your brokerage account. |
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k*****u
发帖数: 1313 | 18 Can we convert to Roth in 2011? I think it is only one time thing for 2010.
If I convert $5000 to traditional IRA now for year 2010 and then immediately
convert to roth IRA, is this counted as roth 2010 or 2011?
in other words,can I make anothere contribution up to $5000 for year 2011
and then convert to IRA again?
thanks a lot! |
|
t**g
发帖数: 1164 | 19 假设初始投资是A,被扣掉的税占40%（联邦+州+其他）
平均每年回报率是r
那么在n年后,属于你自己的钱：
1。tax-defered 401:
A * (1+r)^n * 60%
2。roth 401:
A * 60% * (1+r)^n
其实就是一样的
所以只要现在跟n年后税率差别不大
这两种401没啥区别，是么？
而如果我选择tax-defer 401
等到时退休了，搬到一个没有州税的地方去
那tax-defer 401的优势就大多了
简而言之
在州税低的地方工作，就用Roth 401;
在州税高的地方工作，就用taxed-defer 401
请问是这样么？
roth比defer还有其他好处么？
谢谢 |
|
u****x
发帖数: 349 | 20 刚开了个ROTH账户，有几个问题请教高手。
1，上面说第一次initial transfer最少2500.一定要吗？
2，我今天开的账户，想从银行里面赚钱。上面有2个选择 2010年和2011年。2011年我
可以理解，因为现在是2011年。但是为什么还有个2010年， 2010年不是过去了吗？ 难
道是我2011年能存上限5000，以前的一年2010年还可以存？
3. ROTH是不是每年最多能存5000？
4，我是在Fidelity开的帐号。请问 Investing and Trading 帐号和ROTH有啥区别？
谢谢了先。刚开始研究这个，不太理解。看了一下网站和wiki很多名词都不理解。比如
NAV，YTD return。 所以请教一下。 谢谢 |
|
w**s
发帖数: 141 | 21 I have lost track of my Roth IRA contribution for the past years. One
reason is because I have rolled over my Roth IRA from my broker to another.
And signed up for e-statement for both brokers. Therefore, lost all the e
statement from previous broker. And I do not do a even contribution every
year. So it's hard to remember what I did to myself. hehe.....
But I think IRS or some government organization should have this on track
and there must be a way for us to find out our total amount of Ro... 阅读全帖 |
|
Q***u
发帖数: 433 | 22 For emergency money, I don't believe your 401(k)--Roth or traditional--will
be your sole source of investment. You certainly have other non-retirement
investment, don't you?
401(k) has a yearly contribution limit. Even if I wanted to put more in it,
I'm not allowed to do it.
If your main concern is afraid of losing Roth 401(k) when switching
employers, yeah, then I guess it makes sense to choose Roth since you
like it better. |
|
K****D
发帖数: 30533 | 23 Because my tax rate is 15%.
Even if 25%, I would still go with Roth IRA, because it has some
many other nice features that a traditional cannot match.
I don't think anybody at 28% or above tax rate can still contribute
to Roth. So basically my conclusion is:
1) everybody should do Roth as long as they can.
2) If they can't, they should always do Traditional IRA. They can't
just do nothing and waste the quota! |
|
Q***u
发帖数: 433 | 24 For emergency money, I don't believe your 401(k)--Roth or traditional--will
be your sole source of investment. You certainly have other non-retirement
investment, don't you?
401(k) has a yearly contribution limit. Even if I wanted to put more in it,
I'm not allowed to do it.
If your main concern is afraid of losing Roth 401(k) when switching
employers, yeah, then I guess it makes sense to choose Roth since you
like it better. |
|
K****D
发帖数: 30533 | 25 Because my tax rate is 15%.
Even if 25%, I would still go with Roth IRA, because it has some
many other nice features that a traditional cannot match.
I don't think anybody at 28% or above tax rate can still contribute
to Roth. So basically my conclusion is:
1) everybody should do Roth as long as they can.
2) If they can't, they should always do Traditional IRA. They can't
just do nothing and waste the quota! |
|
M********y
发帖数: 1121 | 26 谢谢大家的建议，刚才查了一下，好像这个roth conversion只是2010年的政策吧？如果现在有其他退休账户的钱，那么可以转到roth来，可是如果之前没有退休账户呢？这个政策对2011年还适用吗？我们今年的收入可能就会超标了啊，不知道还能不能存roth ira了呢？ |
|
t****g
发帖数: 35582 | 27 错了。
rothIRA distribution是没有税的，traditional IRA和401K一样，但是每年$5000的
contribution是免税的，超出的部分叫做non-deduction IRA，需要交税。
从操作的角度来说，如果你今后的计划打算海龟或者啥的。IRA是比401K更flexible的
选择。每年存满roth IRA，然后往non-deduction IRA里面contribute。等海龟以后，
tax bracket降低，每年从non-deduction IRA往roth IRA rollover，只要你每年
rollover的在tax exempt下面，没税，或者超一点税很少。
最后到60的时候可以一把全部兑现，哈皮啦，呵呵。
401K的问题在于:
1. 一般来说投资组合没有IRA方便，所以yield很可能比IRA低；
2. 对比roth IRA来说，中间急需用钱的时候没法弄出来。虽然可以401K loan，但是很
不划算；
3. 退休以后也得一年一年的distribution，否则一年全兑现你tax bracket高的吓死人
。如果存多了或者身体不好搞... 阅读全帖 |
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m***a
发帖数: 50 | 28 这个不对吧？IRA应该是只能投$5000, traditional and roth combined.
一般如果可以投roth就投roth，否则投traditional。如果收入低于一个值，
traditional IRA可以全部或者部分用pre-tax的钱。如果traditional
IRA里面有non-deductible的部分，那么这部分将来拿出来的时候不再收税。
你说的可能是after-tax 401K? |
|
t****g
发帖数: 35582 | 29 错了。
rothIRA distribution是没有税的，traditional IRA和401K一样，但是每年$5000的
contribution是免税的，超出的部分叫做non-deduction IRA，需要交税。
从操作的角度来说，如果你今后的计划打算海龟或者啥的。IRA是比401K更flexible的
选择。每年存满roth IRA，然后往non-deduction IRA里面contribute。等海龟以后，
tax bracket降低，每年从non-deduction IRA往roth IRA rollover，只要你每年
rollover的在tax exempt下面，没税，或者超一点税很少。
最后到60的时候可以一把全部兑现，哈皮啦，呵呵。
401K的问题在于:
1. 一般来说投资组合没有IRA方便，所以yield很可能比IRA低；
2. 对比roth IRA来说，中间急需用钱的时候没法弄出来。虽然可以401K loan，但是很
不划算；
3. 退休以后也得一年一年的distribution，否则一年全兑现你tax bracket高的吓死人
。如果存多了或者身体不好搞... 阅读全帖 |
|
m***a
发帖数: 50 | 30 这个不对吧？IRA应该是只能投$5000, traditional and roth combined.
一般如果可以投roth就投roth，否则投traditional。如果收入低于一个值，
traditional IRA可以全部或者部分用pre-tax的钱。如果traditional
IRA里面有non-deductible的部分，那么这部分将来拿出来的时候不再收税。
你说的可能是after-tax 401K? |
|
v******h
发帖数: 82 | 31 traditional IRA convert to Roth IRA 要交税吗？
我的理解是放在traditional IRA里的钱是没交税的，放在Roth IRA里的钱是税后的。
那么当把traditional IRA convert to Roth时，应该交税吗？如何计算税率？是按投
入时的税率还是按convert时的税率？谢谢！ |
|
j**y
发帖数: 147 | 32 I uses the after-tax money to contribute to my traditional IRA account.
When I convert it to Roth IRA, Fidelity provided two options in below:
1. I elect not to have federal taxes withheld and continue my conversion
online
2.I elect to have federal taxes withheld
Which option need I choose? I think there will be no tax withheld since I
use after-tax money. I need confirm it. Another question, do I have to cash
the stocks/MF in my traditional IRA account in order to convert to Roth IRA?
can I lea... 阅读全帖 |
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e*r
发帖数: 1121 | 33 请问大家ｒｏｔｈ ｉｒａ都用来做什么，stock trade, 买fund?
401 k就是买vanguard 的fund，我想试试用roth ira 买股票，不知道大家都在哪里开
roth ira的账户．大家推荐roth ira怎么投资？谢谢！ |
|
p***j
发帖数: 53 | 34 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～ |
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S**C
发帖数: 2964 | 35 Not just that. If ROTH conversion stands as is now, I will be shocked if the
US government won't find some ways to implicitly tax ROTH down the road,
just like the robber Willie Sutton said, "That's where the money is."
For example, how about a VAT style tax with lower income tax rate? Then ROTH
will be screwed. |
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m*****n
发帖数: 5611 | 36 去年没跟上形势 最近打算杀回roth ira
如果不直接quality roth ira 是不是先开traditional ira，钱做为non-deductible
contribution扔进去存成cash，然后convert到roth ira就完了
有截止日期么 还是说将来一直可以 |
|
j*****h
发帖数: 3292 | 37 周末刚好在研究ROTH IRA 和traditional IRA
不知还有ROTH 401K
traditional IRA 和 ROTH IRA 的研究结果，只和一个因素有关
your current marginal tax rate 和your expected marginal tax rate after
retirement. 选低的那个 |
|
t***s
发帖数: 4666 | 38 go the "roth conversion" route.
工资刚好125K。
所以很是困惑。
不能申请ROTH IRA，有没有类似的复利计算的项目？ |
|
J*******i
发帖数: 2162 | 39 最近刚开始工作，以前对投资不熟悉，现在也在读Boggle head恶补
不过还有几个问题没有弄明白，希望大家指教
第一是AGI是wage扣除了401K和其他的杂七杂八之后的么？还是自己的401K
contribution也要算到AGI里面的？因为我看到了好像只有AGI小于110K左右的一个线才
能存5000，我现在wage有120K，如果AGI不是wage-401K算出来的我好像很难到那个线...
第二就是如果我8月份才开始的工作，那么今年的AGI是不是就是远小于110K的那个线了
？之所以纠结这个AGI问题就是想整明白究竟我能不能放满5000的Roth
第三是如果Roth IRA里面放的本金如果提前取出，是不是不用交税和penalty的？我的
理解是放Roth IRA用的就是税后的钱，凭什么还要我们再交一次税...
问题有点多有点弱，请多多包涵，先多谢了！ |
|
s****g
发帖数: 329 | 40 我知道因为有收入限制，有些人不能直接存ROTH IRA。但如果先存Traditioanl IRA，
之后可以再补交之前defer的税，然后把Traditional IRA转成ROTH IRA却是可以的。可
是如果这样转换一下就可以了，那为什么不直接允许这些人直接投ROTH IRA不就可以了
吗？有人能说说这是为什么吗？谢谢！ |
|
z**********i
发帖数: 12276 | 41 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 |
|
|
l*******z
发帖数: 4276 | 43 it is mostly depends on the tax rate difference, between now and when you
take the money out. No only because the amount of money you make/take out
each year, but also the tax rates changes in the system. If rates are the
same now and then, both should make no difference.
E.g, You have 100 dollars now, tax rate 20% now and then, return rate 1000%
when you take out the money,
Pre-tax: 100*10*0.8 = 800
Roth: 100*0.8*10 = 800.
This comparison also illustrates that after tax (non-Roth) distr... 阅读全帖 |
|
g*******0
发帖数: 2152 | 44 我觉得如果roth 只是用于退休，而且现在的税率会比将来高那真是没有什么优势。但
是 roth比 trandition 在取出上有很多方便之处，任何时候任何理由取出本金来都没有税
和罚金，盈利部分退休或买房时取出也没有税和罚金，版上有人用roth 来存应急基金我觉得是
个很好的选择，而且也可以用来存小孩的教育费用，比529的投资面宽很多，资金使用
也灵活多了。 |
|
O*O
发帖数: 2284 | 45 401K match的话，最少也要放够match的那一部分吧
不然多亏啊，match的部分应该比10%罚款高的多吧
关于Roth IRA的钱怎么取，要分情形的：
1. 每年直接存进去的税后的钱（本金），可以随时取出，没有税和罚款
2. 从传统IRA转来的钱，不满5年取出有10%罚款，没有税（转的时候交过了）
3. 账户内的赢利部分，不够59.5岁取出，要交税和10%罚款，够年龄取出没有税和罚款
（这是Roth IRA最有吸引力的地方）。
所以我觉得有闲钱存Roth IRA还是不错的
最差也就和没有利息的checking账号一样 |
|
l*****i
发帖数: 176 | 46 401K应该存，就罚款10％而已，而且退休后再取交税也少，即使全球收入都计入，
60岁估计你们在中国也退休或者半退休了，没有多少收入，应该还有海外收入免税的部
分，总之税不会比你们现在多，还可以赚公司的match
在退休后税率降低的假设下，401和traditional IRA收益比roth好，如果退休睡了反而
高就roth更好，还有college saving account 比roth更好还可以剩一部分州税，但是
需要搞清楚在中国大学是否适应，罚款也是10％ |
|
l**********r
发帖数: 4612 | 47 研究了一下nondeductible IRA。假设你已经有401k，并且不幸的年收入超过11万。你
就不qulify投资tax-free的IRA了。不过有个漏洞可以让你每年有$10000的投资利息免
税。方法是每年你们家可以投$10000税后的钱到nondeductible IRA，然后每年
rollover到Roth。到了Roth以后利息就终身免税了。
大家看是不是这个理？假设Roth每年投资的回报8%。几十年下来也很可观了 |
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S**C
发帖数: 2964 | 48 Too simple sometimes naive ;-) Nobody said better than the bank robber
Willie Sutton, "because that's where the money is." The congress will make
laws to get some revenues out of ROTH, because, you know, that's where the
money is.
There are many ways to back-door tax ROTH. For example, national sales tax.
Another example, currently qualified ROTH distribution does not affect your
tax on SS income, then .... you get the idea. |
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S**C
发帖数: 2964 | 49 They do not need to repeal the existing tax law regarding ROTH, they just
need either have national retail tax (which is blind to all income), or tax
social security income by taking ROTH distribution amount into account. No
they do not tax ROTH directly, and that is the "beauty" part of it. |
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p***2
发帖数: 374 | 50 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 |
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