s******n
发帖数: 212 | 1 记得去年的限额是$5,000/人，但夫妻两个的总计收入不能大于155,000。我前阵子开了
一个Roth IRA的账户，现在准备给LD也开一个。我是应该在给LD开账户前先确认去年收
入呢，还是可以先开，等以后再说。如果先开账户的话，一旦将来发现上年度收入大于
155,000，会有什么不良后果?
谢谢！ | j*e
发帖数: 1987 | 2 可能要求withdraw之前的投入，或者加收6% over invest Roth IRA的税 | k******u
发帖数: 3137 | 3 orz, 你们俩这么快就封顶啦
【在 s******n 的大作中提到】
: 记得去年的限额是$5,000/人，但夫妻两个的总计收入不能大于155,000。我前阵子开了
: 一个Roth IRA的账户，现在准备给LD也开一个。我是应该在给LD开账户前先确认去年收
: 入呢，还是可以先开，等以后再说。如果先开账户的话，一旦将来发现上年度收入大于
: 155,000，会有什么不良后果?
: 谢谢！
| k**f
发帖数: 372 | 4
For year 2008, the MAGI limit for full contribution to Roth is $159k. If you
MAGI is over $159k, but less than $169k, your contribution is reduced (phased
out).
So you can open the account now, if later you find that your income is over
limit, you can always withdraw the excessive contribution.
http://fairmark.com/rothira/phaseout.htm
【在 s******n 的大作中提到】
: 记得去年的限额是$5,000/人，但夫妻两个的总计收入不能大于155,000。我前阵子开了
: 一个Roth IRA的账户，现在准备给LD也开一个。我是应该在给LD开账户前先确认去年收
: 入呢，还是可以先开，等以后再说。如果先开账户的话，一旦将来发现上年度收入大于
: 155,000，会有什么不良后果?
: 谢谢！
| s******n
发帖数: 212 | 5 Thanks a lot, kkff
and other respondents.
you
phased
over
【在 k**f 的大作中提到】
:
: For year 2008, the MAGI limit for full contribution to Roth is $159k. If you
: MAGI is over $159k, but less than $169k, your contribution is reduced (phased
: out).
: So you can open the account now, if later you find that your income is over
: limit, you can always withdraw the excessive contribution.
: http://fairmark.com/rothira/phaseout.htm
| w****n
发帖数: 611 | 6 MAGI 是不是等于AGI - property tax - mortgage interest ...?
thanks
you
phased
over
【在 k**f 的大作中提到】
:
: For year 2008, the MAGI limit for full contribution to Roth is $159k. If you
: MAGI is over $159k, but less than $169k, your contribution is reduced (phased
: out).
: So you can open the account now, if later you find that your income is over
: limit, you can always withdraw the excessive contribution.
: http://fairmark.com/rothira/phaseout.htm
| P**a
发帖数: 1267 | 7 这个不是MAGI啊,快算到taxable income了
MAGI在不同的用途有不同的算法,比如用于IRA,SS benefits, AMT...各自不同
【在 w****n 的大作中提到】
: MAGI 是不是等于AGI - property tax - mortgage interest ...?
: thanks
:
: you
: phased
: over
|
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