a******8 发帖数: 75 | 1 我年底结束这边的博士后,2010年1月初就回国。工资不高,没攒什么钱,所以希望能
从退休金中拿些钱回去。
有两个退休金需要处理,
一个是学校的Basic retirement plan, 大概10K,
一个是Fidelity 401k plan,大概16K。
要是Cash out, 需要20%tax + 10% additioanl tax。
看了大家发的帖子,推荐rollover 到一个 traditional IRA 账号,应该是不需要扣什
么钱的;
然后再转成roth IRA。因为2010年就没有收入了,比如每年转进来好像是7000是免税的
,再转到自己保留的银行,比如
BOA,可能需要10%的罚金。这样要折腾好几年才能拿完了。
是不是这个策略是最好的呢?
所谓免税,是根本不扣税,还是2011年报税时再退回来呢?
开所谓IRA的账号,是不是在Fidelity就可以了呢?
转过去的钱是必须买基金吗,就像在401k里面一样?
包子答谢! | z****7 发帖数: 880 | 2 Rollover, converted (before age 59½) contributions held in a Roth IRA
may be withdrawn tax and penalty free after the "seasoning" period (
currently 5 years). So use the methods you mentioned, You pay no income tax
5 years later.
If you don't want to waite 5 years.Just take it out next year and pay 10%
penalty before you leave. You don't have income 2010 so you pay 26K income
tax which is very little. Check you deduction amount of your tax return. | a******8 发帖数: 75 | 3 Thanks a lot!
tax
【在 z****7 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Rollover, converted (before age 59½) contributions held in a Roth IRA : may be withdrawn tax and penalty free after the "seasoning" period ( : currently 5 years). So use the methods you mentioned, You pay no income tax : 5 years later. : If you don't want to waite 5 years.Just take it out next year and pay 10% : penalty before you leave. You don't have income 2010 so you pay 26K income : tax which is very little. Check you deduction amount of your tax return.
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