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may be withdrawn tax and penalty free after the "seasoning" period (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】
: 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: may be withdrawn tax and penalty free after the "seasoning" period (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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