m**********w 发帖数: 4161 | 1 看了这篇文章,又看到板上一些说法,搞不清楚到底怎么回事。有人研究过吗?
悬赏五个包子征求正确解答。
http://www.investopedia.com/articles/retirement/03/030403.asp
尤其这一段:
Distributions of Roth IRA assets from regular participant contributions and
from nontaxable conversions of Traditional IRA can be taken at anytime, tax
and penalty free - that is, if the distribution is in line with the rules
that exempt assets from income tax and early-distribution penalties.
先说任何时候都可以拿本金和non-deductible conversion的钱,但后面又跟了一个"if
"条件。 |
m**********w 发帖数: 4161 | 2 还有这段:
To determine the source of assets distributed from a Roth IRA, the IRS uses
the 'ordering rules'. According to the ordering rules, assets are
distributed from a Roth IRA in the following order (once assets from one
source run out, the assets from the next source are distributed):
1. regular Roth IRA participant contributions.
2. taxable Traditional IRA conversions.
3. nontaxable Traditional IRA conversions.
4. earnings on all Roth IRA assets.
这个taxable Traditional IRA conversio
【在 m**********w 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 看了这篇文章,又看到板上一些说法,搞不清楚到底怎么回事。有人研究过吗? : 悬赏五个包子征求正确解答。 : http://www.investopedia.com/articles/retirement/03/030403.asp : 尤其这一段: : Distributions of Roth IRA assets from regular participant contributions and : from nontaxable conversions of Traditional IRA can be taken at anytime, tax : and penalty free - that is, if the distribution is in line with the rules : that exempt assets from income tax and early-distribution penalties. : 先说任何时候都可以拿本金和non-deductible conversion的钱,但后面又跟了一个"if : "条件。
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m**********w 发帖数: 4161 | 3 是问题太难了,还是悬红太少啊?肯尼迪,costco,星木,股票魔鬼等大牛们说话呀。
and
tax
if
【在 m**********w 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 看了这篇文章,又看到板上一些说法,搞不清楚到底怎么回事。有人研究过吗? : 悬赏五个包子征求正确解答。 : http://www.investopedia.com/articles/retirement/03/030403.asp : 尤其这一段: : Distributions of Roth IRA assets from regular participant contributions and : from nontaxable conversions of Traditional IRA can be taken at anytime, tax : and penalty free - that is, if the distribution is in line with the rules : that exempt assets from income tax and early-distribution penalties. : 先说任何时候都可以拿本金和non-deductible conversion的钱,但后面又跟了一个"if : "条件。
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s********n 发帖数: 1962 | 4 人家没提要交税。
uses
【在 m**********w 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 还有这段: : To determine the source of assets distributed from a Roth IRA, the IRS uses : the 'ordering rules'. According to the ordering rules, assets are : distributed from a Roth IRA in the following order (once assets from one : source run out, the assets from the next source are distributed): : 1. regular Roth IRA participant contributions. : 2. taxable Traditional IRA conversions. : 3. nontaxable Traditional IRA conversions. : 4. earnings on all Roth IRA assets. : 这个taxable Traditional IRA conversio
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c*v 发帖数: 93 | 5 No penalty or tax on your own Roth contribution. If you read through the
example in your link, you can see that. I think the sentence has an edit
error, it should not have that "if", i.e., it should read:
"that is, the distribution is in line with the rules that exempt assets from
income tax and early-distribution penalties."
waiting for baozi...
and
tax
if
【在 m**********w 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 看了这篇文章,又看到板上一些说法,搞不清楚到底怎么回事。有人研究过吗? : 悬赏五个包子征求正确解答。 : http://www.investopedia.com/articles/retirement/03/030403.asp : 尤其这一段: : Distributions of Roth IRA assets from regular participant contributions and : from nontaxable conversions of Traditional IRA can be taken at anytime, tax : and penalty free - that is, if the distribution is in line with the rules : that exempt assets from income tax and early-distribution penalties. : 先说任何时候都可以拿本金和non-deductible conversion的钱,但后面又跟了一个"if : "条件。
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s******d 发帖数: 323 | 6 aglee
from
【在 c*v 的大作中提到】![](/moin_static193/solenoid/img/up.png) : No penalty or tax on your own Roth contribution. If you read through the : example in your link, you can see that. I think the sentence has an edit : error, it should not have that "if", i.e., it should read: : "that is, the distribution is in line with the rules that exempt assets from : income tax and early-distribution penalties." : waiting for baozi... : : and : tax : if
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m**********w 发帖数: 4161 | 7 两段合起来看:
Distributions of Roth IRA assets from regular participant contributions and
from nontaxable conversions of Traditional IRA can be taken at anytime, tax
and penalty free
这里面提到的两个source在那个列表里是1和3,跳过了2。那不是隐含着取2的时候有可
能有tax和penalty?
【在 s********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 人家没提要交税。 : : uses
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m**********w 发帖数: 4161 | 8 给个官方说法嘛。包子没问题。
from
【在 c*v 的大作中提到】![](/moin_static193/solenoid/img/up.png) : No penalty or tax on your own Roth contribution. If you read through the : example in your link, you can see that. I think the sentence has an edit : error, it should not have that "if", i.e., it should read: : "that is, the distribution is in line with the rules that exempt assets from : income tax and early-distribution penalties." : waiting for baozi... : : and : tax : if
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c*v 发帖数: 93 | 9 赚你的包子还真不容易啊。官方说法:
http://www.irs.gov/publications/p590/ch02.html#en_US_publink10006523
Are Distributions Taxable?
You do not include in your gross income qualified distributions or
distributions that are a return of your regular contributions from your Roth
IRA(s).
你的本金投入永远可以tax-free withdraw.
【在 m**********w 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 给个官方说法嘛。包子没问题。 : : from
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m**********w 发帖数: 4161 | 10 啊,这个比我贴的link清楚多了。怎么狗搜出来的第一个不是它呢。
包子来了。
Roth
【在 c*v 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 赚你的包子还真不容易啊。官方说法: : http://www.irs.gov/publications/p590/ch02.html#en_US_publink10006523 : Are Distributions Taxable? : You do not include in your gross income qualified distributions or : distributions that are a return of your regular contributions from your Roth : IRA(s). : 你的本金投入永远可以tax-free withdraw.
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