d******b
发帖数: 28 | 1 有一个关于Roth IRA Contribution的初级问题：
既然Contribution的已经是税后的钱了，也就相当于是把银行存款直接划进Roth IRA帐
户，那在Tax Return上就不会反映出来了。 那么开设Roth IRA的帐户需要通知IRS或
其它任何政府部门吗？
如果不需要跟任何政府部门做filing的话，由谁来监管Roth IRA帐户的contribution是
否合规呢？总觉得自己漏了点什么，但就是没想出来。。。 | m****u
发帖数: 229 | 2 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*****n
发帖数: 5158 | 3
IRA
i
would
save
't
form 8880
【在 m****u 的大作中提到】
: 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
| d******b
发帖数: 28 | 4 Thanks for the response. You are right, I don't have a Roth account yet but
I'm thinking about opening one now.
I took a look at Form 5498. Seems to me it's a form filed by the financial
institution where you have your Roth IRA account, and you simply receive a
copy from them each year.
So basically there is nothing I need to do/file, right? | m****u
发帖数: 229 | 5
but
financial
You dont need to do anything on ur own really.
Your financial institution should take care of this type of form. But if u
dont get the form next year, then you need to go follow up, maybe something
didn't set up right.
【在 d******b 的大作中提到】
: Thanks for the response. You are right, I don't have a Roth account yet but
: I'm thinking about opening one now.
: I took a look at Form 5498. Seems to me it's a form filed by the financial
: institution where you have your Roth IRA account, and you simply receive a
: copy from them each year.
: So basically there is nothing I need to do/file, right?
| d******b
发帖数: 28 | |
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