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】![](/moin_static193/solenoid/img/up.png) : 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】![](/moin_static193/solenoid/img/up.png) : 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?
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