t*m 发帖数: 4414 | 1 两个月前问了这个问题,没有得到满意答案。
再借宝地一问,请老爷太太们指点。
我和夫人的401K都放满了。529每个月放$1400.
收入原因,不能放roth ira. 也不讨论roth conversion
我每个月结余的银子都进taxable account
我应该放non-deductible traditional ira 吗?
缺点当然是钱不容易拿出来了,(但是我用到这些钱的可能性很小)
优点是tax-deferred growth
我应该买non-deductible traditional ira吗? |
t***s 发帖数: 4666 | 2 convert to roth.
【在 t*m 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 两个月前问了这个问题,没有得到满意答案。 : 再借宝地一问,请老爷太太们指点。 : 我和夫人的401K都放满了。529每个月放$1400. : 收入原因,不能放roth ira. 也不讨论roth conversion : 我每个月结余的银子都进taxable account : 我应该放non-deductible traditional ira 吗? : 缺点当然是钱不容易拿出来了,(但是我用到这些钱的可能性很小) : 优点是tax-deferred growth : 我应该买non-deductible traditional ira吗?
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t*m 发帖数: 4414 | 3 还有很多普通的 traditional ira
convert的话,cost很大。
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : convert to roth.
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c****o 发帖数: 32446 | 4 可以convert一部分
【在 t*m 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 还有很多普通的 traditional ira : convert的话,cost很大。
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m**********r 发帖数: 887 | 5 Since LZ is not qualified for Roth IRA, max out 401K, 529 and still have
bunch of money to invest, I assume LZ is in the highest tax basket now, so
convert traditonal IRA to Roth is not a good idea now IMHO.
And non-deductible traditional ira is suitable in LZ's situation. |
t***s 发帖数: 4666 | 6 why would you have that? doesn't make much sense. if they are all
from roll-over, roll them over to 401k.
【在 t*m 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 还有很多普通的 traditional ira : convert的话,cost很大。
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t*m 发帖数: 4414 | 7 (1) yes. roll over to 401K can avoid the tax on roth ira convertion.
(2) what can I say for people don't currently have 401K?
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : why would you have that? doesn't make much sense. if they are all : from roll-over, roll them over to 401k.
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t***s 发帖数: 4666 | 8 why did you roll over your 401k in the first place?
leave the roll-over ira alone as a conduit ira.
open another t-ira as non-deductible ira. wait until
you have 401k and roll-over the conduit ira, then convert
the non-deductible ira to roth.
【在 t*m 的大作中提到】![](/moin_static193/solenoid/img/up.png) : (1) yes. roll over to 401K can avoid the tax on roth ira convertion. : (2) what can I say for people don't currently have 401K?
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t*m 发帖数: 4414 | 9 (1) yes. this is one solution. a good one.
(2) let's assume I won't have 401K account anymore, should I still put money
into non-deductible ira?
thanks.
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : why did you roll over your 401k in the first place? : leave the roll-over ira alone as a conduit ira. : open another t-ira as non-deductible ira. wait until : you have 401k and roll-over the conduit ira, then convert : the non-deductible ira to roth.
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