h***g
发帖数: 56 | 1 考虑到可能买房时从ROTH IRA里把本金都提出来。如果现在把一个rollover IRA/
traditional IRA(从以前工作单位的401Kroll over的IRA)转成roth ira, 这笔钱在缴
税之后可以算是ROATH IRA的本金contribution吗？可以在以后随时不缴税和没有
penalty的提出来吗？ |
PK
发帖数: 1153 | 2 这种401k过来的好像5年之内不能提出来吧 不太确定
【在 h***g 的大作中提到】
: 考虑到可能买房时从ROTH IRA里把本金都提出来。如果现在把一个rollover IRA/
: traditional IRA(从以前工作单位的401Kroll over的IRA)转成roth ira, 这笔钱在缴
: 税之后可以算是ROATH IRA的本金contribution吗？可以在以后随时不缴税和没有
: penalty的提出来吗？
|
K****D
发帖数: 30533 | 3 It doesn't count. If it does, many people would have taken advantage
of this loophole long time ago and it would have been fixed already
by now.
【在 h***g 的大作中提到】
: 考虑到可能买房时从ROTH IRA里把本金都提出来。如果现在把一个rollover IRA/
: traditional IRA(从以前工作单位的401Kroll over的IRA)转成roth ira, 这笔钱在缴
: 税之后可以算是ROATH IRA的本金contribution吗？可以在以后随时不缴税和没有
: penalty的提出来吗？
|
f****i
发帖数: 20252 | 4 为啥不算？交税后conversion都不行？
【在 K****D 的大作中提到】
: It doesn't count. If it does, many people would have taken advantage
: of this loophole long time ago and it would have been fixed already
: by now.
|
K****D
发帖数: 30533 | 5 10% penalty if withdrawn within 5 years of conversion.
【在 f****i 的大作中提到】
: 为啥不算？交税后conversion都不行？
|
f****i
发帖数: 20252 | 6 哦
原来你回答的No是给LZ第二个问题的
【在 K****D 的大作中提到】
: 10% penalty if withdrawn within 5 years of conversion.
|
K****D
发帖数: 30533 | 7 Nope.
"这笔钱在缴税之后可以算是ROATH IRA的本金contribution吗?"
The answer is also no, because 本金contribution can be withdrawn
at any time without penalty and tax.
【在 f****i 的大作中提到】
: 哦
: 原来你回答的No是给LZ第二个问题的
|
f****i
发帖数: 20252 | 8 roth ira conversion不就是从tradition ira转成roth ira吗?
roth ira本金要5年后才能取
【在 K****D 的大作中提到】
: Nope.
: "这笔钱在缴税之后可以算是ROATH IRA的本金contribution吗?"
: The answer is also no, because 本金contribution can be withdrawn
: at any time without penalty and tax.
|
a*****n
发帖数: 5158 | 9
~~~~~~~~~~~~~~~~~~~谁说的？听说的? 据说的?
【在 f****i 的大作中提到】
: roth ira conversion不就是从tradition ira转成roth ira吗?
: roth ira本金要5年后才能取
|
h****d
发帖数: 358 | 10 you have to wait for 5 years to withdraw the converted money without penalty
.
If you really need cash, you can borrow from your current 401k. If you do
not have enough funds in 401k, you may rollover your IRA back to your
current 401k and most of the plan would allow you to do that. After that,
you can borrow your money from 401k up to 50% of the balance or 50k
whichever is less.
baozi please.
【在 h***g 的大作中提到】
: 考虑到可能买房时从ROTH IRA里把本金都提出来。如果现在把一个rollover IRA/
: traditional IRA(从以前工作单位的401Kroll over的IRA)转成roth ira, 这笔钱在缴
: 税之后可以算是ROATH IRA的本金contribution吗？可以在以后随时不缴税和没有
: penalty的提出来吗？
|
s***n
发帖数: 9499 | 11 If the conversion included amounts that were not taxable (because they came
from a nondeductible IRA), those amounts will not be subject to the 10%
penalty even if they are withdrawn from the Roth prior to the first day of
the fifth year after the date of the conversion. |
s**********d
发帖数: 36899 | 12
contribution什么时候都能提出来没有penalty
conversion五年内提有penalty。
【在 f****i 的大作中提到】
: roth ira conversion不就是从tradition ira转成roth ira吗?
: roth ira本金要5年后才能取
|
