s****g
发帖数: 329 | 1 我知道因为有收入限制，有些人不能直接存ROTH IRA。但如果先存Traditioanl IRA，
之后可以再补交之前defer的税，然后把Traditional IRA转成ROTH IRA却是可以的。可
是如果这样转换一下就可以了，那为什么不直接允许这些人直接投ROTH IRA不就可以了
吗？有人能说说这是为什么吗？谢谢！ |
t***s
发帖数: 4666 | 2 美国人一贯脱裤子放屁的作风。
当然其中一个catch是这个proportional conversion rule.
【在 s****g 的大作中提到】
: 我知道因为有收入限制，有些人不能直接存ROTH IRA。但如果先存Traditioanl IRA，
: 之后可以再补交之前defer的税，然后把Traditional IRA转成ROTH IRA却是可以的。可
: 是如果这样转换一下就可以了，那为什么不直接允许这些人直接投ROTH IRA不就可以了
: 吗？有人能说说这是为什么吗？谢谢！
|
s****g
发帖数: 329 | 3 能不能解释一下，这个proportional conversion rule是个什么意思？现在不是已经把
income limit给取消了吗？那这个proportional conversion是怎么算的呢？ |
X****r
发帖数: 3557 | 4 就是你如果原来有IRA，转换的时候按比例算，不能只转换你新投的那部分。
比如原来已经存了15k的IRA， basis为0(全是税前的)，今年你收入高了，IRA不能抵税
了，也不能直接投Roth，于是你投5k到税后的，然后你转换5k成Roth--但是，你的5k转
换会被看作总共20k(basis为5k)里的5k(basis为1.25k)，你就要交3.75k对应的税。
【在 s****g 的大作中提到】
: 能不能解释一下，这个proportional conversion rule是个什么意思？现在不是已经把
: income limit给取消了吗？那这个proportional conversion是怎么算的呢？
|
s****g
发帖数: 329 | 5 哇，这个解释的非常清楚，谢谢！
【在 X****r 的大作中提到】
: 就是你如果原来有IRA，转换的时候按比例算，不能只转换你新投的那部分。
: 比如原来已经存了15k的IRA， basis为0(全是税前的)，今年你收入高了，IRA不能抵税
: 了，也不能直接投Roth，于是你投5k到税后的，然后你转换5k成Roth--但是，你的5k转
: 换会被看作总共20k(basis为5k)里的5k(basis为1.25k)，你就要交3.75k对应的税。
|
a********h
发帖数: 819 | 6 Da Niu,
yeah, I didn't know this until a few days ago.
I converted 20K(deductible) +5K (non-deductible) to Roth last year, still
have 50K(deductible) in my rollover IRA.
so I only can claim 1.67K basis for the 5K, and still have 3.33K basis in
the rollover IRA.
so if I don't convert more to Roth in 2012 and after 2012 I can't convert
anymore due to income restriction, the 3.33K basis will stay in my IRA until
I start withdrawal in 20-30 years? And at that time, the basis is still 3.
33K? (doesn't grow with the account?)
Can I revert the Roth conversion for the 5K and then revert the 5K non-
deductible contribution?
How does it work? I contributed 5K after-tax cash to IRA and then immediatly
converted to Roth, so it's 5K cash I can revert back and no need to
consider the return of Roth account during last year?
Thanks a lot
【在 X****r 的大作中提到】
: 就是你如果原来有IRA，转换的时候按比例算，不能只转换你新投的那部分。
: 比如原来已经存了15k的IRA， basis为0(全是税前的)，今年你收入高了，IRA不能抵税
: 了，也不能直接投Roth，于是你投5k到税后的，然后你转换5k成Roth--但是，你的5k转
: 换会被看作总共20k(basis为5k)里的5k(basis为1.25k)，你就要交3.75k对应的税。
|
X****r
发帖数: 3557 | 7 Yes, the basis is carried over and will be used when you start to
withdraw.
Where oess this "after 2012 I can't convert anymore due to income
restriction" come from? The income limitation of Roth conversion has
gone once and for all since 2010, until congress pass new laws to
reinstate it, which I don't think they did.
Anyhow, if you changed your mind about your Roth IRA conversion, you can
"re-characterize" it back, as if it never happened. I don't know how (or
whether at all) you can un-do the IRA contribution though.
still
in
convert
until
still 3.
【在 a********h 的大作中提到】
: Da Niu,
: yeah, I didn't know this until a few days ago.
: I converted 20K(deductible) +5K (non-deductible) to Roth last year, still
: have 50K(deductible) in my rollover IRA.
: so I only can claim 1.67K basis for the 5K, and still have 3.33K basis in
: the rollover IRA.
: so if I don't convert more to Roth in 2012 and after 2012 I can't convert
: anymore due to income restriction, the 3.33K basis will stay in my IRA until
: I start withdrawal in 20-30 years? And at that time, the basis is still 3.
: 33K? (doesn't grow with the account?)
|
z**********i
发帖数: 12276 | 8 搭车问一句，我可以从Roth IRA在任何时间拿出我的本金部分吗？
比如，我用钱买东西，卡里没钱了，我可以从Roth里拿出我的本金部分吗？
谢谢！！
【在 s****g 的大作中提到】
: 我知道因为有收入限制，有些人不能直接存ROTH IRA。但如果先存Traditioanl IRA，
: 之后可以再补交之前defer的税，然后把Traditional IRA转成ROTH IRA却是可以的。可
: 是如果这样转换一下就可以了，那为什么不直接允许这些人直接投ROTH IRA不就可以了
: 吗？有人能说说这是为什么吗？谢谢！
|
z**********i
发帖数: 12276 | 9 找到了。
Roth IRAs offer a bit more flexibility. Generally, you may withdraw your
contributions to a Roth penalty-free at any time for any reason, as long as
you don't withdraw any earnings on your investments (as opposed to the
amount you put in) or dollars converted from a traditional IRA before age 59
½. In that case, you'll get hit with that same 10% penalty. Not sure
which money is considered a contribution and which is considered earnings?
The IRS views withdrawals from a Roth IRA in the following order: your
contributions, money converted from traditional IRAs and then earnings. So
if you take out more than you've contributed in total, then you're starting
to dip into conversion dollars or earnings, and will be penalized and taxed
accordingly.
【在 z**********i 的大作中提到】
: 搭车问一句，我可以从Roth IRA在任何时间拿出我的本金部分吗？
: 比如，我用钱买东西，卡里没钱了，我可以从Roth里拿出我的本金部分吗？
: 谢谢！！
|
X****r
发帖数: 3557 | 10 Once you withdraw, you can't put it back, so it is usually not a good idea,
unless you really need the money.
as
59
starting
【在 z**********i 的大作中提到】
: 找到了。
: Roth IRAs offer a bit more flexibility. Generally, you may withdraw your
: contributions to a Roth penalty-free at any time for any reason, as long as
: you don't withdraw any earnings on your investments (as opposed to the
: amount you put in) or dollars converted from a traditional IRA before age 59
: ½. In that case, you'll get hit with that same 10% penalty. Not sure
: which money is considered a contribution and which is considered earnings?
: The IRS views withdrawals from a Roth IRA in the following order: your
: contributions, money converted from traditional IRAs and then earnings. So
: if you take out more than you've contributed in total, then you're starting
|
z**********i
发帖数: 12276 | 11 也没多少钱,到也无所谓.
多谢提醒.
,
【在 X****r 的大作中提到】
: Once you withdraw, you can't put it back, so it is usually not a good idea,
: unless you really need the money.
:
: as
: 59
: starting
|
c*******o
发帖数: 1722 | 12 我是不是每年都可以convert 5K (after tax) to Roth?
thx
【在 X****r 的大作中提到】
: 就是你如果原来有IRA，转换的时候按比例算，不能只转换你新投的那部分。
: 比如原来已经存了15k的IRA， basis为0(全是税前的)，今年你收入高了，IRA不能抵税
: 了，也不能直接投Roth，于是你投5k到税后的，然后你转换5k成Roth--但是，你的5k转
: 换会被看作总共20k(basis为5k)里的5k(basis为1.25k)，你就要交3.75k对应的税。
|
c*******o
发帖数: 1722 | 13 那如果我没有traditional IRA的话，是不是可以每年deposit 5K
to Traditional IRA，然后马上convert to Roth IRA.
这样的话，这5K是不是不用交税？
【在 X****r 的大作中提到】
: 就是你如果原来有IRA，转换的时候按比例算，不能只转换你新投的那部分。
: 比如原来已经存了15k的IRA， basis为0(全是税前的)，今年你收入高了，IRA不能抵税
: 了，也不能直接投Roth，于是你投5k到税后的，然后你转换5k成Roth--但是，你的5k转
: 换会被看作总共20k(basis为5k)里的5k(basis为1.25k)，你就要交3.75k对应的税。
|
t***j
发帖数: 2620 | 14 what about the profit part? For example, now the 20K becomes 25k, does that
5k need to pay tax when converting? Thanks.
【在 X****r 的大作中提到】
: 就是你如果原来有IRA，转换的时候按比例算，不能只转换你新投的那部分。
: 比如原来已经存了15k的IRA， basis为0(全是税前的)，今年你收入高了，IRA不能抵税
: 了，也不能直接投Roth，于是你投5k到税后的，然后你转换5k成Roth--但是，你的5k转
: 换会被看作总共20k(basis为5k)里的5k(basis为1.25k)，你就要交3.75k对应的税。
|
