N****g 发帖数: 2829 | 1 以前一直max out roth ira,401k只是放到employer match的上限。最近换工作才发现
401k可以全都变成Roth IRA,rollover一下就可以。max 401K 就等于max out Roth啊
,早知道应该max out 401k了。 |
l*****e 发帖数: 424 | |
N****g 发帖数: 2829 | 3 Roth 上限每年5千,401k上限每年1万7,只要你max out 401K,然后每隔几年跳一跳槽
,实际的Roth每年上限就变成5k + 17k = 22k
【在 l*****e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 没看明白
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l*****e 发帖数: 424 | |
X****r 发帖数: 3557 | 5 有些雇主本身就有Roth 401k
【在 N****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 以前一直max out roth ira,401k只是放到employer match的上限。最近换工作才发现 : 401k可以全都变成Roth IRA,rollover一下就可以。max 401K 就等于max out Roth啊 : ,早知道应该max out 401k了。
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N****g 发帖数: 2829 | 6 So? Roth本来都是税后的。
★ 发自iPhone App: ChineseWeb - 中文网站浏览器
【在 l*****e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 但rollover的时候不是要补税么?
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l*******g 发帖数: 137 | 7 可以全rollover? 这个牛!我还以为roth IRA 无论直接投的还是rollover进来的,
每年总共5000 呢。 |
l*******g 发帖数: 137 | 8 可以全rollover? 我还以为roth IRA 无论直接投的还是rollover进来的,
每年总共5000 呢。 |
l*****e 发帖数: 424 | 9 这个看来还不错。非得跳槽才能rollover到roth吗? |
N****g 发帖数: 2829 | 10 跳槽或者中止雇佣。除此以外,我不知道还有什么方法把401k rollover出来的。 |
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S**C 发帖数: 2964 | 11 Your 401(k) may not be ROTH 401(k).
【在 N****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : So? Roth本来都是税后的。 : : ★ 发自iPhone App: ChineseWeb - 中文网站浏览器
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S**C 发帖数: 2964 | 12 Even so, company match may remain to be traditional.
【在 X****r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有些雇主本身就有Roth 401k
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N****g 发帖数: 2829 | 13 It is not Roth 401k, just 401k。 So?
【在 S**C 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Your 401(k) may not be ROTH 401(k).
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b*******f 发帖数: 428 | 14 rollover那年的AGI是不是受影响?会多交好多税? rollover过来contribute到roth,
也是随时可以取出来? |
N****g 发帖数: 2829 | 15 AGI是受影响,但tax bracket不受影响,因为tax rate is based on your pre-
rollover AGI。当年会多交税,但不会把你当年的税率抬高。也不会让你当年用以计算
Roth contribution资格的mAGI抬高。
rollover过来的部分不能随时可以取出来,只有每年投进去的$5000本金可以随时取出
来。
http://www.your-roth-ira.com/401k-rollover-to-a-roth-ira.html
“For tax purposes, you simply add the full amount of the rollover
distribution to your adjustable gross income (AGI).
But don't worry about your rollover pushing you into a higher tax bracket.
The tax rate you pay is based on your pre-rollover AGI, not your post-
rollover AGI.”
http://www.your-roth-ira.com/withdrawing-roth-ira-principal.htm
"Withdrawing Roth IRA principal is always tax-free and penalty-free.
Only early withdrawal of rollover funds, conversion funds, or investment
gains will ever trigger an income tax bill or an early withdrawal penalty."
,
【在 b*******f 的大作中提到】![](/moin_static193/solenoid/img/up.png) : rollover那年的AGI是不是受影响?会多交好多税? rollover过来contribute到roth, : 也是随时可以取出来?
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b*******f 发帖数: 428 | |
c*******n 发帖数: 40 | 17 You could end up in a higher bracket now: Because the distribution from your
traditional 401K for rollover into a Roth is treated as income, it might
actually put you in a higher tax bracket, depending on how much you convert,
and how close you are to the next tax bracket.
【在 N****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : AGI是受影响,但tax bracket不受影响,因为tax rate is based on your pre- : rollover AGI。当年会多交税,但不会把你当年的税率抬高。也不会让你当年用以计算 : Roth contribution资格的mAGI抬高。 : rollover过来的部分不能随时可以取出来,只有每年投进去的$5000本金可以随时取出 : 来。 : http://www.your-roth-ira.com/401k-rollover-to-a-roth-ira.html : “For tax purposes, you simply add the full amount of the rollover : distribution to your adjustable gross income (AGI). : But don't worry about your rollover pushing you into a higher tax bracket. : The tax rate you pay is based on your pre-rollover AGI, not your post-
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N****g 发帖数: 2829 | 18 这么说我上面链接里面说的下面这句是错的?
"But don't worry about your rollover pushing you into a higher tax bracket.
The tax rate you pay is based on your pre-rollover AGI, not your post-
rollover AGI."
your
convert,
【在 c*******n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : You could end up in a higher bracket now: Because the distribution from your : traditional 401K for rollover into a Roth is treated as income, it might : actually put you in a higher tax bracket, depending on how much you convert, : and how close you are to the next tax bracket.
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s**********d 发帖数: 36899 | 19 too good to be true?
如果有一年不幸失业只赚了很少的钱,0%税,你可以借机把所有401k转成
Roth,一分税不付?
.
【在 N****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 这么说我上面链接里面说的下面这句是错的? : "But don't worry about your rollover pushing you into a higher tax bracket. : The tax rate you pay is based on your pre-rollover AGI, not your post- : rollover AGI." : : your : convert,
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N****g 发帖数: 2829 | 20 看来那个链接的说法不对。401k rollover出来有可能让你进入当年的高一级tax
bracket。
但是否可以分几年rollover出来,假设平均4年跳一次槽,那跳槽后的每年rollover 1/
4,这样也可减轻4年一次集中rollover数量过大带来的冲击。或者根据自己每年的收入
情况,比如失业那年多rollover一些出来。
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : too good to be true? : 如果有一年不幸失业只赚了很少的钱,0%税,你可以借机把所有401k转成 : Roth,一分税不付? : : .
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a*******8 发帖数: 2299 | 21 正确
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : too good to be true? : 如果有一年不幸失业只赚了很少的钱,0%税,你可以借机把所有401k转成 : Roth,一分税不付? : : .
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c**********0 发帖数: 624 | 22 designated Roth IRA. the limit is not $16,500 but up to $49,000 |