p**e
发帖数: 533 | 1 想问问，以下两个有什么区别：
1. 直接存$5000 Roth IRA；
2. 存$5000 Non-deductible IRA，然后转换成Roth IRA。
好像没什么区别。为什么IRA要限制Roth IRA的eligibility，但是不限制 non
deductible IRA 和转换的eligibility。
这里面有什么tricks？
谢谢。 | f*******n
发帖数: 12623 | 2 没有区别，如果你没有Traditional IRA的话。如果有Traditional IRA（2）就不是那
样了 | r**m
发帖数: 1825 | 3 如果你可以qualify 直接存，当然应该这么做
2是backdoor roth ira， 有可能会交税。5000 块里需要交税的比例是
（your total IRA - $5000) / (your total IRA).
如果你没有其他任何ira （traditional , rollover etc), then NO tax either.
【在 p**e 的大作中提到】
: 想问问，以下两个有什么区别：
: 1. 直接存$5000 Roth IRA；
: 2. 存$5000 Non-deductible IRA，然后转换成Roth IRA。
: 好像没什么区别。为什么IRA要限制Roth IRA的eligibility，但是不限制 non
: deductible IRA 和转换的eligibility。
: 这里面有什么tricks？
: 谢谢。
| p**e
发帖数: 533 | 4 谢谢，你公式中说的total IRA 不包括Roth IRA吧？
【在 r**m 的大作中提到】
: 如果你可以qualify 直接存，当然应该这么做
: 2是backdoor roth ira， 有可能会交税。5000 块里需要交税的比例是
: （your total IRA - $5000) / (your total IRA).
: 如果你没有其他任何ira （traditional , rollover etc), then NO tax either.
| r**m
发帖数: 1825 | 5 no, it doesn't include Roth IRA
http://www.bogleheads.org/wiki/Backdoor_Roth_IRA
If you have any other (non-Roth) IRAs, the taxable portion of any conversion
you make is prorated over all your IRAs; you cannot convert just the non-
deductible amount.[2] In order to benefit from the backdoor, you must either
convert your other IRAs as well (which may not be a good idea, as you are
usually in a high tax bracket if you need to use the backdoor), or else
transfer your deductible IRA contributions to an employer plan such as a 401
(k) (which may cost you if the 401(k) has poor investment options).
For example, suppose you have just created a new traditional IRA, and you
add $5,000 of non-deductible contributions to it. You'd like to convert this
IRA to a Roth IRA via the backdoor.
Suppose you also have another traditional IRA with $15,000 in deductible pre
-tax contributions. These contributions may have come from a 401(k) rollover
, or from standard deductible traditional IRA contributions from earlier
years when you were eligible to make deductible contributions to a
traditional IRA.
To compute the tax due, you would need to take $5,000 and divide it by $20,
000 (the total value of all your traditional IRAs), to get the percentage of
the conversion that will be tax-free. In this case, it is 25%. Therefore,
the other 75% of your conversion--in this case, $3,750--would be taxable.
This can be viewed with the following formula:
Variables:
C = Amount to Convert to Roth
B = Balances of all pre-tax IRAs
TF = The percentage of the amount you're computing this would be tax-free
TF = 100 * [ C / (C + B)]
【在 p**e 的大作中提到】
: 谢谢，你公式中说的total IRA 不包括Roth IRA吧？
| p**e
发帖数: 533 | 6 多谢！
conversion
either
401
【在 r**m 的大作中提到】
: no, it doesn't include Roth IRA
: http://www.bogleheads.org/wiki/Backdoor_Roth_IRA
: If you have any other (non-Roth) IRAs, the taxable portion of any conversion
: you make is prorated over all your IRAs; you cannot convert just the non-
: deductible amount.[2] In order to benefit from the backdoor, you must either
: convert your other IRAs as well (which may not be a good idea, as you are
: usually in a high tax bracket if you need to use the backdoor), or else
: transfer your deductible IRA contributions to an employer plan such as a 401
: (k) (which may cost you if the 401(k) has poor investment options).
: For example, suppose you have just created a new traditional IRA, and you
| p**e
发帖数: 533 | 7 如果今年4月15日前存2012 的nondeductible traditional IRA, 然后转成Roth IRA。
那报2012年的税，需要说明买了traditional IRA,那要不要报税时也说转换了Roth IRA？
还是报2013年的税的时候再说？
conversion
either
401
【在 r**m 的大作中提到】
: no, it doesn't include Roth IRA
: http://www.bogleheads.org/wiki/Backdoor_Roth_IRA
: If you have any other (non-Roth) IRAs, the taxable portion of any conversion
: you make is prorated over all your IRAs; you cannot convert just the non-
: deductible amount.[2] In order to benefit from the backdoor, you must either
: convert your other IRAs as well (which may not be a good idea, as you are
: usually in a high tax bracket if you need to use the backdoor), or else
: transfer your deductible IRA contributions to an employer plan such as a 401
: (k) (which may cost you if the 401(k) has poor investment options).
: For example, suppose you have just created a new traditional IRA, and you
| c*****x
发帖数: 429 | 8 The conversion from TIRA to ROTH IRA should be reported on the tax return of
the tax year when the conversion occurs. So in your case, it should be on
2013 tax return.
Your contribution to 2012 TIRA, on the other hand, should be reported on tax
form 8606 for the tax year 2012, whether or not the contribution was made
in 2012 or 2013.
IRA？
【在 p**e 的大作中提到】
: 如果今年4月15日前存2012 的nondeductible traditional IRA, 然后转成Roth IRA。
: 那报2012年的税，需要说明买了traditional IRA,那要不要报税时也说转换了Roth IRA？
: 还是报2013年的税的时候再说？
:
: conversion
: either
: 401
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