B****l
发帖数: 56 | 1 请教大家，生娃前就辞职了，之前有几个retirement帐户，应该怎么操作会比较好呢，
是应该去开一个roth ira或者其它的么？
实在是完全不懂，请大家指教。
谢了。 |
S**C
发帖数: 2964 | 2 If your household income will be low this year, converting some of before
tax money to ROTH is a good idea, take advantage of your temporary low tax
rate.
【在 B****l 的大作中提到】
: 请教大家，生娃前就辞职了，之前有几个retirement帐户，应该怎么操作会比较好呢，
: 是应该去开一个roth ira或者其它的么？
: 实在是完全不懂，请大家指教。
: 谢了。
|
B****l
发帖数: 56 | 3 多少算low household income呢， 如果不符合，这些钱应该肿么办呢？
谢谢了。
【在 S**C 的大作中提到】
: If your household income will be low this year, converting some of before
: tax money to ROTH is a good idea, take advantage of your temporary low tax
: rate.
|
S**C
发帖数: 2964 | 4 I suppose you filed tax before, why don't use 2014 tax form to estimate your
taxable income line 43 in FORM-1040 for this year's taxable income, and
find your marginal tax rate to see if it make sense to do it now, since a
year from now your household income may back up. Otherwise, you may leave
the money alone, or consolidate to a single rollover IRA from 401(k). But do
NOT commingle 401(k) money with your other IRA money.
【在 B****l 的大作中提到】
: 多少算low household income呢， 如果不符合，这些钱应该肿么办呢？
: 谢谢了。
|
r****m
发帖数: 1204 | 5
2015 Roth contribution phase out range for Married Filing Jointly is $183K-$
193K.
If you will experience significant household income drop this year, it's a
good idea to convert to Roth - you will have to pay tax this year (which is
the reason you want to do the conversion while tax rate is lower this year),
but you will never have to pay tax again for that money.
【在 B****l 的大作中提到】
: 多少算low household income呢， 如果不符合，这些钱应该肿么办呢？
: 谢谢了。
|
