f**********6
发帖数: 365 | 1 There is an income limit for contributing to ROTH IRA. but will not figure
out AGI until tax time in 2015. what if contribution to full limit in 2014
but in 2015 find
out AGI only qualifies partial contribution amount? |
a*****n
发帖数: 5158 | 2 just withdraw the extra amount before 4/15 next year
【在 f**********6 的大作中提到】
: There is an income limit for contributing to ROTH IRA. but will not figure
: out AGI until tax time in 2015. what if contribution to full limit in 2014
: but in 2015 find
: out AGI only qualifies partial contribution amount?
|
s*******g
发帖数: 187 | 3 just deposit to your traditional ira account and then convert (backdoor)
【在 f**********6 的大作中提到】
: There is an income limit for contributing to ROTH IRA. but will not figure
: out AGI until tax time in 2015. what if contribution to full limit in 2014
: but in 2015 find
: out AGI only qualifies partial contribution amount?
|
c*****k
发帖数: 467 | 4
Roth都不够格了，怎么deposit to traditional ira
【在 s*******g 的大作中提到】
: just deposit to your traditional ira account and then convert (backdoor)
|
C*****8
发帖数: 102 | 5
Yes, you can still contribute to traditional ira, but without the tax
deduction benefit.
【在 c*****k 的大作中提到】
:
: Roth都不够格了，怎么deposit to traditional ira
|
f**********6
发帖数: 365 | 6 thank you, do I need to immediately convert back (backdoor) or I can keep
them in traditional IRA? |
C*****8
发帖数: 102 | 7
Whether to convert or not depends on your AGI. If your income, hence AGI,
keeps going up, it might be wise to convert as early as you can, I suppose.
【在 f**********6 的大作中提到】
: thank you, do I need to immediately convert back (backdoor) or I can keep
: them in traditional IRA?
|
f**********6
发帖数: 365 | 8 to do recharacterization, I will need to notify IRS using 8086 form, not
sure if any impact to tax return (had to amend since already filed 2014 tax
return) |
