u****x 发帖数: 349 | 1 这周知道Roth帐号钱放进去就要60岁后取。
发现没有什么好处。 |
f*******n 发帖数: 12623 | |
i***i 发帖数: 1632 | |
s*****c 发帖数: 753 | 4 错,本金随时可以取,无penalty.收益在一些情况下也可提前取,无penalty.
【在 u****x 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 这周知道Roth帐号钱放进去就要60岁后取。 : 发现没有什么好处。
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w******l 发帖数: 463 | 5 ?? too good to be true le ba?
【在 s*****c 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 错,本金随时可以取,无penalty.收益在一些情况下也可提前取,无penalty.
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g*******s 发帖数: 490 | |
u****x 发帖数: 349 | 7 你取过吗
【在 g*******s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 本金是可以随便取,那个是税后的钱
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s*****c 发帖数: 753 | 8 That is why there are income limit for putting money into RothIRA. And you
can only put $5000 a year.
Just google any RothIRA document, read it yourself.
【在 w******l 的大作中提到】![](/moin_static193/solenoid/img/up.png) : ?? too good to be true le ba?
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s*******e 发帖数: 4188 | 9 Can you point out in which part of the following document it says there's no
penalty to withdrawal the contribution at any time?
http://www.fool.com/money/allaboutiras/allaboutiras07.htm
【在 s*****c 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 错,本金随时可以取,无penalty.收益在一些情况下也可提前取,无penalty.
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f*******n 发帖数: 12623 | 10 http://www.fool.com/money/allaboutiras/allaboutiras03.htm
It also allows you great flexibility by allowing you, in many cases, to
withdraw your principal contributions at any time tax-free, without penalty.
http://www.fool.com/money/allaboutiras/allaboutiras06.htm
Remember that, under the Roth IRA rules and unlike the rules for a regular
IRA, you can first remove your contributions without tax or penalty.
no
【在 s*******e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Can you point out in which part of the following document it says there's no : penalty to withdrawal the contribution at any time? : http://www.fool.com/money/allaboutiras/allaboutiras07.htm
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s*****m 发帖数: 8094 | 11 请在官网的解读里指出出去
http://www.irs.gov/publications/p590/ch02.html#en_US_2010_publi
没看到任何“any time tax-free”这种说法?哪里??
penalty.
【在 f*******n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : http://www.fool.com/money/allaboutiras/allaboutiras03.htm : It also allows you great flexibility by allowing you, in many cases, to : withdraw your principal contributions at any time tax-free, without penalty. : http://www.fool.com/money/allaboutiras/allaboutiras06.htm : Remember that, under the Roth IRA rules and unlike the rules for a regular : IRA, you can first remove your contributions without tax or penalty. : : no
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f*******n 发帖数: 12623 | 12 Are Distributions Taxable?
You generally do not include in your gross income qualified distributions or
distributions that are a return of your regular contributions from your
Roth IRA(s).
【在 s*****m 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 请在官网的解读里指出出去 : http://www.irs.gov/publications/p590/ch02.html#en_US_2010_publi : 没看到任何“any time tax-free”这种说法?哪里?? : : penalty.
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z********e 发帖数: 8818 | 13 我咋记得本金是五年以后去没panelty?
【在 g*******s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 本金是可以随便取,那个是税后的钱
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i******e 发帖数: 1720 | 14 Reading comprehension.
1) qualified distributions
2) distributions that are a return of your regular contributions from your
Roth IRA(s)
我的理解是,1)是针对本金。2)是针对收益
本金的话要qualified distributions才不加在gross income 里。 按着那位id贴的官
网link的flow chart 检查你的本金部分的distruibution 是 否qualified distributions
or
【在 f*******n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Are Distributions Taxable? : You generally do not include in your gross income qualified distributions or : distributions that are a return of your regular contributions from your : Roth IRA(s).
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s*****c 发帖数: 753 | 15 No.
If it is qualified distribution, the entire distribution is tax-free.
If it is not a qualified distribution, then "the portion of distribution
allocable to EARNINGS may be subject to tax".
Note that the new law passed a few years ago allows people to roll over
traditional IRA to RothIRA. This create some complications. So the example
in IRS documents are dedicates to that. However, this 3rd party webpage
explains how to understand the IRS document:
http://www.mymoneyblog.com/can-i-really-withdraw-my-roth-ira-co
"Busted? Not quite. Not all unqualified withdrawals are taxable. Going to
How Do You Figure the Taxable Part?, we are directed to Worksheet 2-3,
titled “Figuring the Taxable Part of a Distribution (Other Than a Qualified
Distribution) From a Roth IRA”. This worksheet is totally confusing, but
if you run through it, you will see that in the end you subtract out line 12
– “the total of all your contributions to all of your Roth IRAs”. So,
although it is an unqualified distribution, taking out your contributions is
not taxable."
distributions
【在 i******e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Reading comprehension. : 1) qualified distributions : 2) distributions that are a return of your regular contributions from your : Roth IRA(s) : 我的理解是,1)是针对本金。2)是针对收益 : 本金的话要qualified distributions才不加在gross income 里。 按着那位id贴的官 : 网link的flow chart 检查你的本金部分的distruibution 是 否qualified distributions : : or
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u****x 发帖数: 349 | 16 虽然没有明确说明“any time tax-free”, 但是用的他aggregation 原则可以推导出来。本
金any time不用交税。
另外,当报税的时候,如果当年从ROTH取本金了,要填写Form 8606
http://www.irs.gov/pub/irs-pdf/f8606.pdf
从Form 8606 中 line 26, e.g. 5000
Line 29 5000 (说明 http://www.irs.gov/pub/irs-pdf/i8606.pdf 就是应用
aggregation 原则)
相减=0,
就是不用交税。
鉴证完毕。
http://www.irs.gov/publications/p590/ch02.html#en_US_2010_publi
079
【在 s*****m 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 请在官网的解读里指出出去 : http://www.irs.gov/publications/p590/ch02.html#en_US_2010_publi : 没看到任何“any time tax-free”这种说法?哪里?? : : penalty.
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