W*********g
发帖数: 1 | 1 Potential strategies for after-tax 401(k) contributions
Making after-tax contributions allows you to invest more money with the
potential for tax-deferred growth. That's a powerful benefit on its own—but
that's not the end of the story. You could then go a step further and
convert your after-tax contributions to a Roth account. There are a couple
of different ways to accomplish that, including rolling over your balances
to an IRA or doing an in-plan conversion if it's offered by your employer
along with a Roth option.
When you convert after-tax balances to Roth, no taxes would be due on the
conversion of your contributions. But, converting the earnings associated
with those contributions to the Roth option in your workplace savings plan
or a Roth IRA would be a taxable event. So you may want to roll those
earnings to a traditional IRA instead. That strategy is covered more below. | W*********g
发帖数: 1 | 2 为啥earning要交税，已经是after tax contribution了呀。 | W*********g
发帖数: 1 | 3 好像不经过in plan conversion，earning 部分要交税。
好像有说earning 在in plan coversion里是不用交税,一旦要转roth Ira, earning 部
分要交，只能roll 到tradition ira,earning就可以不交 ，这个是对吗 | v***a
发帖数: 903 | 4 帮大佬回答一下
这个跟具体的plan有关
很多plan支持自动当天after tax转roth
Roth了就不交
能不能和什么时候可以转到roth ira也是看plan
: 好像不经过in plan conversion，earning 部分要交税。
: 好像有说earning 在in plan coversion里是不用交税,一旦要转roth Ira
,
earning 部
: 分要交，只能roll 到tradition ira,earning就可以不交 ，这个是对吗
【在 W*********g 的大作中提到】
: 好像不经过in plan conversion，earning 部分要交税。
: 好像有说earning 在in plan coversion里是不用交税,一旦要转roth Ira, earning 部
: 分要交，只能roll 到tradition ira,earning就可以不交 ，这个是对吗
| W*********g
发帖数: 1 | 5 啊，这样啊。就是越早转越好了。
【在 v***a 的大作中提到】
: 帮大佬回答一下
: 这个跟具体的plan有关
: 很多plan支持自动当天after tax转roth
: Roth了就不交
: 能不能和什么时候可以转到roth ira也是看plan
:
:
: 好像不经过in plan conversion，earning 部分要交税。
:
: 好像有说earning 在in plan coversion里是不用交税,一旦要转roth Ira
: ,
: earning 部
|
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