s*********9 发帖数: 38 | 1 In 08/2009, I deposited $5000 to Roth IRA. Right now its balance is only $
4800. Recently I need this money for first house. Can I withdraw $4800? Is
there penalty? I ask Scottrade that one officier said they will not care.
IRS may have concern.
Any idea?
Thanks a lot |
U********S 发帖数: 1896 | 2 没记错的话ROTH要满5年才能没有罚款买房用,不满5年还是有10%罚款的。 |
a*****n 发帖数: 5158 | 3 那是涨的钱
自己的本金随时取
【在 U********S 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 没记错的话ROTH要满5年才能没有罚款买房用,不满5年还是有10%罚款的。
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s*********9 发帖数: 38 | 4 非常感谢!自己的本金随时取那就好了。
那么就是额外的收入需要交罚金了?
看样子,我没有额外收入的话,就不需要交罚金了? 是不是?
谢谢
【在 a*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 那是涨的钱 : 自己的本金随时取
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s*******y 发帖数: 260 | |
b***t 发帖数: 1104 | 6 that's for earnings
you can withdraw contribution part any time
【在 s*******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 要5年的。看这个link: : http://www.ehow.com/how_2363986_use-roth-ira-buy-house.html
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s*******y 发帖数: 260 | 7 有IRS的相关链接吗?我查的结果是Roth IRA不到59.5岁取出来会有10%的penalty,除
非是第一次买房可以取10,000(但5年之后),还有一些其它的exception。没提本金可
以随时取。
【在 b***t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : that's for earnings : you can withdraw contribution part any time
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b***t 发帖数: 1104 | 8 IRS pub 590:
Is the Distribution From Your Roth IRA a Qualified Distribution?
The portion of the distribution allocable to **earnings** may be subject
to tax and it may be subject to the 10% additional tax.
【在 s*******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 有IRS的相关链接吗?我查的结果是Roth IRA不到59.5岁取出来会有10%的penalty,除 : 非是第一次买房可以取10,000(但5年之后),还有一些其它的exception。没提本金可 : 以随时取。
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s*******y 发帖数: 260 | 9 我想买房把去年存Roth IRA的钱拿出来,做了研究后发现要等5年才行。
你下面引的这段话我也看到了,在page 66那个图表右下角。原文是“The distribution
from the Roth IRA is not a qualified distribution. The portion of the
distribution allocable to earnings may be subject to ‘tax’ and ‘it’ may
be subject to the 10% ‘additional tax’.” 这里讲得很清楚,有几个关键词。第
一个‘tax’ 是指ordinary tax,只有earnings这个“portion”交regular tax。之后
的那个‘it’指的是“the distribution”,也就是总共的withdrawal,要交10%的‘additional tax’(或者说是early withdrawal penalty)。
另外,下面是摘自Pub 590 Page 65,讲什么是“qualified distribution”。第1条就
是说要等contribution超过5年才能取(不然交罚款)。但是如果符合第2条里面的条件的话,就不用交10%罚款了(而且qualified distribution的earnings部分也不用交ordinary tax)。
“What Are Qualified Distributions?
A qualified distribution is any payment or distribution from your Roth IRA
that meets the following requirements.
1. It is made after the 5-year period beginning with the first taxable year
for which a contribution was made to a Roth IRA set up for your benefit, AND
2. The payment or distribution is:
a. Made on or after the date you reach age 59 1/2,
b. Made because you are disabled,
c. Made to a beneficiary or to your estate after your death, or
d. One that meets the requirements listed under First home under Exceptions
in chapter 1 (up to a $10,000 lifetime limit).”
【在 b***t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : IRS pub 590: : Is the Distribution From Your Roth IRA a Qualified Distribution? : The portion of the distribution allocable to **earnings** may be subject : to tax and it may be subject to the 10% additional tax.
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s*******y 发帖数: 260 | 10 对于所有IRA withdrawal,银行都会给发1099R,如果不是qualified Roth IRA
distribution,里面的code会说是subject to 10% early withdrawal penalty,然后
给taxpayer寄一份,再寄张copy给IRS。如果IRS在taxpayer的税表上看不到这部分罚款,
很可能会给notice。 |
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b***t 发帖数: 1104 | 11 that's talking about qualified distribution
early withdraw is NOT qualified distribution, thus subject to additional
tax & penalty, but only for EARNING part
distribution
may
的‘additional tax’(或者说是early withdrawal penalty)。
件的话,就不
用交10%罚款了(而且qualified distribution的earnings部分也不用交ordinary tax
)。
【在 s*******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我想买房把去年存Roth IRA的钱拿出来,做了研究后发现要等5年才行。 : 你下面引的这段话我也看到了,在page 66那个图表右下角。原文是“The distribution : from the Roth IRA is not a qualified distribution. The portion of the : distribution allocable to earnings may be subject to ‘tax’ and ‘it’ may : be subject to the 10% ‘additional tax’.” 这里讲得很清楚,有几个关键词。第 : 一个‘tax’ 是指ordinary tax,只有earnings这个“portion”交regular tax。之后 : 的那个‘it’指的是“the distribution”,也就是总共的withdrawal,要交10%的‘additional tax’(或者说是early withdrawal penalty)。 : 另外,下面是摘自Pub 590 Page 65,讲什么是“qualified distribution”。第1条就 : 是说要等contribution超过5年才能取(不然交罚款)。但是如果符合第2条里面的条件的话,就不用交10%罚款了(而且qualified distribution的earnings部分也不用交ordinary tax)。 : “What Are Qualified Distributions?
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a*****n 发帖数: 5158 | 12 你的本金叫contribution, or principal,与distribution p关系
distribution
may
‘additional tax’(或者说是early withdrawal penalty)。
件的话,就不用交10%罚款了(而且qualified distribution的earnings部分也不用交
ordinary tax)。
【在 s*******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我想买房把去年存Roth IRA的钱拿出来,做了研究后发现要等5年才行。 : 你下面引的这段话我也看到了,在page 66那个图表右下角。原文是“The distribution : from the Roth IRA is not a qualified distribution. The portion of the : distribution allocable to earnings may be subject to ‘tax’ and ‘it’ may : be subject to the 10% ‘additional tax’.” 这里讲得很清楚,有几个关键词。第 : 一个‘tax’ 是指ordinary tax,只有earnings这个“portion”交regular tax。之后 : 的那个‘it’指的是“the distribution”,也就是总共的withdrawal,要交10%的‘additional tax’(或者说是early withdrawal penalty)。 : 另外,下面是摘自Pub 590 Page 65,讲什么是“qualified distribution”。第1条就 : 是说要等contribution超过5年才能取(不然交罚款)。但是如果符合第2条里面的条件的话,就不用交10%罚款了(而且qualified distribution的earnings部分也不用交ordinary tax)。 : “What Are Qualified Distributions?
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s*******y 发帖数: 260 | 13 no,整个部分都算。
tax
【在 b***t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : that's talking about qualified distribution : early withdraw is NOT qualified distribution, thus subject to additional : tax & penalty, but only for EARNING part : : distribution : may : 的‘additional tax’(或者说是early withdrawal penalty)。 : 件的话,就不 : 用交10%罚款了(而且qualified distribution的earnings部分也不用交ordinary tax : )。
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s*******y 发帖数: 260 | 14 你放进去的时候叫contribution,拿出来的时候就叫distribution了。不懂accounting
/tax不要乱讲,会误导别人。你如果把你的所谓本金从Roth IRA取出来,不是
qualified distribution的话,银行一定给你发个1099-R,说是early withdrawal,整部分都要交罚款。
【在 a*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你的本金叫contribution, or principal,与distribution p关系 : : distribution : may : ‘additional tax’(或者说是early withdrawal penalty)。 : 件的话,就不用交10%罚款了(而且qualified distribution的earnings部分也不用交 : ordinary tax)。
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s*******y 发帖数: 260 | 15 你说的那种只有earnings交罚款的情况,是Roth IRA excess contribution的时候,如
果在当年tax due date(含extension)前把多放的拿出来,只有earnings那部分交
regular tax+10% early withdrawal penalty。但如果拿出来晚了,excess
contribution整个部分(含earnings)每年交6%的penalty,然后earnings那部分交
regular tax+10% early withdrawal penalty。
tax
【在 b***t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : that's talking about qualified distribution : early withdraw is NOT qualified distribution, thus subject to additional : tax & penalty, but only for EARNING part : : distribution : may : 的‘additional tax’(或者说是early withdrawal penalty)。 : 件的话,就不 : 用交10%罚款了(而且qualified distribution的earnings部分也不用交ordinary tax : )。
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a*****n 发帖数: 5158 | 16 http://www.irs.gov/publications/p590/ch02.
html#en_US_2010_publink1000231057
读读这一页,你就明白了
你从roth里拿了6000$, 这6000$首先从contribution part扣,
按下面的顺序:
Regular contributions.
Conversion and rollover contributions, on a first-in first-out basis
(generally, total conversions and rollovers from the earliest year
first). See Aggregation (grouping and adding) rules, later. Take these
conversion and rollover contributions into account as follows:
Taxable portion (the amount required to be included in gross income
because of the conversion or rollover) first, and then the
Nontaxable portion.
Earnings on contributions.
accounting
整部分都要交罚款。
【在 s*******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你放进去的时候叫contribution,拿出来的时候就叫distribution了。不懂accounting : /tax不要乱讲,会误导别人。你如果把你的所谓本金从Roth IRA取出来,不是 : qualified distribution的话,银行一定给你发个1099-R,说是early withdrawal,整部分都要交罚款。
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J*****i 发帖数: 2622 | 17 人家说的是对的。你再回去读读Roth相关的IRS Code section。
accounting
整部分都要交罚款。
【在 s*******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你放进去的时候叫contribution,拿出来的时候就叫distribution了。不懂accounting : /tax不要乱讲,会误导别人。你如果把你的所谓本金从Roth IRA取出来,不是 : qualified distribution的话,银行一定给你发个1099-R,说是early withdrawal,整部分都要交罚款。
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a*****n 发帖数: 5158 | 18
distribution
may
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
这里不是说的很清楚明白了,ONLY distribution allocable to earnings要交税
distribution allocable to contribution/conversion是不交税的
‘additional tax’(或者说是early withdrawal penalty)。
件的话,就不用交10%罚款了(而且qualified distribution的earnings部分也不用交
ordinary tax)。
【在 s*******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我想买房把去年存Roth IRA的钱拿出来,做了研究后发现要等5年才行。 : 你下面引的这段话我也看到了,在page 66那个图表右下角。原文是“The distribution : from the Roth IRA is not a qualified distribution. The portion of the : distribution allocable to earnings may be subject to ‘tax’ and ‘it’ may : be subject to the 10% ‘additional tax’.” 这里讲得很清楚,有几个关键词。第 : 一个‘tax’ 是指ordinary tax,只有earnings这个“portion”交regular tax。之后 : 的那个‘it’指的是“the distribution”,也就是总共的withdrawal,要交10%的‘additional tax’(或者说是early withdrawal penalty)。 : 另外,下面是摘自Pub 590 Page 65,讲什么是“qualified distribution”。第1条就 : 是说要等contribution超过5年才能取(不然交罚款)。但是如果符合第2条里面的条件的话,就不用交10%罚款了(而且qualified distribution的earnings部分也不用交ordinary tax)。 : “What Are Qualified Distributions?
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b***t 发帖数: 1104 | 19 ok this will be my last post on this topic.
please read pub 590 http://www.irs.gov/pub/irs-pdf/p590.pdf carefully,
especially following pieces:
pg65 - 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).
which part of distribution is subject to tax & penalty? in early
withdraw situation, it is NOT a qualified distribution, so:
pg66 - Figure 2-1. Is the Distribution From Your Roth IRA a Qualified
Distribution?
The distribution from the Roth IRA is not a qualified distribution. The
portion of the distribution *allocable to earnings* may be subject to
tax and it may be subject to the 10% additional tax.
further more on penalty:
pg67 - Other early distributions
Unless one of the exceptions listed below applies, you must pay the 10%
additional tax on the *taxable part* of any distributions that are not
qualified the year together.
【在 s*******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : no,整个部分都算。 : : tax
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