n******p
发帖数: 144 | 1 2010年的IRA可以迟至2011-4-15号之前交，如果我现在2011年三月交IRA,$5000， 那
报2010年税时，这笔钱可以用来抵税吗？如果是，必须是traditionalIRA吗？Roth IRA
不算是吗？ | h***b
发帖数: 1233 | 2 as long as before 4/15, traditional IRA contribution is tax deductible for
2010.
Roth is NOT deductible but not taxable at withdrawal either.
watch out for phase out if you also have retirement acct (401k alike) at
work
IRA
【在 n******p 的大作中提到】
: 2010年的IRA可以迟至2011-4-15号之前交，如果我现在2011年三月交IRA,$5000， 那
: 报2010年税时，这笔钱可以用来抵税吗？如果是，必须是traditionalIRA吗？Roth IRA
: 不算是吗？
| n******p
发帖数: 144 | 3 I am working in University at Texas, so we have the state teachers
retirement plan, will it affect? or can that part be tax-deductible?
【在 h***b 的大作中提到】
: as long as before 4/15, traditional IRA contribution is tax deductible for
: 2010.
: Roth is NOT deductible but not taxable at withdrawal either.
: watch out for phase out if you also have retirement acct (401k alike) at
: work
:
: IRA
| h***b
发帖数: 1233 | 4 all employer-sponsored retirement plans (401k, 403b, etc.) count. money you
contribute gets deducted from gross payroll on pre-tax basis. so you're
getting the benefit.
【在 n******p 的大作中提到】
: I am working in University at Texas, so we have the state teachers
: retirement plan, will it affect? or can that part be tax-deductible?
| H********e
发帖数: 245 | 5 can you elaborate on "phase out" here?
as far as I know, Roth IRA phase out rules only depend on your modified
AGI, compared to the income limit set by IRS, and has nothing to do
with your 401K
deductible for
at
【在 h***b 的大作中提到】
: as long as before 4/15, traditional IRA contribution is tax deductible for
: 2010.
: Roth is NOT deductible but not taxable at withdrawal either.
: watch out for phase out if you also have retirement acct (401k alike) at
: work
:
: IRA
| n******p
发帖数: 144 | 6 thanks,I think that is why my total income is 32k, but only 30k are eligible
for Federal tax. still a poor guy.
you
【在 h***b 的大作中提到】
: all employer-sponsored retirement plans (401k, 403b, etc.) count. money you
: contribute gets deducted from gross payroll on pre-tax basis. so you're
: getting the benefit.
| h***b
发帖数: 1233 | 7 check out this table re phase out on traditional IRA deductibility--single
vs married, per MAGI
http://www.irs.gov/retirement/participant/article/0,,id=188235,
【在 H********e 的大作中提到】
: can you elaborate on "phase out" here?
: as far as I know, Roth IRA phase out rules only depend on your modified
: AGI, compared to the income limit set by IRS, and has nothing to do
: with your 401K
:
: deductible for
: at
| H********e
发帖数: 245 | 8 I see, you were talking about traditional IRA, I was referring to Roth
IRA.
single
http://www.irs.gov/retirement/participant/article/0,,id=188235,
【在 h***b 的大作中提到】
: check out this table re phase out on traditional IRA deductibility--single
: vs married, per MAGI
: http://www.irs.gov/retirement/participant/article/0,,id=188235,
|
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