m**********w
发帖数: 4161 | 1 问题难度不小，继续悬赏五个包子。
我有一个401k rollover的ira，一万，还有一个non-deductible的，一万五。
现在税率很高，所以只想转non-deductible。
有一种说法是即使只转这一万五，仍然要按比例纳税，因为转换时IRS认为这两个帐号
是混合起来的。那么转一万五，里面有六千来自rollover，九千来自non-deductible，
这样六千要纳税。
http://www.money-zine.com/Financial-Planning/Retirement/2010-Roth-IRA-Conversions/
Example 3
If you have an existing traditional IRA (with tax-deductible contributions) and you start to fund a non-deductible IRA, then you need to be aware that tax rules state that any conversion is done on a pro-rata basi |
t***s
发帖数: 4666 | 2
) and you start to fund a non-deductible IRA, then you need to be aware that
tax rules state that any conversion is done on a pro-rata basis. Let's say
you had $100,000 in a regula:
000 because the pro-rata share of your non-deductible contributions is only
$5,000.
？这样将来
yes. don't know about the second one. but you're supposed to track the base
of
ira every year.
yes, yes.
【在 m**********w 的大作中提到】
: 问题难度不小，继续悬赏五个包子。
: 我有一个401k rollover的ira，一万，还有一个non-deductible的，一万五。
: 现在税率很高，所以只想转non-deductible。
: 有一种说法是即使只转这一万五，仍然要按比例纳税，因为转换时IRS认为这两个帐号
: 是混合起来的。那么转一万五，里面有六千来自rollover，九千来自non-deductible，
: 这样六千要纳税。
: http://www.money-zine.com/Financial-Planning/Retirement/2010-Roth-IRA-Conversions/
: Example 3
: If you have an existing traditional IRA (with tax-deductible contributions) and you start to fund a non-deductible IRA, then you need to be aware that tax rules state that any conversion is done on a pro-rata basi
|
m**********w
发帖数: 4161 | 3
that
say
only
base
关键我将来取钱时怎么向IRS说明呢？
第一个我想了是可行。但第二个你确定可以吗？到时候怎么报税呢？IRS怎么检查这个
pro-rata条件？
【在 t***s 的大作中提到】
:
: ) and you start to fund a non-deductible IRA, then you need to be aware that
: tax rules state that any conversion is done on a pro-rata basis. Let's say
: you had $100,000 in a regula:
: 000 because the pro-rata share of your non-deductible contributions is only
: $5,000.
: ？这样将来
: yes. don't know about the second one. but you're supposed to track the base
: of
: ira every year.
|
t***s
发帖数: 4666 | 4
there's a form to track ira base every year.
same as above. there's a form to track the ira base every eyar.
form 8606.
if you never filed 8606 before for your non-deductible trad ira, you're
kind of screwed.
【在 m**********w 的大作中提到】
:
: that
: say
: only
: base
: 关键我将来取钱时怎么向IRS说明呢？
: 第一个我想了是可行。但第二个你确定可以吗？到时候怎么报税呢？IRS怎么检查这个
: pro-rata条件？
|
m**********w
发帖数: 4161 | 5 多谢。包子送上。
【在 t***s 的大作中提到】
:
: there's a form to track ira base every year.
: same as above. there's a form to track the ira base every eyar.
: form 8606.
: if you never filed 8606 before for your non-deductible trad ira, you're
: kind of screwed.
|
t***s
发帖数: 4666 | 6 just read form 8606 in it's entirety. you'll know. it's gonna be the
same form, except for the $100k income limit.
【在 m**********w 的大作中提到】
: 多谢。包子送上。
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m**********w
发帖数: 4161 | 7 是。以前没注意过这个表。其实说的很清楚了。
【在 t***s 的大作中提到】
: just read form 8606 in it's entirety. you'll know. it's gonna be the
: same form, except for the $100k income limit.
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