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
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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.
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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?
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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.
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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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