V***r
发帖数: 78 | |
s*****g
发帖数: 5159 | 2 等退休再取:D
【在 V***r 的大作中提到】
: 如果取出，算early withdraw吗？
|
a*******i
发帖数: 11664 | 3 roll over to ira, then convert to roth ira?
【在 V***r 的大作中提到】
: 如果取出，算early withdraw吗？
|
s**********d
发帖数: 36899 | 4
如果中国收入不报，是不是每年转一两万的话一分钱税都不用交了？
【在 a*******i 的大作中提到】
: roll over to ira, then convert to roth ira?
|
S****Y
发帖数: 4634 | 5 no
【在 s**********d 的大作中提到】
:
: 如果中国收入不报，是不是每年转一两万的话一分钱税都不用交了？
|
m**********w
发帖数: 4161 | 6 early penalty 10%.
【在 S****Y 的大作中提到】
: no
|
S****Y
发帖数: 4634 | 7 no
【在 m**********w 的大作中提到】
: early penalty 10%.
|
l*u
发帖数: 2090 | 8 算
【在 V***r 的大作中提到】
: 如果取出，算early withdraw吗？
|
w*******d
发帖数: 3714 | 9 我也觉得每年转一点出来，应该就收10%的罚款+联邦收入税吧？ |
k******1
发帖数: 315 | 10 还每年什么，401K就一大坑，等到退休吧。
不过，退休后好像不管你在什么地方，抽税后应该都返还给你。
【在 w*******d 的大作中提到】
: 我也觉得每年转一点出来，应该就收10%的罚款+联邦收入税吧？
|
|
|
S****Y
发帖数: 4634 | 11 what you should do is, transfer it to traditional ira, convert it to roth
every year up to personal exemption tax free, which is around 3500 these
days.
【在 w*******d 的大作中提到】
: 我也觉得每年转一点出来，应该就收10%的罚款+联邦收入税吧？
|
w*******d
发帖数: 3714 | 12 恩很有道理！
那样就损失10%就行了
【在 S****Y 的大作中提到】
: what you should do is, transfer it to traditional ira, convert it to roth
: every year up to personal exemption tax free, which is around 3500 these
: days.
|
s******d
发帖数: 323 | 13 I don't think you understand him..
【在 w*******d 的大作中提到】
: 恩很有道理！
: 那样就损失10%就行了
|
s**********d
发帖数: 36899 | 14
转IRA没有罚款，再加上没有税，100%回头到自己手。
【在 w*******d 的大作中提到】
: 恩很有道理！
: 那样就损失10%就行了
|
S****Y
发帖数: 4634 | 15 there is, however, one caveat with this strategy:
in order to convert from traditional ira into roth ira, you will need to
either file married jointly, or single.
if you return to china without greencard, you can't file as RA any more.
but NRA can't file married jointly, so how can married NRA do it?
there is a creative solution to that, you guys can read the pub.
【在 S****Y 的大作中提到】
: what you should do is, transfer it to traditional ira, convert it to roth
: every year up to personal exemption tax free, which is around 3500 these
: days.
|
w*******d
发帖数: 3714 | 16 我是想转完roth IRA以后把钱取出来的，所以early withdraw总归有罚款的啊？
【在 s**********d 的大作中提到】
:
: 转IRA没有罚款，再加上没有税，100%回头到自己手。
|
s*******h
发帖数: 916 | 17 3500这个数是什么？现在不是5000吗？
【在 S****Y 的大作中提到】
: what you should do is, transfer it to traditional ira, convert it to roth
: every year up to personal exemption tax free, which is around 3500 these
: days.
|
a*******i
发帖数: 11664 | 18 roth ira contribution part withdraw没有罚款
【在 w*******d 的大作中提到】
: 我是想转完roth IRA以后把钱取出来的，所以early withdraw总归有罚款的啊？
|
w*******d
发帖数: 3714 | 19 roth ira early withdrawl 也没有罚款？59.5岁之前？
【在 a*******i 的大作中提到】
: roth ira contribution part withdraw没有罚款
|
w*******d
发帖数: 3714 | 20 又看了一些网上资料，我的理解是，traditional ira转成roth ira以后，要过5年，然
后该部分转过去的本金可以免税免罚款取出；赚的钱怎么算我就不知道了。。。
http://www.investopedia.com/university/retirementplans/rothira/rothira3.asp
这里有一个表格好像还比较说明问题。 |
w*******d
发帖数: 3714 | 21 Example #4
Rick converted $15,000 from his traditional IRA to a Roth IRA in 1999, and
another $20,000 from a second traditional IRA in 2003. These conversions
were all taxable to Rick when they occurred because he had made no non-
deductible contributions to his traditional IRAs. He has no other Roth IRAs
and he has not made any additional contributions to this Roth IRA since the
original conversions.
In 2006, when Rick is still under age 59 1/2, he takes a distribution of $15
,000. Is this dist |
d******b
发帖数: 28 | 22 能不能具体指点一下你最后提到的“creative solution”在哪里找？ 我一直没找到。
因为2010年在美国没有收入，感觉是把401(k) convert 到Roth IRA 的好机会。 但不
清楚为什么一定要married file jointly. 谢谢。
【在 S****Y 的大作中提到】
: there is, however, one caveat with this strategy:
: in order to convert from traditional ira into roth ira, you will need to
: either file married jointly, or single.
: if you return to china without greencard, you can't file as RA any more.
: but NRA can't file married jointly, so how can married NRA do it?
: there is a creative solution to that, you guys can read the pub.
|
