h***e 发帖数: 866 | 1 couple (A and B), 目前无traditional IRA和Roth IRA。有两个可以rollover的帐户
,一个是401k,可以rollover到IRA,另一个非401k,但可直接rollover到Roth IRA.
2009,A有401k,B无,AGI < 166k,所以:
(1) B qualify 5k traditional IRA;
(2) A和B各qualify 5k roth IRA。
退税前,可以选择的操作有以下几个,看看对不对,值不值。
(5年内海归概率50%,明年将不qualify IRA和roth IRA,再往后,看不清楚,很可能
不qualify)
(1) B存5k traditional IRA,这样可以多5k tax deductable;
(2) A和B各存5k roth IRA,好处earning如果60后取不交税;因目前无股票帐户,可以
拿来练手,是不是比直接开个股票帐户强?
(3) rollover 401k(20k)到IRA,然后再rollover到roth IRA (不清楚可不可以在4/15
之前搞定), 要交的州税和联邦略大 |
K****D 发帖数: 30533 | 2 Why A qualify traditional IRA but B doesn't? @_@
Can A do traditional and B do Roth?
IMO for you guys traditional and Roth IRA are about the same.
If you are super savers then maybe Roth is slightly better.
For most other situations traditional might be slightly better.
But it's really hard to tell (too many uncertainties in the
future).
Don't rollover to Roth now. You can roll over the 401k, but
don't rollover again to Roth. 30% tax is still too high, esp.
when you have a 50% chance to haigui.
【在 h***e 的大作中提到】 : couple (A and B), 目前无traditional IRA和Roth IRA。有两个可以rollover的帐户 : ,一个是401k,可以rollover到IRA,另一个非401k,但可直接rollover到Roth IRA. : 2009,A有401k,B无,AGI < 166k,所以: : (1) B qualify 5k traditional IRA; : (2) A和B各qualify 5k roth IRA。 : 退税前,可以选择的操作有以下几个,看看对不对,值不值。 : (5年内海归概率50%,明年将不qualify IRA和roth IRA,再往后,看不清楚,很可能 : 不qualify) : (1) B存5k traditional IRA,这样可以多5k tax deductable; : (2) A和B各存5k roth IRA,好处earning如果60后取不交税;因目前无股票帐户,可以
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h***e 发帖数: 866 | 3 oops,写错了,是B qualify traditional IRA,因为B没有401k,A有
【在 K****D 的大作中提到】 : Why A qualify traditional IRA but B doesn't? @_@ : Can A do traditional and B do Roth? : IMO for you guys traditional and Roth IRA are about the same. : If you are super savers then maybe Roth is slightly better. : For most other situations traditional might be slightly better. : But it's really hard to tell (too many uncertainties in the : future). : Don't rollover to Roth now. You can roll over the 401k, but : don't rollover again to Roth. 30% tax is still too high, esp. : when you have a 50% chance to haigui.
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w*****t 发帖数: 130 | 4
【在 h***e 的大作中提到】 : couple (A and B), 目前无traditional IRA和Roth IRA。有两个可以rollover的帐户 : ,一个是401k,可以rollover到IRA,另一个非401k,但可直接rollover到Roth IRA. : 2009,A有401k,B无,AGI < 166k,所以: : (1) B qualify 5k traditional IRA; : (2) A和B各qualify 5k roth IRA。 : 退税前,可以选择的操作有以下几个,看看对不对,值不值。 : (5年内海归概率50%,明年将不qualify IRA和roth IRA,再往后,看不清楚,很可能 : 不qualify) : (1) B存5k traditional IRA,这样可以多5k tax deductable; : (2) A和B各存5k roth IRA,好处earning如果60后取不交税;因目前无股票帐户,可以
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w*****t 发帖数: 130 | 5 The sum of B's traditional IRA and roth IRA contribution cannot exceed 5K.
【在 h***e 的大作中提到】 : couple (A and B), 目前无traditional IRA和Roth IRA。有两个可以rollover的帐户 : ,一个是401k,可以rollover到IRA,另一个非401k,但可直接rollover到Roth IRA. : 2009,A有401k,B无,AGI < 166k,所以: : (1) B qualify 5k traditional IRA; : (2) A和B各qualify 5k roth IRA。 : 退税前,可以选择的操作有以下几个,看看对不对,值不值。 : (5年内海归概率50%,明年将不qualify IRA和roth IRA,再往后,看不清楚,很可能 : 不qualify) : (1) B存5k traditional IRA,这样可以多5k tax deductable; : (2) A和B各存5k roth IRA,好处earning如果60后取不交税;因目前无股票帐户,可以
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