j****9
发帖数: 2295 | 1 如果我年底开个传统IRA，存满今年的额度，明年全部再转成Roth IRA，这样划算不划
算？省税的角度。 | m****u
发帖数: 229 | 2 If you have ppl in your pocket who can write the laws, sure, u can.
If you make $5000 this year and if you make $0 next year, the $5000 you put
into Trad. IRA this year will be taxed next year because you converted it
into Roth IRA.
You saved about one full year of tax on the $5000 that you put into Trad.
IRA.
But as we all know the lowest tax rate is 10%? or 15%... Let's assume it's
10%, then that means you will pay 10% of the $5000 which is $500.
We know there are other standard craps you can use on 1040 form so you may
be allowed to earn more than $5000 a year and still pay $0 tax.
If you already make enough money and expecting to make about the same amount
of money next year, then doing this stupid Trad. IRA trick may increase
your tax rate next year.
You will need to run a calculation to see how much this tax amount would be
for the next year.
Ask your tax guy if you are not a CPA. Pls dont just take my words for this.
This is just an example. | j****9
发帖数: 2295 | | D*****t
发帖数: 558 | 4 人家说的是: 你今年开traditional IRA省下的税, 明年convert Roth 时还得吐出来.
假如你明年的收入比今年高一个tax bracket, 你更吃亏. | j****9
发帖数: 2295 | | D*****t
发帖数: 558 | 6 为什么?
【在 j****9 的大作中提到】
: 哦。如果同一个tax bracket就划算吧。
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