t*m
发帖数: 4414 | 1 两个月前问了这个问题，没有得到满意答案。
再借宝地一问，请老爷太太们指点。
我和夫人的401K都放满了。529每个月放$1400.
收入原因，不能放roth ira. 也不讨论roth conversion
我每个月结余的银子都进taxable account
我应该放non-deductible traditional ira 吗？
缺点当然是钱不容易拿出来了，（但是我用到这些钱的可能性很小）
优点是tax-deferred growth
我应该买non-deductible traditional ira吗？ |
t***s
发帖数: 4666 | 2 convert to roth.
【在 t*m 的大作中提到】
: 两个月前问了这个问题，没有得到满意答案。
: 再借宝地一问，请老爷太太们指点。
: 我和夫人的401K都放满了。529每个月放$1400.
: 收入原因，不能放roth ira. 也不讨论roth conversion
: 我每个月结余的银子都进taxable account
: 我应该放non-deductible traditional ira 吗？
: 缺点当然是钱不容易拿出来了，（但是我用到这些钱的可能性很小）
: 优点是tax-deferred growth
: 我应该买non-deductible traditional ira吗？
|
t*m
发帖数: 4414 | 3 还有很多普通的 traditional ira
convert的话，cost很大。
【在 t***s 的大作中提到】
: convert to roth.
|
c****o
发帖数: 32446 | 4 可以convert一部分
【在 t*m 的大作中提到】
: 还有很多普通的 traditional ira
: convert的话，cost很大。
|
m**********r
发帖数: 887 | 5 Since LZ is not qualified for Roth IRA, max out 401K, 529 and still have
bunch of money to invest, I assume LZ is in the highest tax basket now, so
convert traditonal IRA to Roth is not a good idea now IMHO.
And non-deductible traditional ira is suitable in LZ's situation. |
t***s
发帖数: 4666 | 6 why would you have that? doesn't make much sense. if they are all
from roll-over, roll them over to 401k.
【在 t*m 的大作中提到】
: 还有很多普通的 traditional ira
: convert的话，cost很大。
|
t*m
发帖数: 4414 | 7 (1) yes. roll over to 401K can avoid the tax on roth ira convertion.
(2) what can I say for people don't currently have 401K?
【在 t***s 的大作中提到】
: why would you have that? doesn't make much sense. if they are all
: from roll-over, roll them over to 401k.
|
t***s
发帖数: 4666 | 8 why did you roll over your 401k in the first place?
leave the roll-over ira alone as a conduit ira.
open another t-ira as non-deductible ira. wait until
you have 401k and roll-over the conduit ira, then convert
the non-deductible ira to roth.
【在 t*m 的大作中提到】
: (1) yes. roll over to 401K can avoid the tax on roth ira convertion.
: (2) what can I say for people don't currently have 401K?
|
t*m
发帖数: 4414 | 9 (1) yes. this is one solution. a good one.
(2) let's assume I won't have 401K account anymore, should I still put money
into non-deductible ira?
thanks.
【在 t***s 的大作中提到】
: why did you roll over your 401k in the first place?
: leave the roll-over ira alone as a conduit ira.
: open another t-ira as non-deductible ira. wait until
: you have 401k and roll-over the conduit ira, then convert
: the non-deductible ira to roth.
|
