c*****a
发帖数: 1638 | 1 是不是可以直接从银行转账，然后年底报税的时候扣除？还是一定要公司以pre-tax的
形势转进去？
多谢，第一次考虑这个，不懂。
是不是夫妻联合报税，是可以放5000还是10k？ | X****r
发帖数: 3557 | 2 IRA has nothing to do with your employer (other than you must have
enough income in the first place).
Just open an IRA account and transfer money in. Declare that
amount when you file tax. You can have $5k for each person (must
in their own names).
But note that not all IRA contributions are deductible. If your
income is too high and/or you already have 401k, etc. you may
not be able to deduct full amount, or any at all. In this case
consider a Roth conversion.
【在 c*****a 的大作中提到】
: 是不是可以直接从银行转账，然后年底报税的时候扣除？还是一定要公司以pre-tax的
: 形势转进去？
: 多谢，第一次考虑这个，不懂。
: 是不是夫妻联合报税，是可以放5000还是10k？
| c*****a
发帖数: 1638 | 3 这么说吧，如果是夫妻2个人，如果总共150k income，只有一个人放401k，就是16500
，那么我们还可以放10k的IRA吗？ | j****y
发帖数: 1714 | 4 vanguard.com子类的网站上自己开账户就可以了。很简单.
夫妻都可以各放5000，但是joint return 超过$110,000的收入后, 有401k的一方不能
减税， 叫non-deductible contribution. 没有401k的一方应该可以deduct 税。 超过
$179,000后任何一方都不能deduct 税。
官方文字：
For 2011, if you are covered by a retirement plan at work, your
deduction
for contributions to a traditional IRA is reduced (phased out) if your
modified AGI is:
* More than $90,000 but less than $110,000 for a married couple filing a
joint return or a qualifying widow(er),
* More than $56,000 but less than $66,000 for a single individual or
head of
household, or
* Less than $10,000 for a married individual filing a separate return.
* Cannot take a deduction for contributions to a traditional IRA at all
if
more than $110,000
Spouse case:
If you either live with your spouse or file a joint return, and your
spouse
is covered by a retirement plan at work, but you are not,
* your deduction is phased out if your modified AGI is more than
$169,000
but less than $179,000.
* If your modified AGI is $179,000 or more, you cannot take a deduction
for
contributions to a traditional IRA.
16500
【在 c*****a 的大作中提到】
: 这么说吧，如果是夫妻2个人，如果总共150k income，只有一个人放401k，就是16500
: ，那么我们还可以放10k的IRA吗？
| c*****a
发帖数: 1638 | 5 Thanks very much！！！！！！！！！！！！！！！！！
差点犯了错误
所以说如果单收入超过11万的家庭，工作的那个人有401k，就不能放IRA了，对吧
谢谢！！！！！！！！！！！！！！ | a*****h
发帖数: 2182 | 6 not your income, but your AGI! |
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