r****9 发帖数: 4961 | 1 明年的家庭总收入可能会超过250k, 如何理财能够少缴税?
现在的情况是2娃,mortgage一月1800, 无车贷, Texas.
现在的计划是:
1. max out 401k
2. max out HSA
3. max out Roth IRA 5kx2 = 10k。 不知道明年还是否qualify.
4. traditional IRA估计也不行了
5. 要不要给孩子存点529? 有什么推荐?
谢谢指点 |
d*****r 发帖数: 273 | 2 要存529.其实529可以多存一些,因为其盈利是不用缴税的。并且可以用在子女,以及
孙子女的教育上。
【在 r****9 的大作中提到】 : 明年的家庭总收入可能会超过250k, 如何理财能够少缴税? : 现在的情况是2娃,mortgage一月1800, 无车贷, Texas. : 现在的计划是: : 1. max out 401k : 2. max out HSA : 3. max out Roth IRA 5kx2 = 10k。 不知道明年还是否qualify. : 4. traditional IRA估计也不行了 : 5. 要不要给孩子存点529? 有什么推荐? : 谢谢指点
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g********3 发帖数: 1281 | 3 You won't qualify for Roth IRA with 250K+ income. |
g********3 发帖数: 1281 | 4 You will be hit by AMT.
Divorce will save you some tax $. |
r****9 发帖数: 4961 | 5 需要先存2k ESA再存 529吗?
【在 d*****r 的大作中提到】 : 要存529.其实529可以多存一些,因为其盈利是不用缴税的。并且可以用在子女,以及 : 孙子女的教育上。
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d*****r 发帖数: 273 | 6 我个人没有ESA,就只有529.忘了当时决定的原因了。
【在 r****9 的大作中提到】 : 需要先存2k ESA再存 529吗?
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d*****r 发帖数: 273 | 7 Contribute to non-deductible traditional IRA and then convert to Roth
【在 g********3 的大作中提到】 : You won't qualify for Roth IRA with 250K+ income.
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f*******n 发帖数: 12623 | 8 That's not a problem. You can still do Backdoor Roth IRA with any income.
【在 g********3 的大作中提到】 : You won't qualify for Roth IRA with 250K+ income.
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d*****r 发帖数: 273 | 9 If you have dental and/or vision expense, you can open a FSA with maximum $
2500/year, even you have HSA. However, you need to make sure you can spend
this $2500 in a year, otherwise it will be forfeited.
【在 r****9 的大作中提到】 : 明年的家庭总收入可能会超过250k, 如何理财能够少缴税? : 现在的情况是2娃,mortgage一月1800, 无车贷, Texas. : 现在的计划是: : 1. max out 401k : 2. max out HSA : 3. max out Roth IRA 5kx2 = 10k。 不知道明年还是否qualify. : 4. traditional IRA估计也不行了 : 5. 要不要给孩子存点529? 有什么推荐? : 谢谢指点
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d*****r 发帖数: 273 | 10 Do not know if you are self-employed, if so, you can contribute a lot to a
self-employed retirement plan, like $49,000. Do research yourself if this is
the case.
【在 r****9 的大作中提到】 : 明年的家庭总收入可能会超过250k, 如何理财能够少缴税? : 现在的情况是2娃,mortgage一月1800, 无车贷, Texas. : 现在的计划是: : 1. max out 401k : 2. max out HSA : 3. max out Roth IRA 5kx2 = 10k。 不知道明年还是否qualify. : 4. traditional IRA估计也不行了 : 5. 要不要给孩子存点529? 有什么推荐? : 谢谢指点
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r****9 发帖数: 4961 | 11 will contractor count?
【在 d*****r 的大作中提到】 : Do not know if you are self-employed, if so, you can contribute a lot to a : self-employed retirement plan, like $49,000. Do research yourself if this is : the case.
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d*****r 发帖数: 273 | 12 1099, Yes. W-2, No.
【在 r****9 的大作中提到】 : will contractor count?
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c**********0 发帖数: 624 | 13 defer your compensation, think about non-qualified retirement plans if your
employer has any. |
s********i 发帖数: 17328 | 14 i don't think you can do it.
http://www.bogleheads.org/wiki/Non-deductible_Traditional_IRA
income limit is $110,000 for 2011.
【在 d*****r 的大作中提到】 : Contribute to non-deductible traditional IRA and then convert to Roth
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s********i 发帖数: 17328 | 15 how can you max out Roth IRA?
http://www.irs.gov/publications/p590/ch02.html
What's New for 2012
Modified AGI limit for Roth IRA contributions increased. For 2012, your Roth
IRA contribution limit is reduced (phased out) in the following situations.
Your filing status is married filing jointly or qualifying widow(er) and
your modified AGI is at least $173,000. You cannot make a Roth IRA
contribution if your modified AGI is $183,000 or more.
【在 r****9 的大作中提到】 : 明年的家庭总收入可能会超过250k, 如何理财能够少缴税? : 现在的情况是2娃,mortgage一月1800, 无车贷, Texas. : 现在的计划是: : 1. max out 401k : 2. max out HSA : 3. max out Roth IRA 5kx2 = 10k。 不知道明年还是否qualify. : 4. traditional IRA估计也不行了 : 5. 要不要给孩子存点529? 有什么推荐? : 谢谢指点
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c******n 发帖数: 710 | 16 backdoor roth ira in your link
【在 s********i 的大作中提到】 : i don't think you can do it. : http://www.bogleheads.org/wiki/Non-deductible_Traditional_IRA : income limit is $110,000 for 2011.
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l*********u 发帖数: 19053 | 17 corp2corp?1099?
拼命打expenses,home office, computers, maybe cars if it's job related.
多旅游几次,拼命吃 :)
【在 r****9 的大作中提到】 : will contractor count?
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v*********u 发帖数: 10464 | 18 德州收入不错啊
明年的家庭总收入可能会超过250k, 如何理财能够少缴税?现在的情况是2娃,
mortgage一月1800, 无车贷, Texas.现在的计划是:1. max out 401k2........
★ Sent from iPhone App: iReader Mitbbs Lite 7.56
【在 r****9 的大作中提到】 : 明年的家庭总收入可能会超过250k, 如何理财能够少缴税? : 现在的情况是2娃,mortgage一月1800, 无车贷, Texas. : 现在的计划是: : 1. max out 401k : 2. max out HSA : 3. max out Roth IRA 5kx2 = 10k。 不知道明年还是否qualify. : 4. traditional IRA估计也不行了 : 5. 要不要给孩子存点529? 有什么推荐? : 谢谢指点
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g********3 发帖数: 1281 | 19 Thank you. I just deposited $5000 to my traditional IRA account. Will roll
over to Roth later on. Can we still convert traditional IRA to Roth IRA next
year, or is 2012 the last year?
Damn, missed the deadline for last year's contribution.
【在 f*******n 的大作中提到】 : That's not a problem. You can still do Backdoor Roth IRA with any income.
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g****o 发帖数: 1284 | 20 My understanding is you should convert this 5000 in your traditional IRA to
Roth IRA as soon as possible otherwise any earnings generated in your
traditional IRA from now on are still taxable.
next
【在 g********3 的大作中提到】 : Thank you. I just deposited $5000 to my traditional IRA account. Will roll : over to Roth later on. Can we still convert traditional IRA to Roth IRA next : year, or is 2012 the last year? : Damn, missed the deadline for last year's contribution.
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f*******n 发帖数: 12623 | 21 You can convert any year. But it's best to convert as soon as possible.
Also, you don't have any previous deductible traditional IRA, right? If you
do, it will be complicated.
next
【在 g********3 的大作中提到】 : Thank you. I just deposited $5000 to my traditional IRA account. Will roll : over to Roth later on. Can we still convert traditional IRA to Roth IRA next : year, or is 2012 the last year? : Damn, missed the deadline for last year's contribution.
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g********3 发帖数: 1281 | 22 No previous balance in traditional IRA. It was all converted to Roth IRA a
while ago. Thanks for the reminder anyway.
Another question: I will need to wait till Jan 1, 2013 for next year's
contribution, right?
you
【在 f*******n 的大作中提到】 : You can convert any year. But it's best to convert as soon as possible. : Also, you don't have any previous deductible traditional IRA, right? If you : do, it will be complicated. : : next
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g********3 发帖数: 1281 | 23 Some people say to wait for maybe a month. Otherwise, the motivation to
convert to Roth would be too obvious. Is it necessary to wait for a period?
to
【在 g****o 的大作中提到】 : My understanding is you should convert this 5000 in your traditional IRA to : Roth IRA as soon as possible otherwise any earnings generated in your : traditional IRA from now on are still taxable. : : next
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t*m 发帖数: 4414 | 24 您已经连续好几年回答这个问题了。
【在 d*****r 的大作中提到】 : Contribute to non-deductible traditional IRA and then convert to Roth
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t*m 发帖数: 4414 | 25 对头。比如457b
your
【在 c**********0 的大作中提到】 : defer your compensation, think about non-qualified retirement plans if your : employer has any.
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f*******n 发帖数: 12623 | 26 What do you mean by "next year's contribution"? Are you asking about the
contribution to Traditional IRA or the conversion?
Under each year, you are allowed to contribute $5000. But the "year" does
not exactly mean the actual year. For example, for "2012" you can contribute
from Jan 1, 2012 to April 15, 2013. And for "2012" you can contribute from
Jan 1, 2013 to April 15, 2014. That means between Jan 1, 2013 and April 15,
2013, you can contribute to either year, or both (if you haven't used up the
contribution under either of those years before).
So yes, if you have already used up "2012"'s contribution, then you have to
wait until Jan 2013 to contribute more. But most people actually wait til
the last minute (the beginning of the next year to contribute the current
year's), so I'm surprised you already contributed that much.
【在 g********3 的大作中提到】 : No previous balance in traditional IRA. It was all converted to Roth IRA a : while ago. Thanks for the reminder anyway. : Another question: I will need to wait till Jan 1, 2013 for next year's : contribution, right? : : you
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f*******n 发帖数: 12623 | 27 You can wait if you want. I think many people have done it without much wait
. But waiting a month seems reasonable.
?
【在 g********3 的大作中提到】 : Some people say to wait for maybe a month. Otherwise, the motivation to : convert to Roth would be too obvious. Is it necessary to wait for a period? : : to
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g********3 发帖数: 1281 | 28 Yes, I just deposited $5000 today for fiscal year 2012, so I will need to
wait till Jan 1st, 2013 to contribute for fiscal year 2013. I missed the
deadline to contribute for fiscal year 2011, since April 15th, 2012 already
passed.
contribute
from
,
the
to
【在 f*******n 的大作中提到】 : What do you mean by "next year's contribution"? Are you asking about the : contribution to Traditional IRA or the conversion? : Under each year, you are allowed to contribute $5000. But the "year" does : not exactly mean the actual year. For example, for "2012" you can contribute : from Jan 1, 2012 to April 15, 2013. And for "2012" you can contribute from : Jan 1, 2013 to April 15, 2014. That means between Jan 1, 2013 and April 15, : 2013, you can contribute to either year, or both (if you haven't used up the : contribution under either of those years before). : So yes, if you have already used up "2012"'s contribution, then you have to : wait until Jan 2013 to contribute more. But most people actually wait til
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d*****r 发帖数: 273 | 29 总是有人问这个问题。
【在 t*m 的大作中提到】 : 您已经连续好几年回答这个问题了。
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s********i 发帖数: 17328 | 30 http://www.bogleheads.org/wiki/Non-deductible_Traditional_IRA
income limit is $110,000 for 2011.
how can you contribute to non-deductible traditional IRA?
【在 d*****r 的大作中提到】 : Contribute to non-deductible traditional IRA and then convert to Roth
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f*******n 发帖数: 12623 | 31 There is no income limit to contribute to a Traditional IRA. Anyone with
income can contribute to a Traditional IRA.
The income limit is for *deducting* a Traditional IRA. We are not deducting
the Traditional IRA -- that's why it's called a "Non-deductible Traditional
IRA".
【在 s********i 的大作中提到】 : http://www.bogleheads.org/wiki/Non-deductible_Traditional_IRA : income limit is $110,000 for 2011. : how can you contribute to non-deductible traditional IRA?
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s********i 发帖数: 17328 | 32 thank you.
deducting
Traditional
【在 f*******n 的大作中提到】 : There is no income limit to contribute to a Traditional IRA. Anyone with : income can contribute to a Traditional IRA. : The income limit is for *deducting* a Traditional IRA. We are not deducting : the Traditional IRA -- that's why it's called a "Non-deductible Traditional : IRA".
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z******a 发帖数: 5381 | 33 我老有点不明白
如果不能deduct.那干嘛砸到一个IRA里面?除了gain不交税的好处还有啥?
deducting
Traditional
【在 f*******n 的大作中提到】 : There is no income limit to contribute to a Traditional IRA. Anyone with : income can contribute to a Traditional IRA. : The income limit is for *deducting* a Traditional IRA. We are not deducting : the Traditional IRA -- that's why it's called a "Non-deductible Traditional : IRA".
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f*******n 发帖数: 12623 | 34 大部分没有好处。但是还有一个好处:“后门Roth IRA”可以用到它。就是如果你收入
超过放Roth IRA的收入限制,你可以放一个non-deductible Traditional IRA,跟着马
上convert到Roth IRA;就跟放Roth IRA一样。当然,在这个情况下最后的目的还是
Roth IRA,不是留着non-deductible Traditional IRA。
【在 z******a 的大作中提到】 : 我老有点不明白 : 如果不能deduct.那干嘛砸到一个IRA里面?除了gain不交税的好处还有啥? : : deducting : Traditional
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z******a 发帖数: 5381 | 35 可是您谈及的这个好处,只是减少了将来的投资收入,
对今年或者明年收入税没有太多影响,是吧?
比如我今年收入1M(随便瞎掰一个数字)我想少缴税,这个有何良测?
【在 f*******n 的大作中提到】 : 大部分没有好处。但是还有一个好处:“后门Roth IRA”可以用到它。就是如果你收入 : 超过放Roth IRA的收入限制,你可以放一个non-deductible Traditional IRA,跟着马 : 上convert到Roth IRA;就跟放Roth IRA一样。当然,在这个情况下最后的目的还是 : Roth IRA,不是留着non-deductible Traditional IRA。
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f*******n 发帖数: 12623 | 36 Roth IRA都是没有减低现在的税的。(但是数学上来说,如果税率一样,现在纳税或以
后纳税是一样的。)但是大部分人不符合deduct Traditional IRA。所以除了Roth IRA
有什么其他选择呢?
【在 z******a 的大作中提到】 : 可是您谈及的这个好处,只是减少了将来的投资收入, : 对今年或者明年收入税没有太多影响,是吧? : 比如我今年收入1M(随便瞎掰一个数字)我想少缴税,这个有何良测?
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y****i 发帖数: 778 | 37 Muni bond
【在 r****9 的大作中提到】 : 明年的家庭总收入可能会超过250k, 如何理财能够少缴税? : 现在的情况是2娃,mortgage一月1800, 无车贷, Texas. : 现在的计划是: : 1. max out 401k : 2. max out HSA : 3. max out Roth IRA 5kx2 = 10k。 不知道明年还是否qualify. : 4. traditional IRA估计也不行了 : 5. 要不要给孩子存点529? 有什么推荐? : 谢谢指点
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i*****0 发帖数: 1113 | 38 听说这个backdoor Roth,如果已经有Rollover IRA账号什么的,就不work了, 否则
Rollover IRA里面的钱也会被covert成Roth,然后被交税?
看连接: http://www.forbes.com/sites/ashleaebeling/2012/01/23/the-backdoor-roth-ira-advanced-version/
如果是这样的话,那这个Roth backdoor只合适刚开始工作,还没有roll over IRA的同
学啊。
thanks
you
【在 f*******n 的大作中提到】 : You can convert any year. But it's best to convert as soon as possible. : Also, you don't have any previous deductible traditional IRA, right? If you : do, it will be complicated. : : next
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w*******s 发帖数: 811 | 39 而且是不是只能操作一次,开了non deductible帐户后,转成roth
那第二年,如果还想放5k,就要再开一个账户?
【在 i*****0 的大作中提到】 : 听说这个backdoor Roth,如果已经有Rollover IRA账号什么的,就不work了, 否则 : Rollover IRA里面的钱也会被covert成Roth,然后被交税? : 看连接: http://www.forbes.com/sites/ashleaebeling/2012/01/23/the-backdoor-roth-ira-advanced-version/ : 如果是这样的话,那这个Roth backdoor只合适刚开始工作,还没有roll over IRA的同 : 学啊。 : thanks : : you
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a******o 发帖数: 7982 | 40 对现在收入税木影响。我脚的w2想减少tax的方法其实有限,因为你的钱是没法hide的
。我觉得还可以是买房子。
【在 z******a 的大作中提到】 : 可是您谈及的这个好处,只是减少了将来的投资收入, : 对今年或者明年收入税没有太多影响,是吧? : 比如我今年收入1M(随便瞎掰一个数字)我想少缴税,这个有何良测?
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a******o 发帖数: 7982 | 41
gain不交税这还不叫大好处?
【在 z******a 的大作中提到】 : 我老有点不明白 : 如果不能deduct.那干嘛砸到一个IRA里面?除了gain不交税的好处还有啥? : : deducting : Traditional
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y***l 发帖数: 6963 | 42 好奇
如果amt是25万
交完税后收入251k的人拿到手的比收入249k的人少吗?
【在 g********3 的大作中提到】 : You will be hit by AMT. : Divorce will save you some tax $.
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t***s 发帖数: 4666 | 43 roll over the rollover ira to your 401k
【在 i*****0 的大作中提到】 : 听说这个backdoor Roth,如果已经有Rollover IRA账号什么的,就不work了, 否则 : Rollover IRA里面的钱也会被covert成Roth,然后被交税? : 看连接: http://www.forbes.com/sites/ashleaebeling/2012/01/23/the-backdoor-roth-ira-advanced-version/ : 如果是这样的话,那这个Roth backdoor只合适刚开始工作,还没有roll over IRA的同 : 学啊。 : thanks : : you
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t***s 发帖数: 4666 | 44 you can do it every year
【在 w*******s 的大作中提到】 : 而且是不是只能操作一次,开了non deductible帐户后,转成roth : 那第二年,如果还想放5k,就要再开一个账户?
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c*********a 发帖数: 2265 | 45 据说amt了以后很多deduction都不qualify了
【在 y***l 的大作中提到】 : 好奇 : 如果amt是25万 : 交完税后收入251k的人拿到手的比收入249k的人少吗?
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