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Investment版 - 请问traditional里面有pre-tax的钱 还可以另外转5500after tax的到roth吗?
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话题: ira话题: tax话题: roth话题: deductible话题: pay
进入Investment版参与讨论
1 (共1页)
s********t
发帖数: 1429
1
之前换工作的时候401K转出来到traditional IRA了 但是我还想转5000 after tax的到
roth
这样怎么证明哪部分钱是pre 还是post tax的呢?
谢谢啊
q**y
发帖数: 135
2
似乎是按比例吧。现在一般建议换工作401k都convert成ROTH IRA。

【在 s********t 的大作中提到】
: 之前换工作的时候401K转出来到traditional IRA了 但是我还想转5000 after tax的到
: roth
: 这样怎么证明哪部分钱是pre 还是post tax的呢?
: 谢谢啊

n******n
发帖数: 12088
3
什么一般建议?别误导了。转不转看当前税率。
楼主赶紧把rollover ira转到新雇主401k里去。

【在 q**y 的大作中提到】
: 似乎是按比例吧。现在一般建议换工作401k都convert成ROTH IRA。
s********t
发帖数: 1429
4
谢谢啊 新雇主还没401
q**y
发帖数: 135
5
好吧,如果你收入离退休不远就不要再ROTH了。如果有20年才退休,还是ROTH好,所有
的capital gain tax free。

【在 n******n 的大作中提到】
: 什么一般建议?别误导了。转不转看当前税率。
: 楼主赶紧把rollover ira转到新雇主401k里去。

t*******e
发帖数: 298
6
转成traditional ira不好?最近换工作,正准备rollover 401k。

【在 n******n 的大作中提到】
: 什么一般建议?别误导了。转不转看当前税率。
: 楼主赶紧把rollover ira转到新雇主401k里去。

w***n
发帖数: 1519
7
如果你今后有可能要backdoor roth 的话就不要转traditional ira
新雇主提供401k的话就转到新的401k就是了,就算不提供或是不让转进,也不是非得转
ira。你原来的401k很可能有一些普通账户买不到的好基金。
至于roth,你如果现在州税很高,以后老了要搬到别的州的话,傻了才转roth

【在 t*******e 的大作中提到】
: 转成traditional ira不好?最近换工作,正准备rollover 401k。
t*******e
发帖数: 298
8
肯定不会转roth,现在还在上班,要交不少税。基金好坏咋看?morning star上面看几
星?以前就是401k账号里随便比了比历史收益选的。现在可以转成ira,我想有那么多选
择,肯定有比401k里面的要好的基金吧。

【在 w***n 的大作中提到】
: 如果你今后有可能要backdoor roth 的话就不要转traditional ira
: 新雇主提供401k的话就转到新的401k就是了,就算不提供或是不让转进,也不是非得转
: ira。你原来的401k很可能有一些普通账户买不到的好基金。
: 至于roth,你如果现在州税很高,以后老了要搬到别的州的话,傻了才转roth

n******n
发帖数: 12088
9
扯。如果你现在加州,税率40%,转Roth绝对错误。

【在 q**y 的大作中提到】
: 好吧,如果你收入离退休不远就不要再ROTH了。如果有20年才退休,还是ROTH好,所有
: 的capital gain tax free。

n******n
发帖数: 12088
10
留到老雇主的401k里。

【在 s********t 的大作中提到】
: 谢谢啊 新雇主还没401
相关主题
roth ira 能免税吗?traditional IRA, rollover IRA 和 backdoor roth
该不该convert成Roth IRA ?为什么backdoor ROTH和rollover 401k to IRA不能发生在一年,无 (转载)
需要从401k rollover到roth ira离职后rollover 401k到ira
进入Investment版参与讨论
f*******n
发帖数: 12623
11
你分析错了。如果税率是一样的,现在交税和过50年交税的结果是一样的。

【在 q**y 的大作中提到】
: 好吧,如果你收入离退休不远就不要再ROTH了。如果有20年才退休,还是ROTH好,所有
: 的capital gain tax free。

d********n
发帖数: 1856
12
Bingo.
I am doing backdoor roth. Rollovered some 401k to traditional IRA. so
painful.

【在 w***n 的大作中提到】
: 如果你今后有可能要backdoor roth 的话就不要转traditional ira
: 新雇主提供401k的话就转到新的401k就是了,就算不提供或是不让转进,也不是非得转
: ira。你原来的401k很可能有一些普通账户买不到的好基金。
: 至于roth,你如果现在州税很高,以后老了要搬到别的州的话,傻了才转roth

w***n
发帖数: 1519
13
It's more about extra paperwork and hassle, not necessarily means tax
disadvantage. No matter what IRAs you are having, you only pay tax once for
every penny in them: You either already paid (in roth), or are now paying (
conversion), or will pay later (future distribution). All that matters is
the tax rate comparison, where there are a lot of unknowns. Tax
diversification is probably wise when you are unsure.

【在 d********n 的大作中提到】
: Bingo.
: I am doing backdoor roth. Rollovered some 401k to traditional IRA. so
: painful.

d********n
发帖数: 1856
14
not completely true.
say you have after tax money, contribute to non-deductible ira, but you have
rolled-over ira already, roll over non-deductible ira to roth ira, you
would have to pay tax again on the roll over based on the prorated formula.
So you pay tax TWICE.

for

【在 w***n 的大作中提到】
: It's more about extra paperwork and hassle, not necessarily means tax
: disadvantage. No matter what IRAs you are having, you only pay tax once for
: every penny in them: You either already paid (in roth), or are now paying (
: conversion), or will pay later (future distribution). All that matters is
: the tax rate comparison, where there are a lot of unknowns. Tax
: diversification is probably wise when you are unsure.

w***n
发帖数: 1519
15
I was never in this situation before. Theoretically, I thought eventually
when you pay tax for the roll over ira later, you don't have to pay tax for
100% of the money. It should be somehow prorated too, no?
Suppose you have a rollover IRA of $45k and you are now doing backdoor for $
5k. You need to pay tax for 90% of $5k, that is, $4.5k. After you retired,
when you distribute money from rollover IRA, you pay tax for whatever money
left minus $4.5k. It would be very much unfair if it's not the case. Anyway,
good to know there might be a catch.

have
formula.

【在 d********n 的大作中提到】
: not completely true.
: say you have after tax money, contribute to non-deductible ira, but you have
: rolled-over ira already, roll over non-deductible ira to roth ira, you
: would have to pay tax again on the roll over based on the prorated formula.
: So you pay tax TWICE.
:
: for

f*******n
发帖数: 12623
16
But in this case, you are NOT converting "non-deductible ira to roth ira".
Instead, you are converting SOME non-deductible ira, and SOME deductible ira
(because the IRS's rules force you to) -- you will still be left with some
non-deductible ira and some deductible ira. So of course you need to pay tax
on converting the deductible part (but not the non-deductible part).

have
formula.

【在 d********n 的大作中提到】
: not completely true.
: say you have after tax money, contribute to non-deductible ira, but you have
: rolled-over ira already, roll over non-deductible ira to roth ira, you
: would have to pay tax again on the roll over based on the prorated formula.
: So you pay tax TWICE.
:
: for

d********n
发帖数: 1856
17
sad but true
http://www.bogleheads.org/wiki/Backdoor_Roth_IRA

for
$
money
Anyway,

【在 w***n 的大作中提到】
: I was never in this situation before. Theoretically, I thought eventually
: when you pay tax for the roll over ira later, you don't have to pay tax for
: 100% of the money. It should be somehow prorated too, no?
: Suppose you have a rollover IRA of $45k and you are now doing backdoor for $
: 5k. You need to pay tax for 90% of $5k, that is, $4.5k. After you retired,
: when you distribute money from rollover IRA, you pay tax for whatever money
: left minus $4.5k. It would be very much unfair if it's not the case. Anyway,
: good to know there might be a catch.
:
: have

1 (共1页)
进入Investment版参与讨论
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