k***a 发帖数: 1199 | 1 本人工作,401k公司match交满
老婆家庭主妇,有小孩一个
可以给老婆交401k或者IRA之类的来省税吗,不工作可以交401k或者IRA吗?
有了小孩,可以存什么大学学费之类的免税的项目吗?
板上看了一些帖子,还是没完全弄明白。
多谢! |
g****o 发帖数: 1024 | 2 没有收入不可以存401和IRA
【在 k***a 的大作中提到】 : 本人工作,401k公司match交满 : 老婆家庭主妇,有小孩一个 : 可以给老婆交401k或者IRA之类的来省税吗,不工作可以交401k或者IRA吗? : 有了小孩,可以存什么大学学费之类的免税的项目吗? : 板上看了一些帖子,还是没完全弄明白。 : 多谢!
|
m*********t 发帖数: 1250 | 3 IRA是没问题的,只要你老婆有SSN号就可以由你来帮她交IRA(好像有条件是联合报税,
但记不清了)。我是2013年初在Fidelity帮我LD开的户,她那时刚刚申请到SSN,但一直
没有income,但Roth-IRA没问题。不知道只有ITIN是否也行,你可以在Fidelity网站上
查查。
【在 k***a 的大作中提到】 : 本人工作,401k公司match交满 : 老婆家庭主妇,有小孩一个 : 可以给老婆交401k或者IRA之类的来省税吗,不工作可以交401k或者IRA吗? : 有了小孩,可以存什么大学学费之类的免税的项目吗? : 板上看了一些帖子,还是没完全弄明白。 : 多谢!
|
E*******r 发帖数: 2710 | 4 IRA只能给有earned income的,而且限额必须少于你earned income
Wages, salaries and tips
Union strike benefits
Long-term disability benefits received prior to minimum retirement age
Net earnings from self-employment
但是有个 Spousal IRA的exception
可以google下
税,
一直
【在 m*********t 的大作中提到】 : IRA是没问题的,只要你老婆有SSN号就可以由你来帮她交IRA(好像有条件是联合报税, : 但记不清了)。我是2013年初在Fidelity帮我LD开的户,她那时刚刚申请到SSN,但一直 : 没有income,但Roth-IRA没问题。不知道只有ITIN是否也行,你可以在Fidelity网站上 : 查查。
|
m*********t 发帖数: 1250 | 5 直接上Fidelity的原文:
http://personal.fidelity.com/planning/tax/content/taxform_5498o
l
Nonworking spouses can contribute, too
Even if your spouse has little or no earned income, he or she may still be a
ble to contribute to a spousal IRA—either a Traditional or a Roth IRA. To c
ontribute, you must file a joint federal income tax return and have taxable
compensation equal to or greater than the total amount contributed by both s
pouses. As with other IRAs, spousal IRAs offer benefits, including the highe
r contribution limits, deductible contributions to Traditional IRAs for qual
ified investors, the potential for tax-deferred growth, and federal tax-free
withdrawals from Roth IRAs (provided the criteria are met).
【在 E*******r 的大作中提到】 : IRA只能给有earned income的,而且限额必须少于你earned income : Wages, salaries and tips : Union strike benefits : Long-term disability benefits received prior to minimum retirement age : Net earnings from self-employment : 但是有个 Spousal IRA的exception : 可以google下 : : 税, : 一直
|
A****3 发帖数: 87 | 6 you must file a joint federal income
tax return and have taxable
compensation equal to or greater than the total
amount contributed by both s
pouses. 是啥意思,到底上限是多少? |
k***a 发帖数: 1199 | 7 本人工作,401k公司match交满
老婆家庭主妇,有小孩一个
可以给老婆交401k或者IRA之类的来省税吗,不工作可以交401k或者IRA吗?
有了小孩,可以存什么大学学费之类的免税的项目吗?
板上看了一些帖子,还是没完全弄明白。
多谢! |
g****o 发帖数: 1024 | 8 没有收入不可以存401和IRA
【在 k***a 的大作中提到】 : 本人工作,401k公司match交满 : 老婆家庭主妇,有小孩一个 : 可以给老婆交401k或者IRA之类的来省税吗,不工作可以交401k或者IRA吗? : 有了小孩,可以存什么大学学费之类的免税的项目吗? : 板上看了一些帖子,还是没完全弄明白。 : 多谢!
|
m*********t 发帖数: 1250 | 9 IRA是没问题的,只要你老婆有SSN号就可以由你来帮她交IRA(好像有条件是联合报税,
但记不清了)。我是2013年初在Fidelity帮我LD开的户,她那时刚刚申请到SSN,但一直
没有income,但Roth-IRA没问题。不知道只有ITIN是否也行,你可以在Fidelity网站上
查查。
【在 k***a 的大作中提到】 : 本人工作,401k公司match交满 : 老婆家庭主妇,有小孩一个 : 可以给老婆交401k或者IRA之类的来省税吗,不工作可以交401k或者IRA吗? : 有了小孩,可以存什么大学学费之类的免税的项目吗? : 板上看了一些帖子,还是没完全弄明白。 : 多谢!
|
E*******r 发帖数: 2710 | 10 IRA只能给有earned income的,而且限额必须少于你earned income
Wages, salaries and tips
Union strike benefits
Long-term disability benefits received prior to minimum retirement age
Net earnings from self-employment
但是有个 Spousal IRA的exception
可以google下
税,
一直
【在 m*********t 的大作中提到】 : IRA是没问题的,只要你老婆有SSN号就可以由你来帮她交IRA(好像有条件是联合报税, : 但记不清了)。我是2013年初在Fidelity帮我LD开的户,她那时刚刚申请到SSN,但一直 : 没有income,但Roth-IRA没问题。不知道只有ITIN是否也行,你可以在Fidelity网站上 : 查查。
|
m*********t 发帖数: 1250 | 11 直接上Fidelity的原文:
http://personal.fidelity.com/planning/tax/content/taxform_5498o
l
Nonworking spouses can contribute, too
Even if your spouse has little or no earned income, he or she may still be a
ble to contribute to a spousal IRA—either a Traditional or a Roth IRA. To c
ontribute, you must file a joint federal income tax return and have taxable
compensation equal to or greater than the total amount contributed by both s
pouses. As with other IRAs, spousal IRAs offer benefits, including the highe
r contribution limits, deductible contributions to Traditional IRAs for qual
ified investors, the potential for tax-deferred growth, and federal tax-free
withdrawals from Roth IRAs (provided the criteria are met).
【在 E*******r 的大作中提到】 : IRA只能给有earned income的,而且限额必须少于你earned income : Wages, salaries and tips : Union strike benefits : Long-term disability benefits received prior to minimum retirement age : Net earnings from self-employment : 但是有个 Spousal IRA的exception : 可以google下 : : 税, : 一直
|
A****3 发帖数: 87 | 12 you must file a joint federal income
tax return and have taxable
compensation equal to or greater than the total
amount contributed by both s
pouses. 是啥意思,到底上限是多少? |
z*****n 发帖数: 447 | 13 这个我最近刚好研究了一下,你可以给你没工作的老婆买IRA(给她开独立IRA账户,每
年最多$5500),但能否拿到退税,以你家庭的MAGI有关,不超过$178000,可以得到Full
deduction.
1) 401k has no effect on your traditional IRA contribution amount (Maximum
amount is $5500)
2) 401k may affect your tax deduction for any traditional IRA contribution.
Suppose you want to contribute traditional IRA $5500 for your wife, and you
are also covered by 401k, the deduction is up to $5500 if your modified AGI
<= 178000, when married joint filing
[1] Can I contribute to both a 401(k) and an IRA?
http://www.investopedia.com/ask/answers/07/401(k)_ira.asp
[2]Compare traditional and Roth IRA
https://investor.vanguard.com/what-we-offer/iras/traditional-iras-and-roth-
iras
[3]2013 IRA Deduction Limits - Effect of Modified AGI on Deduction if You
Are NOT Covered by a Retirement Plan at Work
www.irs.gov/Retirement-Plans/2013-IRA-Deduction-Limits-Effect-of-Modified-
AGI-on-Deduction-if-You-Are-NOT-Covered-by-a-Retirement-Plan-at-Work
[4] Making Spousal IRA Contributions
www.investopedia.com/articles/retirement/03/021903.asp
[5] MAGI
retireplan.about.com/lw/Business-Finance/Personal-finance/How-to-Calculate-
Your-Modified-Adjusted-Gross-Income-MAGI-.htm |