s********z
发帖数: 5411 | 1 我以前的公司没有401k，所以我有一些traditional IRA. 但是麻烦的是，我的
traditional IRA里面有的after tax non-deductible IRA，有的是pre tax
deductible IRA.
我现在想把deductilbe traditional IRA rollover到401k，然后再把剩下的non-
deductible的IRA rollover到roth. 可以这么干吗？ 不会有任何tax consequence把？
多谢 | c**********y
发帖数: 24 | 2 在wiki roth ira上看到这么一段话，应该对你想转roth有帮助，转401k就不太清楚。
One major caveat to the entire "backdoor" Roth IRA contribution process,
however, is that it only works for people who do not have any pre-tax
contributed money in IRA accounts at the time of the "backdoor" conversion
to Roth; conversions made when other IRA money exists are subject to pro-
rata calculations and may lead to tax liabilities on the part of the
converter.[12]
For example, if someone has contributed $10,000 post-tax and $30,000 pre-tax
to a traditional IRA and wants to convert the post tax $10,000 into a Roth,
the pro-rated amount (ratio of taxable contributions to total contributions
) is taxable. In this example, $7500 of the post tax contribution is
considered taxable when converting it to a Roth IRA. The pro-rata
calculation is made based on all traditional IRA contributions across all
the individual's traditional IRA accounts (even if they are in different
institutions). | f*******n
发帖数: 12623 | 3 可以，如果你401k允许的话。这就是一般这个情况建议的做法。
把？
【在 s********z 的大作中提到】
: 我以前的公司没有401k，所以我有一些traditional IRA. 但是麻烦的是，我的
: traditional IRA里面有的after tax non-deductible IRA，有的是pre tax
: deductible IRA.
: 我现在想把deductilbe traditional IRA rollover到401k，然后再把剩下的non-
: deductible的IRA rollover到roth. 可以这么干吗？ 不会有任何tax consequence把？
: 多谢
| c**********y
发帖数: 24 | 4 你的情况应该是先把pre-tax部分转成现在employer的401k，然后再转post-tax到roth
，这样才能避开pro-rata calculation.
tax
Roth,
contributions
【在 c**********y 的大作中提到】
: 在wiki roth ira上看到这么一段话，应该对你想转roth有帮助，转401k就不太清楚。
: One major caveat to the entire "backdoor" Roth IRA contribution process,
: however, is that it only works for people who do not have any pre-tax
: contributed money in IRA accounts at the time of the "backdoor" conversion
: to Roth; conversions made when other IRA money exists are subject to pro-
: rata calculations and may lead to tax liabilities on the part of the
: converter.[12]
: For example, if someone has contributed $10,000 post-tax and $30,000 pre-tax
: to a traditional IRA and wants to convert the post tax $10,000 into a Roth,
: the pro-rated amount (ratio of taxable contributions to total contributions
|
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