s****M
发帖数: 34 | 1 请问大家如果AGI超过Roth IRA的上限，似乎就只能买Traditional IRA,而且还是没有
任何税收上的优惠，听说然后可以把tranditional IRA 转化成 Roth IRA.
这样做的意义有多大呢？
另外，如果是配偶不工作，也不能买spouse-IRA是吗？
多谢 |
r****m
发帖数: 1204 | 2 1）把tranditional IRA 转化成 Roth IRA：搜本版backdoor roth conversion 的讨论。
2）如果是配偶不工作，也不能买spouse-IRA是吗？No. If one person doesn't work,
the working person can fund a Spouse-IRA for the non-working spouse. |
s****M
发帖数: 34 | 3 >> 搜本版backdoor roth conversion 的讨论。
我以为那些都是基于可以至少在tranditional IRA上减税的前提而言的
>> No. If one person doesn't work,
the working person can fund a Spouse-IRA for the non-working spouse.
这个跟我们的AGI有什么关系吗? 是不是也不能减税呢？ |
r****m
发帖数: 1204 | |
s****M
发帖数: 34 | |
r****m
发帖数: 1204 | 6 It's a bit complicated -
There is tax-deferred growth benefit for non-deductible traditional IRA.
But any gain will be taxed as income when you take it out in the future - if
your future income tax rate is low (vs. capital gain tax rate), there is
still benefit.
Plus, you have the option to convert traditional IRA to Roth IRA if desired
later. |
m*********y
发帖数: 1890 | 7 Backdoor Ira is a very good investment option. Do some research online
yourself.
【在 s****M 的大作中提到】
: 所以也就没有什么存的意义了是吗？
|
p*****y
发帖数: 1982 | 8 我居然看懂了
这么看来如果不能backdoor的话，traditaional IRA确实没什么用。把钱放里面我还不
如放brokage account里呢
if
desired
【在 r****m 的大作中提到】
: It's a bit complicated -
: There is tax-deferred growth benefit for non-deductible traditional IRA.
: But any gain will be taxed as income when you take it out in the future - if
: your future income tax rate is low (vs. capital gain tax rate), there is
: still benefit.
: Plus, you have the option to convert traditional IRA to Roth IRA if desired
: later.
|
s****M
发帖数: 34 | 9 Even the traditional IRA doesn't carry any tax benefit? This is the part I
don't get. I assume most of people are saying the backdoor IRA is good that
is mainly based on the fact the traditional IRA has tax benefit already?
Thanks!
【在 m*********y 的大作中提到】
: Backdoor Ira is a very good investment option. Do some research online
: yourself.
|
w***n
发帖数: 1519 | 10 roth 是现在缴一次税，以后都不用再交了；deductible traditional 是现在不交税，
以后取的时候交一次税；non-deductible现在缴本金的税，以后取的时候对盈利交税；
taxable account每年有taxable event都要缴税，亏了钱可以抵税。
都有non-deductible traditional了，还要放弃backdoor roth 的，那是算术不过关。
有这时间在论坛上问答那么多天还是搞不明白，为什么不能google/wiki一下，花半个
小时不就搞清楚了？这点时间精力都不愿花，要投资赚钱就跟买彩票差不多。 |
m*********y
发帖数: 1890 | 11 what part of "do some research online" you don't understand?
that
【在 s****M 的大作中提到】
: Even the traditional IRA doesn't carry any tax benefit? This is the part I
: don't get. I assume most of people are saying the backdoor IRA is good that
: is mainly based on the fact the traditional IRA has tax benefit already?
: Thanks!
|
m*********y
发帖数: 1890 | 12 re
【在 w***n 的大作中提到】
: roth 是现在缴一次税，以后都不用再交了；deductible traditional 是现在不交税，
: 以后取的时候交一次税；non-deductible现在缴本金的税，以后取的时候对盈利交税；
: taxable account每年有taxable event都要缴税，亏了钱可以抵税。
: 都有non-deductible traditional了，还要放弃backdoor roth 的，那是算术不过关。
: 有这时间在论坛上问答那么多天还是搞不明白，为什么不能google/wiki一下，花半个
: 小时不就搞清楚了？这点时间精力都不愿花，要投资赚钱就跟买彩票差不多。
|
f*******n
发帖数: 12623 | 13
Yes
that
No. Backdoor Roth IRA contribution is good because it allows you to
contribute to Roth IRA even when you can't. It's exactly the same as Roth
IRA except with no contribution income limit.
【在 s****M 的大作中提到】
: Even the traditional IRA doesn't carry any tax benefit? This is the part I
: don't get. I assume most of people are saying the backdoor IRA is good that
: is mainly based on the fact the traditional IRA has tax benefit already?
: Thanks!
|
s****M
发帖数: 34 | 14 Really appreciate all the suggestions |
