h***a 发帖数: 145 | 1 今年4/15前开了个traditional ira 存了2k想省点税,结果弄完才发现我们的MAGI超过
118k的limit了,所以这个就是non-deductible traditional IRA. 然后我就没管了,
后来报完税后想起来就converted to roth IRA了。我想知道:1)这个2k是算在今年
ira的5.5k contribution limit吗?2)中间这段时间(从non-deductible t-IRA to
ROTH IRA)赚到的一点小钱,这个怎么报税?
谢谢进来和回答问题热心的同学啦! | r****m 发帖数: 1204 | 2 1) No. Rollover doesn't impact your IRA annual contribution limit.
2) Assume this is your only traditional IRA account (otherwise it will be
more complicated tax-wise), you just need to pay tax on the earning part. | b**u 发帖数: 2761 | 3 1. 你这2K算去年的5.5K额度;有的brokerage account网上在dealine(4/15?) 前直接
让你选择是算前一年的还是今年的额度;但如果你没有选,可能是默认算去年的额度,
不过最好你联系客服确认一下。
2.convert到Roth IRA的全部在明年报税会算为收入,其实你这样是double taxation了
;你的情况可以直接存roth IRA的;而你的做法是通常所说的backdoor Roth IRA,是
在收入超限以后的做法。
In 2015, the AGI phase-out range for taxpayers making contributions to a
Roth IRA is $183,000 to $193,000 for married couples filing jointly, up from
$181,000 to $191,000 in 2014. For singles and heads of household, the
income phase-out range is $116,000 to $131,000, up from $114,000 to $129,000
.....
【在 h***a 的大作中提到】 : 今年4/15前开了个traditional ira 存了2k想省点税,结果弄完才发现我们的MAGI超过 : 118k的limit了,所以这个就是non-deductible traditional IRA. 然后我就没管了, : 后来报完税后想起来就converted to roth IRA了。我想知道:1)这个2k是算在今年 : ira的5.5k contribution limit吗?2)中间这段时间(从non-deductible t-IRA to : ROTH IRA)赚到的一点小钱,这个怎么报税? : 谢谢进来和回答问题热心的同学啦!
| h***a 发帖数: 145 | 4 Thanks for your answer.
Have a great day.
【在 r****m 的大作中提到】 : 1) No. Rollover doesn't impact your IRA annual contribution limit. : 2) Assume this is your only traditional IRA account (otherwise it will be : more complicated tax-wise), you just need to pay tax on the earning part.
| h***a 发帖数: 145 | 5 非常感谢。
觉得double tax 貌似有点不合理 我再研究下。我觉得可能赚到的钱需要tax 但本金应
该不需要再收tax了吧。
from
000
【在 b**u 的大作中提到】 : 1. 你这2K算去年的5.5K额度;有的brokerage account网上在dealine(4/15?) 前直接 : 让你选择是算前一年的还是今年的额度;但如果你没有选,可能是默认算去年的额度, : 不过最好你联系客服确认一下。 : 2.convert到Roth IRA的全部在明年报税会算为收入,其实你这样是double taxation了 : ;你的情况可以直接存roth IRA的;而你的做法是通常所说的backdoor Roth IRA,是 : 在收入超限以后的做法。 : In 2015, the AGI phase-out range for taxpayers making contributions to a : Roth IRA is $183,000 to $193,000 for married couples filing jointly, up from : $181,000 to $191,000 in 2014. For singles and heads of household, the : income phase-out range is $116,000 to $131,000, up from $114,000 to $129,000
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