c**********e
发帖数: 71 | 1 我怎么觉得transitional Ira 更合适呢，考虑将来养老时一年取出钱肯定比现在
income 少，税率更低。这个想法对吗
另外401k 中的transition ira 对自己另外买ira做backdoor Roth conversion 的
prorate 有影响吗？
求指点 | m*********t
发帖数: 1250 | 2 1. Yes or No； Tax-deductible Traditional IRA有income limit，很多double inco
me family和个人都不qualify。
https://thefinancebuff.com/2017-401k-403b-457-simple-roth-ira-limits.html
Deductible IRA Income Limit
The income limit for taking a full deduction for your contribution to a trad
itional IRA while participating in a workplace retirement will increase by $
1,000 for singles, from $61,000 in 2016 to $62,000 in 2017, and for married
filing jointly, from $98,000 in 2016 to $99,000 in 2017. The deduction compl
etely phases out when your income goes above $72,000 for singles and $119,00
0 for married filing jointly, an increase by $1,000.
The income limit for taking a full deduction for your contribution to a trad
itional IRA when you are not covered in a workplace retirement but your spou
se is will go up by $2,000 for married filing jointly from $184,000 in 2016
to $186,000 in 2017. The deduction completely phases out when your income go
es above $196,000 for married filing jointly, also up by $2,000 in 2017.
2. 401K跟IRA是两回事，你说的是Pre-tax 401的conversion to IRA，如果你之前有Tr
aditiona IRA，当做backdoor roth conversion的时候会受pro rata rule影响，详见下
面的帖子。
https://www.kitces.com/blog/intra-plan-conversions-to-a-roth-401k-and-conver
ting-in-service-distributions-from-a-401k-plan-to-a-roth-ira/
【在 c**********e 的大作中提到】
: 我怎么觉得transitional Ira 更合适呢，考虑将来养老时一年取出钱肯定比现在
: income 少，税率更低。这个想法对吗
: 另外401k 中的transition ira 对自己另外买ira做backdoor Roth conversion 的
: prorate 有影响吗？
: 求指点
| c**********e
发帖数: 71 | 3 第一个问题的回答还是不大懂。公司的401k给了两种contribution, transitional and
Roth, 我可以定比例。contribution limit 会因为这个比例不同而不同吗？我以为上
限都是一人$18000
: 1. Yes or No； Tax-deductible Traditional IRA有income limit，很多
double inco
: me family和个人都不qualify。
: https://thefinancebuff.com/2017-401k-403b-457-simple-roth-ira-limits.
html
: Deductible IRA Income Limit
: The income limit for taking a full deduction for your contribution to
a trad
: itional IRA while participating in a workplace retirement will
increase by $
: 1,000 for singles, from $61,000 in 2016 to $62,000 in 2017, and for
married
: filing jointly, from $98,000 in 2016 to $99,000 in 2017. The deduction
compl
: etely phases out when your income goes above $72,000 for singles and $
119,00
: 0 for married filing jointly, an increase by $1,000.
【在 m*********t 的大作中提到】
: 1. Yes or No； Tax-deductible Traditional IRA有income limit，很多double inco
: me family和个人都不qualify。
: https://thefinancebuff.com/2017-401k-403b-457-simple-roth-ira-limits.html
: Deductible IRA Income Limit
: The income limit for taking a full deduction for your contribution to a trad
: itional IRA while participating in a workplace retirement will increase by $
: 1,000 for singles, from $61,000 in 2016 to $62,000 in 2017, and for married
: filing jointly, from $98,000 in 2016 to $99,000 in 2017. The deduction compl
: etely phases out when your income goes above $72,000 for singles and $119,00
: 0 for married filing jointly, an increase by $1,000.
| c**********e
发帖数: 71 | 4 第二个问题我听明白了。只是我其实想问的是：如果我在fidelity有transitional ira
and Roth Ira，当我convert transitional Ira to Roth ira via backdoor process
, 我公司401k中的tranditional component 会影响这个conversion prorate 吗？还是
两者无关？看起来是无关。
: 1. Yes or No； Tax-deductible Traditional IRA有income limit，很多
double inco
: me family和个人都不qualify。
: https://thefinancebuff.com/2017-401k-403b-457-simple-roth-ira-limits.
html
: Deductible IRA Income Limit
: The income limit for taking a full deduction for your contribution to
a trad
: itional IRA while participating in a workplace retirement will
increase by $
: 1,000 for singles, from $61,000 in 2016 to $62,000 in 2017, and for
married
: filing jointly, from $98,000 in 2016 to $99,000 in 2017. The deduction
compl
: etely phases out when your income goes above $72,000 for singles and $
119,00
: 0 for married filing jointly, an increase by $1,000.
【在 m*********t 的大作中提到】
: 1. Yes or No； Tax-deductible Traditional IRA有income limit，很多double inco
: me family和个人都不qualify。
: https://thefinancebuff.com/2017-401k-403b-457-simple-roth-ira-limits.html
: Deductible IRA Income Limit
: The income limit for taking a full deduction for your contribution to a trad
: itional IRA while participating in a workplace retirement will increase by $
: 1,000 for singles, from $61,000 in 2016 to $62,000 in 2017, and for married
: filing jointly, from $98,000 in 2016 to $99,000 in 2017. The deduction compl
: etely phases out when your income goes above $72,000 for singles and $119,00
: 0 for married filing jointly, an increase by $1,000.
| b*******c
发帖数: 20683 | 5 我一直投pre-tax的traditional 401K，先省现在的税再说
and
【在 c**********e 的大作中提到】
: 第一个问题的回答还是不大懂。公司的401k给了两种contribution, transitional and
: Roth, 我可以定比例。contribution limit 会因为这个比例不同而不同吗？我以为上
: 限都是一人$18000
:
:
: 1. Yes or No； Tax-deductible Traditional IRA有income limit，很多
: double inco
:
: me family和个人都不qualify。
:
: https://thefinancebuff.com/2017-401k-403b-457-simple-roth-ira-limits.
: html
:
: Deductible IRA Income Limit
| m*********t
发帖数: 1250 | 6 你理解是对的，你可以随意定两者的比例，但总额加起来是$18000. 但这个是不包括Af
ter-tax 401K的，不过这个选项不是每个公司都有。
and
to
【在 c**********e 的大作中提到】
: 第一个问题的回答还是不大懂。公司的401k给了两种contribution, transitional and
: Roth, 我可以定比例。contribution limit 会因为这个比例不同而不同吗？我以为上
: 限都是一人$18000
:
:
: 1. Yes or No； Tax-deductible Traditional IRA有income limit，很多
: double inco
:
: me family和个人都不qualify。
:
: https://thefinancebuff.com/2017-401k-403b-457-simple-roth-ira-limits.
: html
:
: Deductible IRA Income Limit
| m*********t
发帖数: 1250 | 7 401K和IRA是分开的，但是由于401K在有些情况下可以convert到IRA，所以，情况会比较
复杂。对于你的情况来说，只是单纯的IRA里面的backdoor操作，没有影响。
ira
process
【在 c**********e 的大作中提到】
: 第二个问题我听明白了。只是我其实想问的是：如果我在fidelity有transitional ira
: and Roth Ira，当我convert transitional Ira to Roth ira via backdoor process
: , 我公司401k中的tranditional component 会影响这个conversion prorate 吗？还是
: 两者无关？看起来是无关。
:
:
: 1. Yes or No； Tax-deductible Traditional IRA有income limit，很多
: double inco
:
: me family和个人都不qualify。
:
: https://thefinancebuff.com/2017-401k-403b-457-simple-roth-ira-limits.
: html
| f*******n
发帖数: 12623 | 8
有些人到老了发现其实税率挺高的
还有你说的是“Traditional”不是什么“transitional”
没有影响
【在 c**********e 的大作中提到】
: 我怎么觉得transitional Ira 更合适呢，考虑将来养老时一年取出钱肯定比现在
: income 少，税率更低。这个想法对吗
: 另外401k 中的transition ira 对自己另外买ira做backdoor Roth conversion 的
: prorate 有影响吗？
: 求指点
| c**********e
发帖数: 71 | 9 请教如何rollover SEP account 到公司401k?
: 401K和IRA是分开的，但是由于401K在有些情况下可以convert到IRA，所以，情
况会比较
: 复杂。对于你的情况来说，只是单纯的IRA里面的backdoor操作，没有影响。
: ira
: process
【在 m*********t 的大作中提到】
: 401K和IRA是分开的，但是由于401K在有些情况下可以convert到IRA，所以，情况会比较
: 复杂。对于你的情况来说，只是单纯的IRA里面的backdoor操作，没有影响。
:
: ira
: process
| c**********e
发帖数: 71 | 10 请教如何rollover SEP account 到公司401k?
: 401K和IRA是分开的，但是由于401K在有些情况下可以convert到IRA，所以，情
况会比较
: 复杂。对于你的情况来说，只是单纯的IRA里面的backdoor操作，没有影响。
: ira
: process
【在 m*********t 的大作中提到】
: 401K和IRA是分开的，但是由于401K在有些情况下可以convert到IRA，所以，情况会比较
: 复杂。对于你的情况来说，只是单纯的IRA里面的backdoor操作，没有影响。
:
: ira
: process
| b*******c
发帖数: 20683 | 11 问公司
【在 c**********e 的大作中提到】
: 请教如何rollover SEP account 到公司401k?
:
:
: 401K和IRA是分开的，但是由于401K在有些情况下可以convert到IRA，所以，情
: 况会比较
:
: 复杂。对于你的情况来说，只是单纯的IRA里面的backdoor操作，没有影响。
:
: ira
:
: process
:
|
|
