e***7
发帖数: 862 | 1 5500全部超了， 18年1月放进去的，考古说只要4月15号没file return 之前取出来就
行,还是得走recharacterization？
这2种办法收益都得交税？ |
r****m
发帖数: 1204 | 2 If you qualify for Traditional IRA, recharacterization is a good option,
because you don’t lose earnings and the money still goes toward your
retirement, and you will get a tax deduction for your contribution.
If you don't qualify for Traditional IRA, you can withdraw the extra
contribution and any earnings before tax deadline without penalty. The
earnings will be reported as income. |
f*******n
发帖数: 12623 | 3 Anyone (with at least $5500 income) qualifies to contribute to Traditional
IRA. You just can't deduct the contribution if you or your spouse is covered
by a retirement plan at work and your income is too high.
However, assuming you did not previously have any money in a pre-tax IRA,
you can convert it to Roth IRA (effectively a backdoor Roth IRA contribution
) with little or not tax.
【在 r****m 的大作中提到】
: If you qualify for Traditional IRA, recharacterization is a good option,
: because you don’t lose earnings and the money still goes toward your
: retirement, and you will get a tax deduction for your contribution.
: If you don't qualify for Traditional IRA, you can withdraw the extra
: contribution and any earnings before tax deadline without penalty. The
: earnings will be reported as income.
|
e***7
发帖数: 862 | 4 我18年投roth ira 的5500肯定是超了，所以将就recharacterization 到Traditional
IRA 再convert back to Roth IRA,这个等同于做个backdoor Roth IRA contribution？
covered
contribution
【在 f*******n 的大作中提到】
: Anyone (with at least $5500 income) qualifies to contribute to Traditional
: IRA. You just can't deduct the contribution if you or your spouse is covered
: by a retirement plan at work and your income is too high.
: However, assuming you did not previously have any money in a pre-tax IRA,
: you can convert it to Roth IRA (effectively a backdoor Roth IRA contribution
: ) with little or not tax.
|
e***7
发帖数: 862 | 5 还有一个我问题是亏损的话怎么报税，差不多5500还剩5000，那这亏的500是after tax
，就不用交税了（因为是亏损的） ？
【在 r****m 的大作中提到】
: If you qualify for Traditional IRA, recharacterization is a good option,
: because you don’t lose earnings and the money still goes toward your
: retirement, and you will get a tax deduction for your contribution.
: If you don't qualify for Traditional IRA, you can withdraw the extra
: contribution and any earnings before tax deadline without penalty. The
: earnings will be reported as income.
|
e***7
发帖数: 862 | 6 5500全部超了， 18年1月放进去的，考古说只要4月15号没file return 之前取出来就
行,还是得走recharacterization？
这2种办法收益都得交税？ |
r****m
发帖数: 1204 | 7 If you qualify for Traditional IRA, recharacterization is a good option,
because you don’t lose earnings and the money still goes toward your
retirement, and you will get a tax deduction for your contribution.
If you don't qualify for Traditional IRA, you can withdraw the extra
contribution and any earnings before tax deadline without penalty. The
earnings will be reported as income. |
f*******n
发帖数: 12623 | 8 Anyone (with at least $5500 income) qualifies to contribute to Traditional
IRA. You just can't deduct the contribution if you or your spouse is covered
by a retirement plan at work and your income is too high.
However, assuming you did not previously have any money in a pre-tax IRA,
you can convert it to Roth IRA (effectively a backdoor Roth IRA contribution
) with little or not tax.
【在 r****m 的大作中提到】
: If you qualify for Traditional IRA, recharacterization is a good option,
: because you don’t lose earnings and the money still goes toward your
: retirement, and you will get a tax deduction for your contribution.
: If you don't qualify for Traditional IRA, you can withdraw the extra
: contribution and any earnings before tax deadline without penalty. The
: earnings will be reported as income.
|
e***7
发帖数: 862 | 9 我18年投roth ira 的5500肯定是超了，所以将就recharacterization 到Traditional
IRA 再convert back to Roth IRA,这个等同于做个backdoor Roth IRA contribution？
covered
contribution
【在 f*******n 的大作中提到】
: Anyone (with at least $5500 income) qualifies to contribute to Traditional
: IRA. You just can't deduct the contribution if you or your spouse is covered
: by a retirement plan at work and your income is too high.
: However, assuming you did not previously have any money in a pre-tax IRA,
: you can convert it to Roth IRA (effectively a backdoor Roth IRA contribution
: ) with little or not tax.
|
e***7
发帖数: 862 | 10 还有一个我问题是亏损的话怎么报税，差不多5500还剩5000，那这亏的500是after tax
，就不用交税了（因为是亏损的） ？
【在 r****m 的大作中提到】
: If you qualify for Traditional IRA, recharacterization is a good option,
: because you don’t lose earnings and the money still goes toward your
: retirement, and you will get a tax deduction for your contribution.
: If you don't qualify for Traditional IRA, you can withdraw the extra
: contribution and any earnings before tax deadline without penalty. The
: earnings will be reported as income.
|
b****z
发帖数: 945 | 11 想请问一下，您这里说的earning算收入，这个earning如何算呢？
我存了全额traditional IRA（帐户里本已有前些年的rollover的钱），是去年中期存
的（for 2018)。现在发现有一部份不能tax free，我是不是应该取出来、转到ROTH
IRA里？我的收入可以存ROTH IRA。
多谢！
【在 r****m 的大作中提到】
: If you qualify for Traditional IRA, recharacterization is a good option,
: because you don’t lose earnings and the money still goes toward your
: retirement, and you will get a tax deduction for your contribution.
: If you don't qualify for Traditional IRA, you can withdraw the extra
: contribution and any earnings before tax deadline without penalty. The
: earnings will be reported as income.
|
f*******n
发帖数: 12623 | 12 如果你的收入真的可以直接存Roth IRA的话，那你不如把你去年的Traditional IRA
contribution的不能deduct那部分recharacterize为一个Roth IRA contribution。那
样就当你当初那些钱存到Roth IRA一样，不用为收益交税。
【在 b****z 的大作中提到】
: 想请问一下，您这里说的earning算收入，这个earning如何算呢？
: 我存了全额traditional IRA（帐户里本已有前些年的rollover的钱），是去年中期存
: 的（for 2018)。现在发现有一部份不能tax free，我是不是应该取出来、转到ROTH
: IRA里？我的收入可以存ROTH IRA。
: 多谢！
|
b****z
发帖数: 945 | 13 我的收入不高，是可以存ROTH IRA的。
这么说，我直接把不能TAX DEDUCTIBLE的那部份从TRADITIONAL IRA帐户转到ROTH IRA
，不用管是否有收益/亏损，对吗？
谢谢！
【在 f*******n 的大作中提到】
: 如果你的收入真的可以直接存Roth IRA的话，那你不如把你去年的Traditional IRA
: contribution的不能deduct那部分recharacterize为一个Roth IRA contribution。那
: 样就当你当初那些钱存到Roth IRA一样，不用为收益交税。
|
f*******n
发帖数: 12623 | 14 首先，conversion跟recharacterization是两码事。如果你从Traditional IRA
convert钱到Roth IRA，会convert部分税前的钱、部分税后的钱，根据你所有
Traditional IRA的钱（包括你之前从401k rollover的那些）里的比例。你不能只
convert税后的钱。convert税前的钱要交税。而且会留下一些税后的钱在Traditional
IRA里。所以你不应该convert。
recharacterization就是把去年的contribution从一样IRA修改成另一样IRA。这不用交
税，因为，理论上，你不是转钱，而是修改当初存的账户类型。但是你现在要转的数量
跟你当初不能deduct的数量不同，因为之间有收益，所以你根据你contribute当时你所
有Traditional IRA的价值，跟现在所有Traditional IRA的价值，来算出多少现在的钱
相当于当时那么多contribution。你要用publication 590-A worksheet 1-3来算。
你说你“的收入不高，是可以存ROTH IRA的”。但是你又说你因为配偶的401k不能
deduct Traditional IRA contribution。这是矛盾，因为两个的收入上限是一样的。
（2018 married filing jointy的存Roth IRA的phaseout是在$189k-$199k。2018
married filing jointly，你自己不covered by retirement plan at work，但是你配
偶covered by retirement plan at work，你要deduct Traditional IRA
contribution，这个phaseout也是在$189k-$199k。）所以你也应该差不多到不能存
Roth IRA的地步。
IRA
【在 b****z 的大作中提到】
: 我的收入不高，是可以存ROTH IRA的。
: 这么说，我直接把不能TAX DEDUCTIBLE的那部份从TRADITIONAL IRA帐户转到ROTH IRA
: ，不用管是否有收益/亏损，对吗？
: 谢谢！
|
