u****x
发帖数: 349 | 1 往2010年账户存了5k，请问现在2011年11月份可以取出来吗？有税吗？ | f*******n
发帖数: 12623 | 2 按我理解，roth ira的本金是随时可以拿出来的，没有税或罚的。但是挣了的钱拿出来
就要罚。 | s*****m
发帖数: 8094 | 3 随时？你确信？
http://en.wikipedia.org/wiki/Roth_IRA
wiki说的是本金5年以后，其他的是59.5岁
In contrast to a traditional IRA, contributions to a Roth IRA are not tax-
deductible. Withdrawals are generally tax-free, but not always and not
without certain stipulations (i.e., tax free when the plan has been opened
for at least 5 years for principal withdrawals and the owner's age is at
least 59½ for withdrawals on the growth portion above principal). An
advantage of the Roth IRA over a traditional IRA is that there are fewer
withdrawal restrictions and requirements. Transactions inside an account (
including capital gains, dividends, and interest) do not incur a current tax
liability.
【在 f*******n 的大作中提到】
: 按我理解，roth ira的本金是随时可以拿出来的，没有税或罚的。但是挣了的钱拿出来
: 就要罚。
| f*******n
发帖数: 12623 | 4
http://en.wikipedia.org/wiki/Roth_IRA
Direct contributions to a Roth IRA may be withdrawn tax free at any time.
【在 s*****m 的大作中提到】
: 随时？你确信？
: http://en.wikipedia.org/wiki/Roth_IRA
: wiki说的是本金5年以后，其他的是59.5岁
: In contrast to a traditional IRA, contributions to a Roth IRA are not tax-
: deductible. Withdrawals are generally tax-free, but not always and not
: without certain stipulations (i.e., tax free when the plan has been opened
: for at least 5 years for principal withdrawals and the owner's age is at
: least 59½ for withdrawals on the growth portion above principal). An
: advantage of the Roth IRA over a traditional IRA is that there are fewer
: withdrawal restrictions and requirements. Transactions inside an account (
| s*****m
发帖数: 8094 | 5 看来wiki就是不靠铺。
直接看pub吧
http://www.irs.gov/publications/p590/ch02.html#en_US_2010_publi
哪里写随便withdraw的？
仔细看看What Are Qualified Distributions?部分哪里说随便withdraw什么所谓的“
direct contribution"不用上税的？
"""
A qualified distribution is any payment or distribution from your Roth IRA
that meets the following requirements.
It is made after the 5-year period beginning with the first taxable year for
which a contribution was made to a Roth IRA set up for your benefit, and
The payment or distribution is:
a. Made on or after the date you reach age 59½,
b. Made because you are disabled,
c. Made to a beneficiary or to your estate after your death, or
d. One that meets the requirements listed under First home under Exceptions in
chapter 1 (up to a $10,000 lifetime limit).
"""
最后，只有一种情况可以拿回contributions不交税，但也是有限制的，简单说就是扯了帐户，但需要在当年搞，
lz是2010年的户头，现在是2011年，没戏。
Withdrawals of contributions by due date. If you withdraw contributions (including any net earnings on the
contributions) by the due date of your return for the year in which you made the contribution, the
contributions are treated as if you never made them. If you have an extension of time to file your return,
you can withdraw the contributions and earnings by the extended due date. The withdrawal of contributions
is tax free, but you must include the earnings on the contributions in income for the year in which you
made the contributions.
【在 f*******n 的大作中提到】
:
: http://en.wikipedia.org/wiki/Roth_IRA
: Direct contributions to a Roth IRA may be withdrawn tax free at any time.
| s******o
发帖数: 2233 | 6 Are Distributions Taxable?
You generally do not include in your gross income qualified distributions or
distributions that are a return of your regular contributions from your
Roth IRA(s). You also do not include distributions from your Roth IRA that
you roll over tax free into another Roth IRA. You may have to include part
of other distributions in your income. See Ordering Rules for Distributions
, later
for
【在 s*****m 的大作中提到】
: 看来wiki就是不靠铺。
: 直接看pub吧
: http://www.irs.gov/publications/p590/ch02.html#en_US_2010_publi
: 哪里写随便withdraw的？
: 仔细看看What Are Qualified Distributions?部分哪里说随便withdraw什么所谓的“
: direct contribution"不用上税的？
: """
: A qualified distribution is any payment or distribution from your Roth IRA
: that meets the following requirements.
: It is made after the 5-year period beginning with the first taxable year for
| u****x
发帖数: 349 | 7 Withdrawing your contributions
The rules for Roth IRAs permit you to do something that isn't allowed for
traditional IRAs: withdraw the nontaxable part of your money first.
Distributions from traditional IRAs come partly from earnings and partly
from contributions. But when you take money out of a Roth IRA, the first
dollars you take out are considered to be a return of your regular
contributions. You don't have to meet any special tests to receive those
dollars free of tax. You can take them out any time, for any reason, without
paying tax or penalties.
When you apply this rule, you treat all of your Roth IRAs like a single big
Roth IRA.
Example: Suppose you have a Roth IRA with a balance of $2,500 (a $2,000
contribution and $500 of earnings) and another Roth IRA with a balance of $3
,000 (a $2,000 contribution in a different year and $1,000 of earnings). You
can withdraw the entire $3,000 from the second Roth IRA without paying tax,
even if you don't meet the tests to withdraw earnings tax-free. Your other
Roth IRA will now be treated as if it has $1,000 of contributions and $1,500
of earnings.
There's an exception to the rule that contributions come first when you
withdraw money from a Roth IRA. When you withdraw excess contributions (
contributions that are not permitted, or contributions that are larger than
permitted) you may be required to withdraw earnings attributable to those
contributions.
In a way, you might consider it a disadvantage to be able to take money out
of a Roth IRA so easily. Remember, the best way to grow your investments is
to keep as much as possible in your Roth IRA as long as possible, so it will
continue to earn investment income tax-free. You may find it hard to resist
the temptation to take money out of your Roth IRA — and later regret that
you withdrew the money. | s*****m
发帖数: 8094 | 8 没在官网上看到“any time”这么一说，哪里？
without
big
【在 u****x 的大作中提到】
: Withdrawing your contributions
: The rules for Roth IRAs permit you to do something that isn't allowed for
: traditional IRAs: withdraw the nontaxable part of your money first.
: Distributions from traditional IRAs come partly from earnings and partly
: from contributions. But when you take money out of a Roth IRA, the first
: dollars you take out are considered to be a return of your regular
: contributions. You don't have to meet any special tests to receive those
: dollars free of tax. You can take them out any time, for any reason, without
: paying tax or penalties.
: When you apply this rule, you treat all of your Roth IRAs like a single big
| s*****m
发帖数: 8094 | 9 这里说的就是所有的distributions都是"qualified"？拿回本金都是"qualified"？
or
Distributions
【在 s******o 的大作中提到】
: Are Distributions Taxable?
: You generally do not include in your gross income qualified distributions or
: distributions that are a return of your regular contributions from your
: Roth IRA(s). You also do not include distributions from your Roth IRA that
: you roll over tax free into another Roth IRA. You may have to include part
: of other distributions in your income. See Ordering Rules for Distributions
: , later
:
: for
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