y********a
发帖数: 1 | |
b**l
发帖数: 33123 | 2 不光是mega
妈蛋猪党确实狠
【在 y********a 的大作中提到】
: https://www.cnbc.com/2021/11/19/house-passes-build-back-better-act-
: retirement-plans-for-the-wealthy.html
|
y********a
发帖数: 1 | 3 没仔细看，6k的普通backdoor也没啦？
: 不光是mega
: 妈蛋猪党确实狠
【在 b**l 的大作中提到】
: 不光是mega
: 妈蛋猪党确实狠
|
b**l
发帖数: 33123 | 4 “The House legislation would address both.
Firstly, it would prohibit any after-tax contributions in 401(k) and other
workplace plans and IRAs from being converted to Roth savings. This rule
would apply to all income levels starting after Dec. 31, 2021.
Secondly, savers would be unable to convert pre-tax to Roth savings in IRAs
and workplace retirement plans if their taxable income exceeds $400,000 (
single individuals), $450,000 (married couples), or $425,000 (heads of
household). It would start after Dec. 31, 2031.”
【在 y********a 的大作中提到】
: 没仔细看，6k的普通backdoor也没啦？
:
:
: 不光是mega
:
: 妈蛋猪党确实狠
:
|
t**8
发帖数: 4527 | 5 40 万以下还可以啊
IRAs
【在 b**l 的大作中提到】
: “The House legislation would address both.
: Firstly, it would prohibit any after-tax contributions in 401(k) and other
: workplace plans and IRAs from being converted to Roth savings. This rule
: would apply to all income levels starting after Dec. 31, 2021.
: Secondly, savers would be unable to convert pre-tax to Roth savings in IRAs
: and workplace retirement plans if their taxable income exceeds $400,000 (
: single individuals), $450,000 (married couples), or $425,000 (heads of
: household). It would start after Dec. 31, 2031.”
|
b********e
发帖数: 595 | 6 40万以下是可以转pre-tax到roth，但是看这个意思是不能存roth和aftertax 401k了。
高收入的这样存401k和ira看着没有太大吸引力了，不如股票账户快进快出了。整体会
加大股市的波动，长期投资的钱会减少 |
y********a
发帖数: 1 | 7 2031，看来普通backdoor还能搞十年？十年以后说不定又被推翻了
: “The House legislation would address both.
: Firstly, it would prohibit any after-tax contributions in 401(k) and
other
: workplace plans and IRAs from being converted to Roth savings. This
rule
: would apply to all income levels starting after Dec. 31, 2021.
: Secondly, savers would be unable to convert pre-tax to Roth savings in
IRAs
: and workplace retirement plans if their taxable income exceeds $400,
000 (
: single individuals), $450,000 (married couples), or $425,000 (heads of
: household). It would start after Dec. 31, 2031.”
【在 b**l 的大作中提到】
: “The House legislation would address both.
: Firstly, it would prohibit any after-tax contributions in 401(k) and other
: workplace plans and IRAs from being converted to Roth savings. This rule
: would apply to all income levels starting after Dec. 31, 2021.
: Secondly, savers would be unable to convert pre-tax to Roth savings in IRAs
: and workplace retirement plans if their taxable income exceeds $400,000 (
: single individuals), $450,000 (married couples), or $425,000 (heads of
: household). It would start after Dec. 31, 2031.”
|
b********e
发帖数: 595 | 8 主要是第一条写的太不专业了
any after-tax contributions in 401(k) and other workplace plans and IRAs
from being converted to Roth savings.
我看了好几遍，我的理解是
After-tax 401k不能转roth ira
Roth 401k不知道是不是也涵盖在“after-tax contribution”里了，按说也是，所以
看不懂为什么roth 401k不能converted to roth ira （不知道是可以转还是官老爷们
忘了roth 401k）
other workplace plan指的是403k之类的，跟上面401k的问题一样
IRAs前and应该是plans在一起，不然税后IRAs from being converted to Roth IRA讲
不通，本来就是一个东东
这个记者内容的总结简直写成了天书，估计完全没有金融概念，一脑子浆糊
：2031，看来普通backdoor还能搞十年？十年以后说不定又被推翻了
：【 在 baal(白日梦) 的大作中提到: 】
：
: “The House legislation would address both.
：
: Firstly, it would prohibit any after-tax contributions in
401(k) and
：other
：
: workplace plans and IRAs from being converted to Roth
savings. This
：rule
：
: would apply to all income levels starting after Dec. 31,
2021.
：
: Secondly, savers would be unable to convert pre-tax to Roth
savings in IRAs
：
: and workplace retirement plans if their taxable income
exceeds $400,
：..........
【在 y********a 的大作中提到】
: 2031，看来普通backdoor还能搞十年？十年以后说不定又被推翻了
:
:
: “The House legislation would address both.
:
: Firstly, it would prohibit any after-tax contributions in 401(k) and
: other
:
: workplace plans and IRAs from being converted to Roth savings. This
: rule
:
: would apply to all income levels starting after Dec. 31, 2021.
:
: Secondly, savers would be unable to convert pre-tax to Roth savings in
: IRAs
|
s******n
发帖数: 3946 | 9 bill原文，看了两遍还是没看懂：
第一部分2021 12 31后，是禁止contribution还是禁止conversion
照字面读是禁止conversion，那第一步都无条件禁止conversion了，还来第二部分不是
脱裤子放屁吗？
第二部分2031 12 31后，很明白是40万以下的禁止conversion
In order to close this so-called “back-door” Roth IRA strategy, and a
similar one for retirement
plans, this section prohibits all employee after-tax contributions in
qualified plans and after-tax
IRA contributions from being converted to Roth regardless of income level,
effective for
distributions, transfers, and contributions made after December 31, 2021.
In addition, the bill eliminates Roth conversions for both IRAs and employer
-sponsored plans for
single taxpayers (or taxpayers married filing separately) with taxable
income over $400,000,
married taxpayers filing jointly with taxable income over $450,000, and
heads of households
with taxable income over $425,000 (all indexed for inflation). This
provision applies to
distributions, transfers, and contributions made in taxable years beginning
after December 31,
2031. |
s******n
发帖数: 3946 | |
n********g
发帖数: 6504 | 11 如果（提前）退休以后转的时候收入还在40万以上，那就别转ROTH了。为龙虾党多做贡
献。Big Deal。
【在 s******n 的大作中提到】
: bill原文，看了两遍还是没看懂：
: 第一部分2021 12 31后，是禁止contribution还是禁止conversion
: 照字面读是禁止conversion，那第一步都无条件禁止conversion了，还来第二部分不是
: 脱裤子放屁吗？
: 第二部分2031 12 31后，很明白是40万以下的禁止conversion
: In order to close this so-called “back-door” Roth IRA strategy, and a
: similar one for retirement
: plans, this section prohibits all employee after-tax contributions in
: qualified plans and after-tax
: IRA contributions from being converted to Roth regardless of income level,
|
b********e
发帖数: 595 | 12 这个写的清楚
Prohibited After 2021
The CRS notes that under Section 138311, all taxpayers would be forbidden to
make the following rollovers after 2021:
traditional IRA (nondeductible) to Roth IRA
after-tax (non-Roth) savings in a qualified plan to Roth IRA
after-tax (non-Roth) savings in a qualified plan to designated Roth account
in a qualified plan
Under the current tax treatment of such rollovers, the report notes,
earnings are included in taxable income.
Prohibited After 2031
Under Section 138311, high-income taxpayers would be forbidden to make the
following rollovers after 2031:
traditional IRA (deductible) to Roth IRA
pre-tax savings in qualified plan to Roth IRA
pre-tax savings in qualified plan to designated Roth account in qualified
plan
Under the current tax treatment of such rollovers, the report notes,
rollover amounts are included in taxable income.
Unchanged
The CRS notes that Section 138311 would not change current law or regulation
regarding the following rollovers:
Roth IRA to Roth IRA
designated Roth account in qualified plan to Roth IRA |
b********e
发帖数: 595 | 13 这个写的清楚
2022年开始马上不可以backdoor， 普通和mega的都不行。（roth 401k可能是唯一侥幸
的）aftertax 401k和aftertax traditional ira不能convert到roth ira的话，收益取
出来时要交税，基本上等于废了。这样相当于不鼓励多余的钱进自己的roth ira，或者
花了，或者进hsa、529以及孩子的roth ira
2031年后是税前的ira里的钱也不可以转roth， 如果收入40万以上。这条看着对中产约
束不大，除非通货膨胀大家都收入超40万，还可以假离婚规避
Prohibited After 2021
The CRS notes that under Section 138311, all taxpayers would be forbidden to
make the following rollovers after 2021:
traditional IRA (nondeductible) to Roth IRA
after-tax (non-Roth) savings in a qualified plan to Roth IRA
after-tax (non-Roth) savings in a qualified plan to designated Roth account
in a qualified plan
Under the current tax treatment of such rollovers, the report notes,
earnings are included in taxable income.
Prohibited After 2031
Under Section 138311, high-income taxpayers would be forbidden to make the
following rollovers after 2031:
traditional IRA (deductible) to Roth IRA
pre-tax savings in qualified plan to Roth IRA
pre-tax savings in qualified plan to designated Roth account in qualified
plan
Under the current tax treatment of such rollovers, the report notes,
rollover amounts are included in taxable income.
Unchanged
The CRS notes that Section 138311 would not change current law or regulation
regarding the following rollovers:
Roth IRA to Roth IRA
designated Roth account in qualified plan to Roth IRA |
g**c
发帖数: 2339 | |
J*******r
发帖数: 1 | 15 所以 Roth 401k还是可以转Roth IRA的？
没有理解错的话，就是不能像现在这样直接从after-tax 401k做in-service rollover
到 Roth IRA了？但如果从公司离职或退休后，还是可以把钱从Roth 401k转到Roth IRA
? |
b********e
发帖数: 595 | 16 我觉得应该是可以，roth 401k记得需要遵守rmd。不能转roth ira，新公司没有roth
401k的话只能留着多个401k账户了
：所以 Roth 401k还是可以转Roth IRA的？
：没有理解错的话，就是不能像现在这样直接从after-tax 401k做in-service
rollover 到 Roth IRA了？但如果从公司离职或退休后，还是可以把钱从Roth 401k转
到Roth IRA
：?
【在 J*******r 的大作中提到】
: 所以 Roth 401k还是可以转Roth IRA的？
: 没有理解错的话，就是不能像现在这样直接从after-tax 401k做in-service rollover
: 到 Roth IRA了？但如果从公司离职或退休后，还是可以把钱从Roth 401k转到Roth IRA
: ?
|
s******n
发帖数: 3946 | 17 house通过了，等参议院了。
我怀疑会把那个20米RMD去掉，不要怀疑有钱人的政治实力。 |
J*******r
发帖数: 1 | 18 看上去401K after tax account 做in-plan conversion 到401k roth的路也不行了。
看来以后最佳的方案是直接把$19500的contribution全放到401k roth里面了。
【在 b********e 的大作中提到】
: 我觉得应该是可以，roth 401k记得需要遵守rmd。不能转roth ira，新公司没有roth
: 401k的话只能留着多个401k账户了
:
: ：所以 Roth 401k还是可以转Roth IRA的？
: ：没有理解错的话，就是不能像现在这样直接从after-tax 401k做in-service
: rollover 到 Roth IRA了？但如果从公司离职或退休后，还是可以把钱从Roth 401k转
: 到Roth IRA
: ：?
|
B*Q
发帖数: 25729 | 19 奶奶的！
刚刚开搞mega backdoor
Let's go Brandon! |
s******k
发帖数: 168 | 20 这句不就是说公司的afterTax 401K contribution不能in plan convert到Roth 401K吗
after-tax (non-Roth) savings in a qualified plan to designated Roth account
in a qualified plan
Senate也会做很多改动，最后应该又会打回House再来一遍
to
【在 b********e 的大作中提到】
: 这个写的清楚
: 2022年开始马上不可以backdoor， 普通和mega的都不行。（roth 401k可能是唯一侥幸
: 的）aftertax 401k和aftertax traditional ira不能convert到roth ira的话，收益取
: 出来时要交税，基本上等于废了。这样相当于不鼓励多余的钱进自己的roth ira，或者
: 花了，或者进hsa、529以及孩子的roth ira
: 2031年后是税前的ira里的钱也不可以转roth， 如果收入40万以上。这条看着对中产约
: 束不大，除非通货膨胀大家都收入超40万，还可以假离婚规避
: Prohibited After 2021
: The CRS notes that under Section 138311, all taxpayers would be forbidden to
: make the following rollovers after 2021:
|
s******k
发帖数: 168 | 21 这个和backdoor无关吧，要堵得的通过back door避税的loophole
rollover
IRA
【在 J*******r 的大作中提到】
: 所以 Roth 401k还是可以转Roth IRA的？
: 没有理解错的话，就是不能像现在这样直接从after-tax 401k做in-service rollover
: 到 Roth IRA了？但如果从公司离职或退休后，还是可以把钱从Roth 401k转到Roth IRA
: ?
|
s******k
发帖数: 168 | 22 提醒大家一下，year 2021 Traditional IRA contribution的deadline本来可以拖到22
年报税的deadline，可要是真的21年12/31之后就不能转Roth IRA，那想转还没转的同
学还是赶紧动手比较稳妥
to
【在 b********e 的大作中提到】
: 这个写的清楚
: 2022年开始马上不可以backdoor， 普通和mega的都不行。（roth 401k可能是唯一侥幸
: 的）aftertax 401k和aftertax traditional ira不能convert到roth ira的话，收益取
: 出来时要交税，基本上等于废了。这样相当于不鼓励多余的钱进自己的roth ira，或者
: 花了，或者进hsa、529以及孩子的roth ira
: 2031年后是税前的ira里的钱也不可以转roth， 如果收入40万以上。这条看着对中产约
: 束不大，除非通货膨胀大家都收入超40万，还可以假离婚规避
: Prohibited After 2021
: The CRS notes that under Section 138311, all taxpayers would be forbidden to
: make the following rollovers after 2021:
|
b********e
发帖数: 595 | 23 应该是保留了roth 401k到roth ira，所以要禁掉after tax401k转roth 401k。其实都
是瞎折腾，mega bacjdoor也就是普遍收入高的大企业，每家超不过1B。个体户搞solo
401k估计也不多
禁掉普通6千的backdoor，普通中产家庭影响的额度也不多，本来也就一个人6千，存
hsa和529，孩子大了有收入每年cash给孩子进roth ira，税务局毛好处也捞不到
：这句不就是说公司的afterTax 401K contribution不能in plan convert到Roth 401K
吗after-tax (non-Roth) savings in a qualified plan to designated Roth
account
：in a qualified plan
：Senate也会做很多改动，最后应该又会打回House再来一遍
【在 s******k 的大作中提到】
: 提醒大家一下，year 2021 Traditional IRA contribution的deadline本来可以拖到22
: 年报税的deadline，可要是真的21年12/31之后就不能转Roth IRA，那想转还没转的同
: 学还是赶紧动手比较稳妥
:
: to
|
m**********s
发帖数: 518 | 24 Brandon这么搞，对他以及主党的短期利益是啥，长期利益又是啥？ |
B*Q
发帖数: 25729 | 25 几个T的bill没钱搞了
本着苍蝇腿也是肉的原则。。。
【在 m**********s 的大作中提到】
: Brandon这么搞，对他以及主党的短期利益是啥，长期利益又是啥？
|
m**********s
发帖数: 518 | 26 那就是说对中期选举和连任都没好处？Brandon一脑子吗
【在 B*Q 的大作中提到】
: 几个T的bill没钱搞了
: 本着苍蝇腿也是肉的原则。。。
|
B*Q
发帖数: 25729 | 27 不见得
毕竟大多数人没钱搞这个
【在 m**********s 的大作中提到】
: 那就是说对中期选举和连任都没好处？Brandon一脑子吗
|
