h****u
发帖数: 15 | 1 我个问题要请教有经验的朋友们。 fund traditional IRA 以后能不能当天把钱
transfer to Roth IRA？ 我需要把钱放在traditional IRA一段时间后再transfer吗？
谢谢！ |
f*******n
发帖数: 12623 | 2 没有必要放一段时间。但是反正contribution、conversion这些过程一般都要处理几天
的。 |
r****m
发帖数: 1204 | 3 如果你是个非常conservative的人， 想play the backdoor Roth conversion really
safe (not caught by IRS charging you the true intention of funding the
traditional IRA is bypass the income limit of Roth IRA contribution), you
have to follow the "step transaction doctrine".
The safest way is to backdoor convert prior year's IRA contribution. 这样，
IRA就是audit到你， 也无话可说。 |
r****m
发帖数: 1204 | 4 当然，the chance of IRS auditing such transactions is very very small. To
play safe, just wait a few months to do the conversion, so you can claim
some condition changed that led to the Roth IRA conversion ... |
n******n
发帖数: 12088 | 5 why last year is OK?
really
，
【在 r****m 的大作中提到】
: 如果你是个非常conservative的人， 想play the backdoor Roth conversion really
: safe (not caught by IRS charging you the true intention of funding the
: traditional IRA is bypass the income limit of Roth IRA contribution), you
: have to follow the "step transaction doctrine".
: The safest way is to backdoor convert prior year's IRA contribution. 这样，
: IRA就是audit到你， 也无话可说。
|
f*******n
发帖数: 12623 | 6 但是等越久税上就越多麻烦，因为隔越多时间钱就越多时间长，长了的钱convert的时
候要交税。
really
，
【在 r****m 的大作中提到】
: 如果你是个非常conservative的人， 想play the backdoor Roth conversion really
: safe (not caught by IRS charging you the true intention of funding the
: traditional IRA is bypass the income limit of Roth IRA contribution), you
: have to follow the "step transaction doctrine".
: The safest way is to backdoor convert prior year's IRA contribution. 这样，
: IRA就是audit到你， 也无话可说。
|
r****m
发帖数: 1204 | 7 是的。
The reason you convert previous year's IRA fund is to make sure IRS can't
make it an issue - you can safely argue your situation changed over the
course of time, it's sufficiently long. |
