m******w
发帖数: 51 | 1 Anyone can help w/ answering this?
I did the Traditional to Roth IRA conversion a month ago, but forgot to
make the contribution for 2010? Can I
make the contribution now to the Traditional IRA, then do another conversion
? |
d*********g
发帖数: 2906 | 2 If your income is below the limit, you can contribute to the Roth IRA
directly.
Otherwise, you can contribute to the traditional IRA and then convert it to
Roth. Basically, this is a well known loophole. The income limit for Roth
contribution doesn't mean anything this way. |
s****y
发帖数: 561 | 3 可以。。。
conversion
【在 m******w 的大作中提到】
: Anyone can help w/ answering this?
: I did the Traditional to Roth IRA conversion a month ago, but forgot to
: make the contribution for 2010? Can I
: make the contribution now to the Traditional IRA, then do another conversion
: ?
|
m******w
发帖数: 51 | 4 Thanks for the reply! Will go to the broker next week. |
p*********2
发帖数: 24 | 5 traditional 转 roth 的时候要不要交contribute to traditional的时候免的税？
conversion
【在 m******w 的大作中提到】
: Anyone can help w/ answering this?
: I did the Traditional to Roth IRA conversion a month ago, but forgot to
: make the contribution for 2010? Can I
: make the contribution now to the Traditional IRA, then do another conversion
: ?
|
m******w
发帖数: 51 | 6 If it's deductible contribution, you'll have to pay the tax for it. |
y*****y
发帖数: 413 | 7 如果你交的是免税的traditional ira，转的时候免的税和收益都要交税
【在 p*********2 的大作中提到】
: traditional 转 roth 的时候要不要交contribute to traditional的时候免的税？
:
: conversion
|
c****a
发帖数: 18 | 8 what about non-deductible? earning need to be taxed when convert? |
i***i
发帖数: 1632 | 9 no
【在 c****a 的大作中提到】
: what about non-deductible? earning need to be taxed when convert?
|
y*****y
发帖数: 413 | 10 The earning will be taxed even if it is non-deductible IRA.
【在 i***i 的大作中提到】
: no
|
|
|
s****y
发帖数: 561 | 11 其实很简单
放进去的时候没交税，出来都要交税
放进去的时候是交过税的，出来就都不要交税
【在 y*****y 的大作中提到】
: The earning will be taxed even if it is non-deductible IRA.
|
p*********2
发帖数: 24 | 12 那为什么要把traditional 转成roth?
【在 s****y 的大作中提到】
: 其实很简单
: 放进去的时候没交税，出来都要交税
: 放进去的时候是交过税的，出来就都不要交税
|
y*****y
发帖数: 413 | 13 Non-deductible traditional IRA和Roth IRA的区别在于Roth IRA取出来的时候不用交
税,而
Non-deductible traditional IRA是tax defer,在取出来的时候,收益是要交税的.
所以,当你在做convert的时候,traditional IRA 的收益是要交税的.
网上随便查一下就能搞清楚了,不要被误导
【在 p*********2 的大作中提到】
: 那为什么要把traditional 转成roth?
|
y*****y
发帖数: 413 | 14 http://www.fool.com/investing/ira/2009/01/26/nondeductible-iras-worth-
the-hassle.aspx
The third option
But for those who don't qualify for either of those two options --
especially high-income individuals who are covered by a retirement plan
at work -- there's a third type of IRA that you don't hear much about.
Nondeductible IRAs work a lot like traditional IRAs, except that you
don't get a deduction when you contribute.
At first glance, that seems like the worst of both worlds. You miss out
on
【在 y*****y 的大作中提到】
: Non-deductible traditional IRA和Roth IRA的区别在于Roth IRA取出来的时候不用交
: 税,而
: Non-deductible traditional IRA是tax defer,在取出来的时候,收益是要交税的.
: 所以,当你在做convert的时候,traditional IRA 的收益是要交税的.
: 网上随便查一下就能搞清楚了,不要被误导
|
m*******y
发帖数: 904 | 15 traditional IRA 也有income limit 吧, 如果已经有401k的话
to
【在 d*********g 的大作中提到】
: If your income is below the limit, you can contribute to the Roth IRA
: directly.
: Otherwise, you can contribute to the traditional IRA and then convert it to
: Roth. Basically, this is a well known loophole. The income limit for Roth
: contribution doesn't mean anything this way.
|
n*****u
发帖数: 198 | 16 没有把，那个只是tax deductible 的limit吧，
问题在于把traditional ira 转成roth ira要不要看收入呢？还是可以随便转？如果这
样的话，那roth ira的limit还有什么意义呢？
【在 m*******y 的大作中提到】
: traditional IRA 也有income limit 吧, 如果已经有401k的话
:
: to
|
y*****y
发帖数: 413 | 17 2010开始conversion没有income limit，所以有一个loophole来bypass roth ira的
limit，什么时候国会决定不可以了之
前，都可以
【在 n*****u 的大作中提到】
: 没有把，那个只是tax deductible 的limit吧，
: 问题在于把traditional ira 转成roth ira要不要看收入呢？还是可以随便转？如果这
: 样的话，那roth ira的limit还有什么意义呢？
|
q**j
发帖数: 10612 | 18 幸亏2月份突然想起来给convert了。省了很多税。extremely happy. |
