j******e
发帖数: 64 | 1 估计很多人已经问过了，我的case是，
我09年开始工作，老婆学生，两个人年收入大概150K左右，
因此进了28%的tax bracket。刚刚用turbotax粗粗算了一下，
要补交4000的fed income.
请问向我们这种情况，是不是应该两个人都开traditional IRA
(我们已经有roth IRA),然后放满10K,然后roll over去现有的
roth?但是在roll-over的过程中要交税吧？
这样的话大概能省多少税？如果去掉1万的话应该在137K一下，所以
能降到25%的tax bracket.
谢谢。 | t***s
发帖数: 4666 | 2 you're day dreaming, unless you're expecting this year you earn less
money. on top of that, you probably don't qualify for trad ira
deduction. and if you already contributed to roth, you cannot
contribute to trad ira. they share the $5000 limit.
【在 j******e 的大作中提到】
: 估计很多人已经问过了，我的case是，
: 我09年开始工作，老婆学生，两个人年收入大概150K左右，
: 因此进了28%的tax bracket。刚刚用turbotax粗粗算了一下，
: 要补交4000的fed income.
: 请问向我们这种情况，是不是应该两个人都开traditional IRA
: (我们已经有roth IRA),然后放满10K,然后roll over去现有的
: roth?但是在roll-over的过程中要交税吧？
: 这样的话大概能省多少税？如果去掉1万的话应该在137K一下，所以
: 能降到25%的tax bracket.
: 谢谢。
| s*****n
发帖数: 2174 | 3 There is no point to struggle for lower tax bracket.
I suggest you first make sure you understand 分级累进税率.
【在 j******e 的大作中提到】
: 估计很多人已经问过了，我的case是，
: 我09年开始工作，老婆学生，两个人年收入大概150K左右，
: 因此进了28%的tax bracket。刚刚用turbotax粗粗算了一下，
: 要补交4000的fed income.
: 请问向我们这种情况，是不是应该两个人都开traditional IRA
: (我们已经有roth IRA),然后放满10K,然后roll over去现有的
: roth?但是在roll-over的过程中要交税吧？
: 这样的话大概能省多少税？如果去掉1万的话应该在137K一下，所以
: 能降到25%的tax bracket.
: 谢谢。
| j******e
发帖数: 64 | 4 我们今年没有contribution到Roth.
另外，今年不是出台了新政策，2010的traditional IRA没有income limit吗？
【在 t***s 的大作中提到】
: you're day dreaming, unless you're expecting this year you earn less
: money. on top of that, you probably don't qualify for trad ira
: deduction. and if you already contributed to roth, you cannot
: contribute to trad ira. they share the $5000 limit.
| j******e
发帖数: 64 | 5 我知道是多于137,000的那部分钱交28%的税，不是所有的都交,
right?
【在 s*****n 的大作中提到】
: There is no point to struggle for lower tax bracket.
: I suggest you first make sure you understand 分级累进税率.
| s*****n
发帖数: 2174 | 6 that is right.
then, why do you want to move from 33% bracket to 28% bracket?
【在 j******e 的大作中提到】
: 我知道是多于137,000的那部分钱交28%的税，不是所有的都交,
: right?
| s*****n
发帖数: 2174 | 7 Traditional IRA has never had an income limit, only Roth IRA has such an
income limit. They share the same annual $5000 contribution limit though.
However, if you participate in an employer-sponsored retirement saving
program, such as 401K, your contribution to traditional IRA is not tax
deductible.
【在 j******e 的大作中提到】
: 我们今年没有contribution到Roth.
: 另外，今年不是出台了新政策，2010的traditional IRA没有income limit吗？
| K****D
发帖数: 30533 | 8 I thought 137k was the edge between 25% and 28%, no? What's with
33%?
http://taxes.about.com/b/2008/10/21/2009-tax-brackets-announced.htm
【在 j******e 的大作中提到】
: 估计很多人已经问过了，我的case是，
: 我09年开始工作，老婆学生，两个人年收入大概150K左右，
: 因此进了28%的tax bracket。刚刚用turbotax粗粗算了一下，
: 要补交4000的fed income.
: 请问向我们这种情况，是不是应该两个人都开traditional IRA
: (我们已经有roth IRA),然后放满10K,然后roll over去现有的
: roth?但是在roll-over的过程中要交税吧？
: 这样的话大概能省多少税？如果去掉1万的话应该在137K一下，所以
: 能降到25%的tax bracket.
: 谢谢。
| j******e
发帖数: 64 | 9 比如多出来10K,本来那10K要交28%的税，如果放到IRA, roll-over了也
只需要交25%的税，而且以后的capital gain都是不需要交税的，
am I wrong?
【在 s*****n 的大作中提到】
: that is right.
: then, why do you want to move from 33% bracket to 28% bracket?
| j******e
发帖数: 64 | 10 ：However, if you participate in an employer-sponsored retirement saving
我有401k,我老婆没有。我在wiki上没有发现这个是non-deductible的啊？Instead,
I found:
If you are not covered by an employee-sponsored retirement plan but your
spouse is, the limits for 2007 (married filing jointly) are $156,000 and $
166,000 and between $159,000 and $169,000 in 2008 and 2009. | | | j******e
发帖数: 64 | 11 oh, yeah,写错了。33%是我们今年的braket.
You are right.
【在 K****D 的大作中提到】
: I thought 137k was the edge between 25% and 28%, no? What's with
: 33%?
: http://taxes.about.com/b/2008/10/21/2009-tax-brackets-announced.htm
| s*****n
发帖数: 2174 | 12 1. Traditional IRA to Roth IRA is called conversion, not roll-over.
2. When you convert traditional IRA to Roth IRA, the converted amount is
considered as your ordinary income in the year of conversion. So that part
will be subjected to whatever your marginal tax rate, 33% in your example.
【在 j******e 的大作中提到】
: 比如多出来10K,本来那10K要交28%的税，如果放到IRA, roll-over了也
: 只需要交25%的税，而且以后的capital gain都是不需要交税的，
: am I wrong?
| t***s
发帖数: 4666 | 13 but if he is able to deduct the trad ira and then roll over now.
the two events will be considered on 2 tax years. and if he earns
less money this year, he could save some tax.
【在 s*****n 的大作中提到】
: 1. Traditional IRA to Roth IRA is called conversion, not roll-over.
: 2. When you convert traditional IRA to Roth IRA, the converted amount is
: considered as your ordinary income in the year of conversion. So that part
: will be subjected to whatever your marginal tax rate, 33% in your example.
| K****D
发帖数: 30533 | 14 So sounds like your LD should do the 5k traditional IRA and you
shouldn't.
That will bring your income down to 145k or so, still in the
28% category. (But 28% and 25% isn't too different IMO though.)
You may also contribute to traditional IRA without any tax
benefit and then do a Roth conversion later. Might be worth
it if your job is not stable (family income fluctuates
year-to-year). Not sure about this point since I never researched
the Roth conversion thing -- no such need to research, too
p
【在 j******e 的大作中提到】
: ：However, if you participate in an employer-sponsored retirement saving
: 我有401k,我老婆没有。我在wiki上没有发现这个是non-deductible的啊？Instead,
: I found:
: If you are not covered by an employee-sponsored retirement plan but your
: spouse is, the limits for 2007 (married filing jointly) are $156,000 and $
: 166,000 and between $159,000 and $169,000 in 2008 and 2009.
| s*****n
发帖数: 2174 | 15 Of course, that is basically deferring the IRA contribution from last years
taxable income to this year's taxable income. But there is not (likely) tax
benefit unless LZ knows he is going to make less money this year than last
year.
For most people, without substantial financial change, this year's income
will be higher than last year's, especially for people like LZ who just
started work last year.
Although the right choice always depends on a lot of factors, for most
people here, the right thi
【在 t***s 的大作中提到】
: but if he is able to deduct the trad ira and then roll over now.
: the two events will be considered on 2 tax years. and if he earns
: less money this year, he could save some tax.
| j******e
发帖数: 64 | 16 事实上正好相反，明年我们的tax braket是33%, :(
那还有必要放traditional IRA吗？
【在 t***s 的大作中提到】
: but if he is able to deduct the trad ira and then roll over now.
: the two events will be considered on 2 tax years. and if he earns
: less money this year, he could save some tax.
| j******e
发帖数: 64 | 17 Very convincing! Thanks.
years
tax
【在 s*****n 的大作中提到】
: Of course, that is basically deferring the IRA contribution from last years
: taxable income to this year's taxable income. But there is not (likely) tax
: benefit unless LZ knows he is going to make less money this year than last
: year.
: For most people, without substantial financial change, this year's income
: will be higher than last year's, especially for people like LZ who just
: started work last year.
: Although the right choice always depends on a lot of factors, for most
: people here, the right thi
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