c*****g
发帖数: 228 | 1 2010年辞职了，家里就一份收入，我的401k当时没有动（悔呀）。
2011年目前没有工作的打算，应该总收入也不多，想趁着这个时候把401k里面的钱
rollover到Roth IRA，至少比将来convert划算，但是好像要作为2011的收入，
2012年初补交税。
请问现在convert是否是个好的plan？
另外2010的W4没有调整好，算了一下，今年会退税7000，要是去年做了roth
conversion就好了。现在还能做任何事情（减少这部分退税）吗？
谢谢~~ |
S**C
发帖数: 2964 | 2 Yes, but do be careful to keep your household marginal tax rate below 15% or
you defeat your purpose.
Keep in mind the creditor protection of ROTH converted rollover IRA is
different (read: lesser) than 401k and Rollover IRA.
【在 c*****g 的大作中提到】
: 2010年辞职了，家里就一份收入，我的401k当时没有动（悔呀）。
: 2011年目前没有工作的打算，应该总收入也不多，想趁着这个时候把401k里面的钱
: rollover到Roth IRA，至少比将来convert划算，但是好像要作为2011的收入，
: 2012年初补交税。
: 请问现在convert是否是个好的plan？
: 另外2010的W4没有调整好，算了一下，今年会退税7000，要是去年做了roth
: conversion就好了。现在还能做任何事情（减少这部分退税）吗？
: 谢谢~~
|
c*****g
发帖数: 228 | 3 谢谢回复。。。可是，如果没法keep在15%以下，就没什么意义了吗？
我们一个人和两个人工作，大概是25%和28%的区别。
15% or
【在 S**C 的大作中提到】
: Yes, but do be careful to keep your household marginal tax rate below 15% or
: you defeat your purpose.
: Keep in mind the creditor protection of ROTH converted rollover IRA is
: different (read: lesser) than 401k and Rollover IRA.
|
K****D
发帖数: 30533 | 4 still saves 3%.
【在 c*****g 的大作中提到】
: 谢谢回复。。。可是，如果没法keep在15%以下，就没什么意义了吗？
: 我们一个人和两个人工作，大概是25%和28%的区别。
:
: 15% or
|
g*****g
发帖数: 34805 | 5 你不知道自己退休的tax bracket，大部分人都比现在低。
不如roll over到traditional IRA
【在 c*****g 的大作中提到】
: 谢谢回复。。。可是，如果没法keep在15%以下，就没什么意义了吗？
: 我们一个人和两个人工作，大概是25%和28%的区别。
:
: 15% or
|
J*****i
发帖数: 2622 | 6 but lost compounding earnings on tax (prepaid).
【在 K****D 的大作中提到】
: still saves 3%.
|
K****D
发帖数: 30533 | 7 I guess LZ is planning to convert anyway. So either convert this year
at the rate of 25% or convert a few years later at the rate of 28%.
Very obvious choice in this case.
【在 J*****i 的大作中提到】
: but lost compounding earnings on tax (prepaid).
|
c*****g
发帖数: 228 | 8 谢谢，能展开来说说吗？我其实也不是很sure到底要不要convert，主要以前考虑到退
休后的税率可能
比现在高，但是今天看了看目前的税率表，觉得应该区别不大呢。。。
【在 J*****i 的大作中提到】
: but lost compounding earnings on tax (prepaid).
|
g*****g
发帖数: 34805 | 9 Most of us don't have earned income in retirement, I don't
understand why many think they'll have higher tax rate.
【在 c*****g 的大作中提到】
: 谢谢，能展开来说说吗？我其实也不是很sure到底要不要convert，主要以前考虑到退
: 休后的税率可能
: 比现在高，但是今天看了看目前的税率表，觉得应该区别不大呢。。。
|
J*****i
发帖数: 2622 | 10 在公司讨论这个问题1，2年了。所里还特意买了相关的计算软件。得出的结论是Roth
conversion only makes sense if:
1. you will use money outside of the tax deferral acct. to pay conversion
related taxes.
And
2.1 you are not planning on taking the money out during the rest of your
life (estate planning).
or
2.2 your current year otherwise taxable income is negative or very low, that
you can do the conversion at very low costs.
In your case, the difference is only 3%. you don't know what bracket you
will end up being when you retire, and you will have to pay taxes that you
otherwise would not required to pay for years and loss the potental earnings
you would otherwise earn on it over the years to come.
Baozi please.
【在 c*****g 的大作中提到】
: 谢谢，能展开来说说吗？我其实也不是很sure到底要不要convert，主要以前考虑到退
: 休后的税率可能
: 比现在高，但是今天看了看目前的税率表，觉得应该区别不大呢。。。
|
t***s
发帖数: 4666 | 11 401k and ira and ss are treated as regular income. in the end, two things
make me select roth,although our marginal rate is very high, since we are
paying amt.
1. certainty. you pay a certain amount of tax and don't need to worry about
future tax rate.
2. you save more in effect with roth.
【在 g*****g 的大作中提到】
: Most of us don't have earned income in retirement, I don't
: understand why many think they'll have higher tax rate.
|
S**C
发帖数: 2964 | 12 US has to cut entitlement programs AND raise tax to be solvent in the future
, the politicians either choose to be adults or the bond vigilantes will
force their hands eventually.
Also ROTH IRAs do not subject to RMD, which can knock you into higher tax
bracket if you have a nice nest egg, and there always be a possibility that
you NEED to withdraw a large amount for certain unexpected reasons in a
given year.
【在 g*****g 的大作中提到】
: Most of us don't have earned income in retirement, I don't
: understand why many think they'll have higher tax rate.
|
