o**i
发帖数: 13 | 1 Can I still contribute to non deductable ira then convert to roth ira after
2012/1/1 without the income limitation?
thanks a lot.
googled but found no definite answer. |
X****r
发帖数: 3557 | 2 Yes.
Of course, I'm not a tax attorney, blahblahblah
after
【在 o**i 的大作中提到】
: Can I still contribute to non deductable ira then convert to roth ira after
: 2012/1/1 without the income limitation?
: thanks a lot.
: googled but found no definite answer.
|
E******w
发帖数: 2616 | 3 问个细节问题。Roth每年的contribution limit是5000(假设满足条件).如果我先存non-deductible IRA，然后再转成Roth，是不是contribution就没有上限了？
after
【在 o**i 的大作中提到】
: Can I still contribute to non deductable ira then convert to roth ira after
: 2012/1/1 without the income limitation?
: thanks a lot.
: googled but found no definite answer.
|
X****r
发帖数: 3557 | 4 No.
The total annual IRA contribution limit is 5000, including
traditional and Roth. Whether and how much you can deduct
traditional IRA contribution from your income has nothing
to do with this 5000 limit.
non-deductible IRA，然后再转成Roth，是不是contribution就没有上限了？
【在 E******w 的大作中提到】
: 问个细节问题。Roth每年的contribution limit是5000(假设满足条件).如果我先存non-deductible IRA，然后再转成Roth，是不是contribution就没有上限了？
:
: after
|
M*******s
发帖数: 1210 | 5 Follow up question.
if one converts ira into roth, does it count as this year's contribution?
there is no new money coming to the system,and is it still part of the 5000?
【在 X****r 的大作中提到】
: No.
: The total annual IRA contribution limit is 5000, including
: traditional and Roth. Whether and how much you can deduct
: traditional IRA contribution from your income has nothing
: to do with this 5000 limit.
:
: non-deductible IRA，然后再转成Roth，是不是contribution就没有上限了？
|
E******w
发帖数: 2616 | 6 That means even if I do not deduct it from the gross income, I still can
just contribute $5000 maximum to IRA? That's only 150K over 30 years...
【在 X****r 的大作中提到】
: No.
: The total annual IRA contribution limit is 5000, including
: traditional and Roth. Whether and how much you can deduct
: traditional IRA contribution from your income has nothing
: to do with this 5000 limit.
:
: non-deductible IRA，然后再转成Roth，是不是contribution就没有上限了？
|
X****r
发帖数: 3557 | 7 (The limit is $6000 after you're 50.)
Yes. IRA along is unlikely to cover your retirement, unless you start
very early and/or you're lucky and/or you're a very good
investor/speculator.
【在 E******w 的大作中提到】
: That means even if I do not deduct it from the gross income, I still can
: just contribute $5000 maximum to IRA? That's only 150K over 30 years...
|
