t********y 发帖数: 360 | 1 去年工作status转换,从employee变成contractor,虽然还是同个公司拿钱,但是现在算是self-employed. 原来公司的401K在Fidelity,我全转到Rollover IRA去了。现在想再开个SEP IRA省点税,我给Fidelity发email问了下,可以存到现有的Rollover IRA,或者需要另开,但是以后可以合并吗?Fidelity回信说必须另开一个SEP IRA,Rollover IRA的钱以后可以合并到SEP IRA去,但是还说:
You are certainly able to move your Rollover IRA money into a SEP IRA. I want to make you aware of one consideration though before you do that. You mentioned that the Rollover IRA money was from a previous employer 401(k) plan. If you mix company retirement plan money with other IRA money, if you got a new qualified employer sponsored plan and wanted to move the money back into a new plan they may not accept it if it has been mixed with other money.
大意是说如果Rollover IRA的钱合并以后,以后就不能再转回其他的employer sponsored plan。
我觉得这个没有什么关系吧,以后我要是找新工作,公司的401K,IRA什么的另开新账号就好了吧。
大家帮我看看?多谢了! | b******l 发帖数: 299 | 2 Yes, fidelity is right.
在算是self-employed. 原来公司的401K在Fidelity,我全转到Rollover IRA去了。现
在想再开个SEP IRA省点税,我给Fidelity发email问了下,可以存到现有的Rollover
IRA,或者需要另开,但是以后可以合并吗?Fidelity回信说必须另开一个SEP IRA,
Rollover IRA的钱以后可以合并到SEP IRA去,但是还说:
want to make you aware of one consideration though before you do that. You
mentioned that the Rollover IRA money was from a previous employer 401(k)
plan. If you mix company retirement plan money with other IRA money, if you
got a new qualified employer sponsored plan and wanted to move the money
back into a new plan they may not accept it if it has been mixed with other
money.
sponsored plan。
号就好了吧。
【在 t********y 的大作中提到】 : 去年工作status转换,从employee变成contractor,虽然还是同个公司拿钱,但是现在算是self-employed. 原来公司的401K在Fidelity,我全转到Rollover IRA去了。现在想再开个SEP IRA省点税,我给Fidelity发email问了下,可以存到现有的Rollover IRA,或者需要另开,但是以后可以合并吗?Fidelity回信说必须另开一个SEP IRA,Rollover IRA的钱以后可以合并到SEP IRA去,但是还说: : You are certainly able to move your Rollover IRA money into a SEP IRA. I want to make you aware of one consideration though before you do that. You mentioned that the Rollover IRA money was from a previous employer 401(k) plan. If you mix company retirement plan money with other IRA money, if you got a new qualified employer sponsored plan and wanted to move the money back into a new plan they may not accept it if it has been mixed with other money. : 大意是说如果Rollover IRA的钱合并以后,以后就不能再转回其他的employer sponsored plan。 : 我觉得这个没有什么关系吧,以后我要是找新工作,公司的401K,IRA什么的另开新账号就好了吧。 : 大家帮我看看?多谢了!
| t********y 发帖数: 360 | 3 谢谢回复。
我觉得不能转到新的employer plan也没有什么关系吧。对吗? | b******l 发帖数: 299 | 4 对
【在 t********y 的大作中提到】 : 谢谢回复。 : 我觉得不能转到新的employer plan也没有什么关系吧。对吗?
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