p********y
发帖数: 5044 | 1 是roth IRA, 如果将来取钱出来读书(自己)要交10%的penalty吗? |
S**I
发帖数: 15689 | 2 if the distribution is 5 years after your contribution, no penalty.
【在 p********y 的大作中提到】
: 是roth IRA, 如果将来取钱出来读书(自己)要交10%的penalty吗?
|
f*******n
发帖数: 12623 | 3 roth IRA的本金什么时候拿出来都没有penalty |
l*u
发帖数: 2090 | 4 真的吗？
Figure 2-1 看来，需要一些条件
http://www.irs.gov/publications/p590/ch02.html#en_US_2011_publi
【在 f*******n 的大作中提到】
: roth IRA的本金什么时候拿出来都没有penalty
|
f*******n
发帖数: 12623 | 5 Figure 2-1说：The distribution from a Roth IRA is not a qualified
distribution. The portion of the distribution allocable to earnings may be
subject to tax and it may be subject to the 10% additional tax.
本金不是earnings，所以没有任何tax或penalty。如果你看下面Ordering Rules for
Distributions，先拿出来的是regular contributions；earnings是最后的。
如果你填form 8606，你的本金算basis。你的distribution减了basis之后如果是0就没
有tax或penalty。
【在 l*u 的大作中提到】
: 真的吗？
: Figure 2-1 看来，需要一些条件
: http://www.irs.gov/publications/p590/ch02.html#en_US_2011_publi
|
l*u
发帖数: 2090 | 6 谢谢
我继续研究研究
【在 f*******n 的大作中提到】
: Figure 2-1说：The distribution from a Roth IRA is not a qualified
: distribution. The portion of the distribution allocable to earnings may be
: subject to tax and it may be subject to the 10% additional tax.
: 本金不是earnings，所以没有任何tax或penalty。如果你看下面Ordering Rules for
: Distributions，先拿出来的是regular contributions；earnings是最后的。
: 如果你填form 8606，你的本金算basis。你的distribution减了basis之后如果是0就没
: 有tax或penalty。
|
p********y
发帖数: 5044 | 7 可是contribution每年都存, 存了后都买一样的, 怎么知道distribution是哪一年的呢
【在 S**I 的大作中提到】
: if the distribution is 5 years after your contribution, no penalty.
|
p********y
发帖数: 5044 | 8 就是说contribution是basis, 然后如果earning 大于100% 提前拿出来就有税和罚款 (
因为你说distribution-basis>0有税和罚款), 如果59.5岁才拿出来就没有税和罚款是
吗?
【在 f*******n 的大作中提到】
: Figure 2-1说：The distribution from a Roth IRA is not a qualified
: distribution. The portion of the distribution allocable to earnings may be
: subject to tax and it may be subject to the 10% additional tax.
: 本金不是earnings，所以没有任何tax或penalty。如果你看下面Ordering Rules for
: Distributions，先拿出来的是regular contributions；earnings是最后的。
: 如果你填form 8606，你的本金算basis。你的distribution减了basis之后如果是0就没
: 有tax或penalty。
|
l*u
发帖数: 2090 | 9 您说的 Earning 大于 100% 是什么情况？
谢谢
(
【在 p********y 的大作中提到】
: 就是说contribution是basis, 然后如果earning 大于100% 提前拿出来就有税和罚款 (
: 因为你说distribution-basis>0有税和罚款), 如果59.5岁才拿出来就没有税和罚款是
: 吗?
|
p********y
发帖数: 5044 | 10 我看了下那个figure下面的exception for 10% tax, 里面有说
The distributions are not more than your qualified higher education expenses.
我有2个问题,
1. 这个exception是说不用交税了, 那罚金是不是也不用交了呢?
2. 什么是higher education? 比如我现在有phd学位了, 将来如果再去读个MBA, 是不
是就不算higher education了呢? 然后就不属于这个exception了?
【在 f*******n 的大作中提到】
: roth IRA的本金什么时候拿出来都没有penalty
|
|
|
t**********r
发帖数: 2019 | 11 That 10% is the additional 'tax penalty'.
OK it is simple as this:
1. Generally. if you withdraw the earning part before 59.5 years old, you
pay income tax (just like you paid tax for interest earned from a saving
account) AND additional 10% tax penalty.
2. The exception is if you withdraw the earning part before 59.5 years old
to pay for education, then you pay income tax only but no penalty.
expenses.
【在 p********y 的大作中提到】
: 我看了下那个figure下面的exception for 10% tax, 里面有说
: The distributions are not more than your qualified higher education expenses.
: 我有2个问题,
: 1. 这个exception是说不用交税了, 那罚金是不是也不用交了呢?
: 2. 什么是higher education? 比如我现在有phd学位了, 将来如果再去读个MBA, 是不
: 是就不算higher education了呢? 然后就不属于这个exception了?
|
l*u
发帖数: 2090 | 12 Still, distribution of principal （本金） before 59.5 for any reason, is tax
fr
ee and with no penalty...correct ?
【在 t**********r 的大作中提到】
: That 10% is the additional 'tax penalty'.
: OK it is simple as this:
: 1. Generally. if you withdraw the earning part before 59.5 years old, you
: pay income tax (just like you paid tax for interest earned from a saving
: account) AND additional 10% tax penalty.
: 2. The exception is if you withdraw the earning part before 59.5 years old
: to pay for education, then you pay income tax only but no penalty.
:
: expenses.
|
O*O
发帖数: 2284 | 13 roth ira的账号
每年放进去的本金可以随时取出，没税没罚款
从traditional ira/401k conversion来的本金，转的当年付税，5年后取出没罚款
本金的盈利不够59.5岁钱取出交税和罚款
另外有一些例外，比如教育医疗费用支付等，可以看细则
tax
【在 l*u 的大作中提到】
: Still, distribution of principal （本金） before 59.5 for any reason, is tax
: fr
: ee and with no penalty...correct ?
|
p********y
发帖数: 5044 | 14 可是roth IRA为什么还要交 income tax on the earning part?
是59.5岁前取出才要交这部分tax呢, 还是不论什么时候取都得交?
【在 t**********r 的大作中提到】
: That 10% is the additional 'tax penalty'.
: OK it is simple as this:
: 1. Generally. if you withdraw the earning part before 59.5 years old, you
: pay income tax (just like you paid tax for interest earned from a saving
: account) AND additional 10% tax penalty.
: 2. The exception is if you withdraw the earning part before 59.5 years old
: to pay for education, then you pay income tax only but no penalty.
:
: expenses.
|
w**********0
发帖数: 214 | |
