i******m
发帖数: 818 | 1 【 以下文字转载自 Money 讨论区 】
发信人: ivydream (ivydream), 信区: Money
标 题: Roth IRA 本金问题
发信站: BBS 未名空间站 (Thu Feb 20 16:05:41 2014, 美东)
比如今年可以存进去5500，如果中间买股票基金啥的亏了又赚了，最后还是5500，那么
提取免税本金的时候这个5500可以都取出去么？还是这个5500减去赚的钱？
多谢啦！ |
i**********o
发帖数: 5993 | |
i******m
发帖数: 818 | 3 多谢啦！
roth ira 里面的利息和赚的钱是不能立刻取出来的么，否则补交税和罚金。所以就想
看这个是怎么算的。如果就是算5500，那好说。如果还要考虑到每次交易，那么赚的钱
不能被亏损的抵消，这样取本金的话就应该少于5500了。因为刚投了ira，所以想问问
清楚，那个5500还想啥时候急用可以随时取出去来不用交罚金。 |
f*******n
发帖数: 12623 | 4 你contribute过多少数量的钱就是你的basis。跟在IRA里面发生什么无关。IRA里面的
钱都是一样的，没有区别。只看你放进去多少钱和拿出来多少钱。 |
r****m
发帖数: 1204 | 5 这个讨论让我想起一个 Roth recharacterization strategy, 我给大家介绍一下:
Instead of contributing to Roth directly, contribute to a traditional IRA
first, then do a Roth conversion.
Let's say your tax rate is 30%, you convert $10K to Roth, so you owe the
Govt $3K.
If your Roth account didn't perform well, say lost half of its value.
Normally it's a very bad news because you can't use this loss to offset any
other gains, because it's a tax-deferred account.
However, you can do a recharacterization back out of the conversion, which
means you force the govt to buy back at the full $3K price.
Hope I didn't confuse people here. I know there are some smart investors use
this strategy. |
f*******n
发帖数: 12623 | 6 你这个要先deduct Traditional IRA contribution才有用。版上很少人有资格deduct
Traditional IRA contribution。
any
【在 r****m 的大作中提到】
: 这个讨论让我想起一个 Roth recharacterization strategy, 我给大家介绍一下:
: Instead of contributing to Roth directly, contribute to a traditional IRA
: first, then do a Roth conversion.
: Let's say your tax rate is 30%, you convert $10K to Roth, so you owe the
: Govt $3K.
: If your Roth account didn't perform well, say lost half of its value.
: Normally it's a very bad news because you can't use this loss to offset any
: other gains, because it's a tax-deferred account.
: However, you can do a recharacterization back out of the conversion, which
: means you force the govt to buy back at the full $3K price.
|
r****m
发帖数: 1204 | 7 这个版上确实可能够格的人不多, 下面是具体的IRS条件, 大家自己看着办吧:
For 2014 the phaseout range for deducting an IRA contribution when you are
covered by a retirement plan at work are as follows:
1. For single filers: $60,000 to $70,000
2. For head of household filers: $60,000 to $70,000
3. For married couples filing jointly and the spouse who makes the IRA
contribution is covered by a workplace retirement plan: $96,000 to $116,000
4. For married couples filing jointly and the spouse who makes the IRA
contribution is not covered by a workplace retirement plan and is married to
someone who is covered: $181,000 to $191,000.
5. For married couples filing separately: $0 to $10,000 |
i******m
发帖数: 818 | 8 这个recharacterization back out of the conversion具体怎么做呢？ |
r****m
发帖数: 1204 | 9 大部分老美都是由他们的 financial advisor 操作的, 但实际上很easy, 通知你的
brokerage house, such as Fidelity, 就行了. |
i******m
发帖数: 818 | 10 【 以下文字转载自 Money 讨论区 】
发信人: ivydream (ivydream), 信区: Money
标 题: Roth IRA 本金问题
发信站: BBS 未名空间站 (Thu Feb 20 16:05:41 2014, 美东)
比如今年可以存进去5500，如果中间买股票基金啥的亏了又赚了，最后还是5500，那么
提取免税本金的时候这个5500可以都取出去么？还是这个5500减去赚的钱？
多谢啦！ |
|
|
i**********o
发帖数: 5993 | |
i******m
发帖数: 818 | 12 多谢啦！
roth ira 里面的利息和赚的钱是不能立刻取出来的么，否则补交税和罚金。所以就想
看这个是怎么算的。如果就是算5500，那好说。如果还要考虑到每次交易，那么赚的钱
不能被亏损的抵消，这样取本金的话就应该少于5500了。因为刚投了ira，所以想问问
清楚，那个5500还想啥时候急用可以随时取出去来不用交罚金。 |
f*******n
发帖数: 12623 | 13 你contribute过多少数量的钱就是你的basis。跟在IRA里面发生什么无关。IRA里面的
钱都是一样的，没有区别。只看你放进去多少钱和拿出来多少钱。 |
r****m
发帖数: 1204 | 14 这个讨论让我想起一个 Roth recharacterization strategy, 我给大家介绍一下:
Instead of contributing to Roth directly, contribute to a traditional IRA
first, then do a Roth conversion.
Let's say your tax rate is 30%, you convert $10K to Roth, so you owe the
Govt $3K.
If your Roth account didn't perform well, say lost half of its value.
Normally it's a very bad news because you can't use this loss to offset any
other gains, because it's a tax-deferred account.
However, you can do a recharacterization back out of the conversion, which
means you force the govt to buy back at the full $3K price.
Hope I didn't confuse people here. I know there are some smart investors use
this strategy. |
f*******n
发帖数: 12623 | 15 你这个要先deduct Traditional IRA contribution才有用。版上很少人有资格deduct
Traditional IRA contribution。
any
【在 r****m 的大作中提到】
: 这个讨论让我想起一个 Roth recharacterization strategy, 我给大家介绍一下:
: Instead of contributing to Roth directly, contribute to a traditional IRA
: first, then do a Roth conversion.
: Let's say your tax rate is 30%, you convert $10K to Roth, so you owe the
: Govt $3K.
: If your Roth account didn't perform well, say lost half of its value.
: Normally it's a very bad news because you can't use this loss to offset any
: other gains, because it's a tax-deferred account.
: However, you can do a recharacterization back out of the conversion, which
: means you force the govt to buy back at the full $3K price.
|
r****m
发帖数: 1204 | 16 这个版上确实可能够格的人不多, 下面是具体的IRS条件, 大家自己看着办吧:
For 2014 the phaseout range for deducting an IRA contribution when you are
covered by a retirement plan at work are as follows:
1. For single filers: $60,000 to $70,000
2. For head of household filers: $60,000 to $70,000
3. For married couples filing jointly and the spouse who makes the IRA
contribution is covered by a workplace retirement plan: $96,000 to $116,000
4. For married couples filing jointly and the spouse who makes the IRA
contribution is not covered by a workplace retirement plan and is married to
someone who is covered: $181,000 to $191,000.
5. For married couples filing separately: $0 to $10,000 |
i******m
发帖数: 818 | 17 这个recharacterization back out of the conversion具体怎么做呢？ |
r****m
发帖数: 1204 | 18 大部分老美都是由他们的 financial advisor 操作的, 但实际上很easy, 通知你的
brokerage house, such as Fidelity, 就行了. |
t***j
发帖数: 2620 | |
f*******n
发帖数: 12623 | 20 nope
【在 t***j 的大作中提到】
: Roth IRA 本金取出来需要五年后把？
|
|
|
t***j
发帖数: 2620 | 21 你是说五年内假设需要用就可以取？那很不错啊，随便买点CD BOND放着，就当存CD了
，需要时可以拿马上本金出来花？谢谢fakeshawn。
【在 f*******n 的大作中提到】
: nope
|
f*******n
发帖数: 12623 | 22 yup
【在 t***j 的大作中提到】
: 你是说五年内假设需要用就可以取？那很不错啊，随便买点CD BOND放着，就当存CD了
: ，需要时可以拿马上本金出来花？谢谢fakeshawn。
|
t***j
发帖数: 2620 | 23 假设现在开两个账号，一个是traditional, 一个是roth，算2013年的呢还是算2014年
？好像converion后要填什么报税的表吗？
appreciate!
【在 f*******n 的大作中提到】
: yup
|
f*******n
发帖数: 12623 | 24
现在contribute的钱可以算2013年的或2014年的。
如果你做non-deductible Traditional IRA contribution，报contribution算的那年
的税的时候要填8606。
你做conversion的那年（这是日历年），也要填8606。
【在 t***j 的大作中提到】
: 假设现在开两个账号，一个是traditional, 一个是roth，算2013年的呢还是算2014年
: ？好像converion后要填什么报税的表吗？
: appreciate!
|
