k*k
发帖数: 139 | 1 在把pretax的Traditional IRA rollover到４０１k后，是不是要等一年才能投
aftertax traditional IRA并convert成Roth？否则在form ８６０６里计算basis的时
候，在该年rollover到４０１k的 pretax Traditional IRA仍然会被计算在内？
比如说，２０１４年３月把把pretax的Traditional IRA rollover到４０１k，在４／
１５前仍然不能投２０１３年度的aftertax traditional IRA，而只能投２０１４年度
的。不知道我的理解对不对？ |
f*******n
发帖数: 12623 | 2
不是。
basis跟pretax Traditional IRA没有关系。
不对。
【在 k*k 的大作中提到】
: 在把pretax的Traditional IRA rollover到４０１k后，是不是要等一年才能投
: aftertax traditional IRA并convert成Roth？否则在form ８６０６里计算basis的时
: 候，在该年rollover到４０１k的 pretax Traditional IRA仍然会被计算在内？
: 比如说，２０１４年３月把把pretax的Traditional IRA rollover到４０１k，在４／
: １５前仍然不能投２０１３年度的aftertax traditional IRA，而只能投２０１４年度
: 的。不知道我的理解对不对？
|
k*k
发帖数: 139 | 3 谢谢
那投了traditional IRA后可以马上就convert to Roth吗？还是要隔一段时间？ |
f*******n
发帖数: 12623 | 4 可以马上就convert
【在 k*k 的大作中提到】
: 谢谢
: 那投了traditional IRA后可以马上就convert to Roth吗？还是要隔一段时间？
|
t***j
发帖数: 2620 | 5 Thanks. Is Fidelity IRA account good to do the convertion?
【在 f*******n 的大作中提到】
: 可以马上就convert
|
r****m
发帖数: 1204 | 6 Yes. You can call Fidelity directly when you have any question. |
t***s
发帖数: 4666 | 7 very convenient, just a click on the link. but you need to wait a day
or two for the fund to clear before you can convert.
【在 t***j 的大作中提到】
: Thanks. Is Fidelity IRA account good to do the convertion?
|
D****y
发帖数: 462 | 8 After the conversion, the Traditional IRA account will have zero balance. W
ill this be an issue? I am afraid the brokerage will charge some kind of ac
count service fee because of low balance?
One other question: If everyone can do backdoor Roth IRA, then why the IRS
sets an income limit for Roth IRA?
【在 t***s 的大作中提到】
: very convenient, just a click on the link. but you need to wait a day
: or two for the fund to clear before you can convert.
|
f*******n
发帖数: 12623 | 9
IRS didn't set it. Congress did. Laws don't have to make sense.
Also, it's not completely the same, because if you had deductible
Traditional IRAs, then you can't do backdoor Roth IRA (without converting
all your Traditional IRAs anyway).
【在 D****y 的大作中提到】
: After the conversion, the Traditional IRA account will have zero balance. W
: ill this be an issue? I am afraid the brokerage will charge some kind of ac
: count service fee because of low balance?
: One other question: If everyone can do backdoor Roth IRA, then why the IRS
: sets an income limit for Roth IRA?
|
D****y
发帖数: 462 | 10 Thanks. I heard about the pro-rata rule for backdoor Roth. So, If I open a
traditional IRA account only for backdoor conversion every year, then most
of time the traditional IRA account will be empty. Is this a problem?
【在 f*******n 的大作中提到】
:
: IRS didn't set it. Congress did. Laws don't have to make sense.
: Also, it's not completely the same, because if you had deductible
: Traditional IRAs, then you can't do backdoor Roth IRA (without converting
: all your Traditional IRAs anyway).
|
t***j
发帖数: 2620 | 11 这个问题你得问你的开户的brokerage有没fee.
【在 D****y 的大作中提到】
: Thanks. I heard about the pro-rata rule for backdoor Roth. So, If I open a
: traditional IRA account only for backdoor conversion every year, then most
: of time the traditional IRA account will be empty. Is this a problem?
|
t***s
发帖数: 4666 | 12
W
ac
no. and it asks you whether you want to keep it open for later use.
【在 D****y 的大作中提到】
: After the conversion, the Traditional IRA account will have zero balance. W
: ill this be an issue? I am afraid the brokerage will charge some kind of ac
: count service fee because of low balance?
: One other question: If everyone can do backdoor Roth IRA, then why the IRS
: sets an income limit for Roth IRA?
|
a****a
发帖数: 208 | 13 There is some controversy about this.
【在 f*******n 的大作中提到】
: 可以马上就convert
|
