c**********e
发帖数: 71 | 1 如果已有大量pretax Ira: from 401k 或个人Ira, 新买traditional 5500 再backdoor
roth时大部分钱会被charge
额外tax。按比例交。
而且祘错了多买了Roth 将来可能惹麻烦
我才读到的。看来不可行。 |
f*******n
发帖数: 12623 | 2 每次讲backdoor Roth IRA都提到前提是事先没有钱在Traditional IRA。
什么“对大部人不可行”？大部分人用Traditional IRA吗？ |
b*******c
发帖数: 20683 | 3 搞错了，不想付税的话，Roth conversion可以“undo" (Recharacterization)，有啥
麻烦可惹的？
真心想走后门的，还可以先把pre-tax ira的钱转入现在的401K（假设plan接受）后再
走后门。
backdoor
【在 c**********e 的大作中提到】
: 如果已有大量pretax Ira: from 401k 或个人Ira, 新买traditional 5500 再backdoor
: roth时大部分钱会被charge
: 额外tax。按比例交。
: 而且祘错了多买了Roth 将来可能惹麻烦
: 我才读到的。看来不可行。
|
gw
发帖数: 2175 | 4 这个“已有大量pretax Ira: from 401k 或个人Ira”是过去的，还是当年存放的？
after tax traditional IRA是如何放的？与是否有401K和pre-tax traditional IRA有
关吗？ |
b**l
发帖数: 44 | 5 Are you sure?
That's not what I read from Pub590A.
【在 b*******c 的大作中提到】
: 搞错了，不想付税的话，Roth conversion可以“undo" (Recharacterization)，有啥
: 麻烦可惹的？
: 真心想走后门的，还可以先把pre-tax ira的钱转入现在的401K（假设plan接受）后再
: 走后门。
:
: backdoor
|
f*******n
发帖数: 12623 | 6 他说的都是对的（除了“有啥麻烦可惹的？”意见）。你有什么不同意的？
【在 b**l 的大作中提到】
: Are you sure?
: That's not what I read from Pub590A.
|
b**l
发帖数: 44 | 7 Really?
That's what recharacterization means?
And do you really think you can transfer funds between IRA and Roth IRA back
and forth in the same tax year?
【在 f*******n 的大作中提到】
: 他说的都是对的（除了“有啥麻烦可惹的？”意见）。你有什么不同意的？
|
f*******n
发帖数: 12623 | 8 Yes, "recharacterization" includes two types of things: 1) retroactively
changing the nature of a contribution between Traditional and Roth, and 2)
retroactively undoing a Roth IRA conversion. You can undo a Roth IRA
conversion but you are banned from "re-conversion" within a certain amount
of time.
back
【在 b**l 的大作中提到】
: Really?
: That's what recharacterization means?
: And do you really think you can transfer funds between IRA and Roth IRA back
: and forth in the same tax year?
|
b**l
发帖数: 44 | 9 The question is, can the OP do that after IRS questions the conversion from
IRA to Roth IRA? I think if it is in the same tax year, it is okay. If it is
in a different tax year already, you cannot do that.
And yes, there is no reconversion.
In fact, I think recharacterization should be avoided in this case. A
rollover to Roth IRA is what is needed for the back door. A recharacterized
contribution is no longer treated as an IRA contribution, instead, it is
treated as a Roth contribution and the income limit applies. An IRA
contribution does not have that, and the rollover preserves the original
contribution's tax treatment as an IRA contribution.
【在 f*******n 的大作中提到】
: Yes, "recharacterization" includes two types of things: 1) retroactively
: changing the nature of a contribution between Traditional and Roth, and 2)
: retroactively undoing a Roth IRA conversion. You can undo a Roth IRA
: conversion but you are banned from "re-conversion" within a certain amount
: of time.
:
: back
|
f*******n
发帖数: 12623 | 10 No. A backdoor Roth IRA contribution = A Traditional IRA contribution + a
conversion to Roth IRA. The recharacterization undoes the conversion, so you
are left with a Traditional IRA as if there was never a conversion. None of
this has anything to do with Roth IRA contribution.
Of course, keeping a non-deductible Traditional IRA contribution may not be
beneficial. But that's another issue.
recharacterized
【在 b**l 的大作中提到】
: The question is, can the OP do that after IRS questions the conversion from
: IRA to Roth IRA? I think if it is in the same tax year, it is okay. If it is
: in a different tax year already, you cannot do that.
: And yes, there is no reconversion.
: In fact, I think recharacterization should be avoided in this case. A
: rollover to Roth IRA is what is needed for the back door. A recharacterized
: contribution is no longer treated as an IRA contribution, instead, it is
: treated as a Roth contribution and the income limit applies. An IRA
: contribution does not have that, and the rollover preserves the original
: contribution's tax treatment as an IRA contribution.
|
c**********e
发帖数: 71 | 11 讲讲你觉得会有什么麻烦
【在 f*******n 的大作中提到】
: 他说的都是对的（除了“有啥麻烦可惹的？”意见）。你有什么不同意的？
|
