m***h
发帖数: 16 | 1 After-tax 401k也是可以转化为Roth IRA的，今年个人401k和公司401k加起来的
contribution limit是五万三，pre-tax投满还想投额外的人可以考虑。 |
A******n
发帖数: 49 | |
m***h
发帖数: 16 | 3 可以。
【在 A******n 的大作中提到】
: 能只转税后的那部分吗？
|
A******n
发帖数: 49 | 4 怎么操作 好像IRS要求IN SERVICE WITHDRAW按根据税前 税后的数额比例分配
谢谢 |
f*******n
发帖数: 12623 | 5 对，要一起按比例withdraw，但是withdraw了那些钱可以分税前那部分到Traditional
IRA、税后那部分到Roth IRA。
【在 A******n 的大作中提到】
: 怎么操作 好像IRS要求IN SERVICE WITHDRAW按根据税前 税后的数额比例分配
: 谢谢
|
q**x
发帖数: 1636 | 6 do you need to check your income limit to take advantage of this after-tax
401k?
【在 m***h 的大作中提到】
: After-tax 401k也是可以转化为Roth IRA的，今年个人401k和公司401k加起来的
: contribution limit是五万三，pre-tax投满还想投额外的人可以考虑。
|
r****m
发帖数: 1204 | 7 No income limit, the only thing you need to check is if your company's
retirement plan allows such after-tax contribution and in-plan conversion to
Roth IRA. |
h******n
发帖数: 106 | 8 知道有哪家公司可以放 after-tax 401K 吗？
【在 m***h 的大作中提到】
: After-tax 401k也是可以转化为Roth IRA的，今年个人401k和公司401k加起来的
: contribution limit是五万三，pre-tax投满还想投额外的人可以考虑。
|
S**C
发帖数: 2964 | 9 If your cannot do a in-service rollover, be prepared to have the rug pulled
out from under via new legislation or IRA ruling. I guess I am a bit cynical.
to
【在 r****m 的大作中提到】
: No income limit, the only thing you need to check is if your company's
: retirement plan allows such after-tax contribution and in-plan conversion to
: Roth IRA.
|
n******n
发帖数: 12088 | 10 可以只转after tax
Traditional
【在 f*******n 的大作中提到】
: 对，要一起按比例withdraw，但是withdraw了那些钱可以分税前那部分到Traditional
: IRA、税后那部分到Roth IRA。
|
|
|
g**W
发帖数: 606 | 11 pretax投满了还能投额外的？
【在 m***h 的大作中提到】
: After-tax 401k也是可以转化为Roth IRA的，今年个人401k和公司401k加起来的
: contribution limit是五万三，pre-tax投满还想投额外的人可以考虑。
|
r****m
发帖数: 1204 | 12 Yes, that's the point.
Annual contribution limit is $53000 per current IRS policy, but most people
only know about the pre-tax contribution limit of $18,000. |
a****t
发帖数: 7049 | 13 There is a drawback, however. The gains on the after-tax portion of a 401k
are taxed at ordinary income tax rates at distribution time, whereas if you
invested them in a taxable account you potentially pay only capital gain tax
rates (lower). So unless you are bond heavy or you are eligible for a
conversion to Roth IRA fairly soon (e.g. switching jobs, retiring), then it
isn't really worth it. |
h****n
发帖数: 2094 | 14 问题是18500以外的部分个人不能控制，一般单位给不了那么多。这个53000的limit基
本上是给个人开公司设的。
people
【在 r****m 的大作中提到】
: Yes, that's the point.
: Annual contribution limit is $53000 per current IRS policy, but most people
: only know about the pre-tax contribution limit of $18,000.
|
f*******n
发帖数: 12623 | 15 不是啊。个人可以投那么多，如果401k允许投after-tax的话。
【在 h****n 的大作中提到】
: 问题是18500以外的部分个人不能控制，一般单位给不了那么多。这个53000的limit基
: 本上是给个人开公司设的。
:
: people
|
t***h
发帖数: 46 | 16 你确定吗？有IRS的说明吗？我们公司两个都可以放，但是加在一起只能18000
【在 f*******n 的大作中提到】
: 不是啊。个人可以投那么多，如果401k允许投after-tax的话。
|
t****m
发帖数: 35 | 17 pre-tax + roth = 18000
pre-tax + roth + company match + after-tax = 53000
【在 t***h 的大作中提到】
: 你确定吗？有IRS的说明吗？我们公司两个都可以放，但是加在一起只能18000
|
m***h
发帖数: 16 | 18 If your company's plan supports it, you can convert after-tax 401k to Roth
IRA, then your gains are tax free.
you
tax
it
【在 a****t 的大作中提到】
: There is a drawback, however. The gains on the after-tax portion of a 401k
: are taxed at ordinary income tax rates at distribution time, whereas if you
: invested them in a taxable account you potentially pay only capital gain tax
: rates (lower). So unless you are bond heavy or you are eligible for a
: conversion to Roth IRA fairly soon (e.g. switching jobs, retiring), then it
: isn't really worth it.
|
s**********d
发帖数: 36899 | 19 你说的是pretax和roth吧，after tax是另一种
【在 t***h 的大作中提到】
: 你确定吗？有IRS的说明吗？我们公司两个都可以放，但是加在一起只能18000
|
t***h
发帖数: 46 | 20 Roth 401k不就是税后钱往里放？
【在 s**********d 的大作中提到】
: 你说的是pretax和roth吧，after tax是另一种
|
|
|
t***h
发帖数: 46 | 21 做了research，现在明白了。放满18000后还可以再放税后的钱直到53000，但是不是所
有的plan都支持
【在 s**********d 的大作中提到】
: 你说的是pretax和roth吧，after tax是另一种
|
m****s
发帖数: 494 | 22 怎么觉得不如non deductible IRA啊
【在 t***h 的大作中提到】
: 做了research，现在明白了。放满18000后还可以再放税后的钱直到53000，但是不是所
: 有的plan都支持
|
r****m
发帖数: 1204 | 23 Non-deductible IRA的earnings要交税， 上面说的办法转了Roth IRA后再没税的问题
了！ |
S**C
发帖数: 2964 | 24 I won't do that unless my plan allows in-service rollover. I fear the
Congress will change the law. |
r****m
发帖数: 1204 | 25 That concern is valid but unnecessary because usually any action before the
law change will be grandfathered ... |
S**C
发帖数: 2964 | 26 It is not even a law, but IRS interpretation.
[在 redsim (Red) 的大作中提到：]
：That concern is valid but unnecessary because usually any action before
the law change will be grandfathered ...
：
：........... |
r****m
发帖数: 1204 | 27 Thanks for pointing out the difference.
Can anyone think of any precedence that Congress changed the law, and IRS
changed its interpretation and crawled back to past violations of the new
law?
I think the answer is no, because that will be a huge mess either in theory
or in practice, which is the reason I think everyone shouldn't worry about
such risk and grab the opportunity while you can! |
S**C
发帖数: 2964 | 28 No need to clawback. I will still be screwed if I sit on a large after-tax
401k balance, before retirement, and lose the option to rollover my
contribution portion to ROTH, earning portion to traditional IRA.
I will be better off to just invest in taxable account using tax efficient
assets.
[在 redsim (Red) 的大作中提到：]
：Thanks for pointing out the difference.
：
：........... |
R******4
发帖数: 96 | 29 都是after-tax的钱到账后瞬间roll over到roth ira的，钱在里面也就放几天，法律哪
有改得这么快
改roth ira的rule是另外一回事
反正我每年都放到上限 |
n****i
发帖数: 214 | 30 这个五万三是什么定义？我怎么看网上都说401K个人contribution limit就是1万8呀？
公司当然可以再match，但那是自动的，个人贡献到1万8也就到头了，再加上公司的（
比如6千），没有别的办法再投入更多了吧？
【在 m***h 的大作中提到】
: After-tax 401k也是可以转化为Roth IRA的，今年个人401k和公司401k加起来的
: contribution limit是五万三，pre-tax投满还想投额外的人可以考虑。
|
|
|
S**C
发帖数: 2964 | 31 The 401(k) plan has to allow in-service rollover, mine doesn't. Most plans
don't. If your plan allows, consider yourself lucky.
【在 R******4 的大作中提到】
: 都是after-tax的钱到账后瞬间roll over到roth ira的，钱在里面也就放几天，法律哪
: 有改得这么快
: 改roth ira的rule是另外一回事
: 反正我每年都放到上限
|
S**C
发帖数: 2964 | 32 There is pre-tax 401(k), there is ROTH 401(k), and there is after-tax 401(k)
. $18,500 is for combined pre-tax 401(k) and ROTH 401(k) amount contributed
by employee, $53,000 is for all these three (if your plan allows after-tax
401(k) contribution), plus employer match etc, that is, all-in annual limit.
【在 n****i 的大作中提到】
: 这个五万三是什么定义？我怎么看网上都说401K个人contribution limit就是1万8呀？
: 公司当然可以再match，但那是自动的，个人贡献到1万8也就到头了，再加上公司的（
: 比如6千），没有别的办法再投入更多了吧？
|
u****e
发帖数: 99 | 33 Regarding this specific topic, the chance of IRS "clawback" is very low.
This practice, although not widely applicable to all 401k plans, has been
under discussion for several years among keen investors and IRS experts.
General consensus is, if 401k plan is properly set up with "sub accounts"
that track the basis for different sub accounts, and the plan allows in
service withdraw, then it is completely legit to roll it over to Roth IRA.
The question is more on the rollover paths; whether one can directly roll it
over to Roth IRA, or need to first separate basis Nd gain, put basis in
Roth and gain in traditional then convert, or everything into traditional
and then convert together. Some argue one can do it in one step; some say it
needs to be two steps.
Some accounting firms requested IRS to clarify the issue but got no response.
Eventually in 2014 IRS issued a document that cleared things up. The
document itself is full of big words, but essentially it says direct
rollover is fine. At least that is what I get from reading discussions.
With these sequence of events, I think chance of IRS issuing an unfavorable
ruling on this one is low.
theory
【在 r****m 的大作中提到】
: Thanks for pointing out the difference.
: Can anyone think of any precedence that Congress changed the law, and IRS
: changed its interpretation and crawled back to past violations of the new
: law?
: I think the answer is no, because that will be a huge mess either in theory
: or in practice, which is the reason I think everyone shouldn't worry about
: such risk and grab the opportunity while you can!
|
u****e
发帖数: 99 | 34 IRS 14-54
http://www.irs.gov/pub/irs-drop/n-14-54.pdf
it
it
【在 u****e 的大作中提到】
: Regarding this specific topic, the chance of IRS "clawback" is very low.
: This practice, although not widely applicable to all 401k plans, has been
: under discussion for several years among keen investors and IRS experts.
: General consensus is, if 401k plan is properly set up with "sub accounts"
: that track the basis for different sub accounts, and the plan allows in
: service withdraw, then it is completely legit to roll it over to Roth IRA.
: The question is more on the rollover paths; whether one can directly roll it
: over to Roth IRA, or need to first separate basis Nd gain, put basis in
: Roth and gain in traditional then convert, or everything into traditional
: and then convert together. Some argue one can do it in one step; some say it
|
S**C
发帖数: 2964 | 35 I don't worry about "clawback" as I do consider such chance is indeed low.
What I worry about is since my plan do not allow in-service rollover, and if
I contribute to after-tax 401(k) now and build up, after, say, 10 years,
the Congress say, no you cannot rollover the after-tax 401(k) contribution
to ROTH. They won't clawback the previous rollover, sure, but you won't be
able to rollover going forward. Now I am stuck. The only way out is to quit
my job so I can do the rollover (since in-service rollover is not allowed
for my plan), no I am not going to do that.
it
it
【在 u****e 的大作中提到】
: Regarding this specific topic, the chance of IRS "clawback" is very low.
: This practice, although not widely applicable to all 401k plans, has been
: under discussion for several years among keen investors and IRS experts.
: General consensus is, if 401k plan is properly set up with "sub accounts"
: that track the basis for different sub accounts, and the plan allows in
: service withdraw, then it is completely legit to roll it over to Roth IRA.
: The question is more on the rollover paths; whether one can directly roll it
: over to Roth IRA, or need to first separate basis Nd gain, put basis in
: Roth and gain in traditional then convert, or everything into traditional
: and then convert together. Some argue one can do it in one step; some say it
|
