y******r
发帖数: 2986 | 1 【 以下文字转载自 TAX 讨论区 】
发信人: yalinger (已经告别孤独), 信区: TAX
标 题: 请教用Traditional IRA延迟报税的问题
发信站: BBS 未名空间站 (Fri Dec 23 09:04:45 2016, 美东)
我自己报税，也没有请人帮忙，所以很多时候看IRS的文件不是很清楚，希望得到大家
的意见，谢谢！
我家主要是我工作，有公司的401(k),我老婆今年做了实习，但是公司没有提供401(k),
导致我家的AGI有些高，影响我们小孩child credit了。我想给我老婆存traditional
IRA $5500来降低2016年的AGI，等到2017年我家收入少的时候再把Traditional IRA的
钱转入Roth IRA，把$5500当成2017年的收入（假如这段时间没有投资，全是现金）。
不知道这样有什么问题么？现在我老婆已经有Roth IRA的帐户，已经存了2年的钱。我
看Fidelity还是容许开户Traditional IRA，就是不知道IRS是否会混淆2个账户。如果
我2017年从Traditional IRA转到Roth IRA，是否就不能再从现金帐户contribute $
5500的Roth IRA了？
再问一个细节问题，Fidelity给我5498表格，第一项就是Traditional IRA的数据，我
填入1040表格的32栏就可以了？第15栏是否应该填写什么？谢谢！ | r****m
发帖数: 1204 | 2 You have a sound plan (assume your wife won't have another intern next year).
Don't worry about IRS, they won't be confused by your different plans.
Conversion to IRA doesn't impact your (or your wife's) Roth IRA contribution
(assume you meet the Roth IRA requirements, for example, if your wife doesn
't have earned income in 2017, then she can't contribute to Roth IRA).
Not sure about the form 5498 questions, if you use TurboTax, you will be
guided thru it, if I were you, I won't worry about it. | y******r
发帖数: 2986 | 3 谢谢你的回复！我老婆2017年的工作应该有401k,最后的工资应该比实习少，所以我可
以把今年$5500的收入挪到明年。
原来没有工作就不能contribute Roth IRA呀？前年我老婆存Roth IRA的时候，
fidelity没有说呀，还是他们默认为是spouse IRA了？不过未来我老婆都会工作，也不
会有这个问题了，谢谢你！
btw,2个包子略表心意，谢谢！
year).
contribution
doesn
【在 r****m 的大作中提到】
: You have a sound plan (assume your wife won't have another intern next year).
: Don't worry about IRS, they won't be confused by your different plans.
: Conversion to IRA doesn't impact your (or your wife's) Roth IRA contribution
: (assume you meet the Roth IRA requirements, for example, if your wife doesn
: 't have earned income in 2017, then she can't contribute to Roth IRA).
: Not sure about the form 5498 questions, if you use TurboTax, you will be
: guided thru it, if I were you, I won't worry about it.
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