r*********k 发帖数: 192 | 1 工资刚好超过ROTH IRA 的上限怎么办?有什么其他类似的复利计算的吗? | j***a 发帖数: 832 | 2 你 这 个 上 线 是 指 $107,000 or $122,000? - I assume you are single because
you are not familiar with these stuf. if you MAGI is between $107,000 and $
122,000, you can prorate.
这 个 LIMIT 是 MAGI. 1040 line 38 是 AGI, 一 般 情 况 MAGI = AGI + 401k
contribution. (MAGI 一 般 是 (base pay + BONUS/RSU - health care premium +
bank interest + capital gain)
如 果 还 是 不 行 , 开 个 non deductible tranditional IRA account, put your
5000 there (note, the contribution to this account is after-tax money,
because your income exceeds the upper limit (122000) and you cannot enjoy
the tax-deferral.) then you can convert part or all of the account to a Roth
account. you will be responsible for paying the tax if there is any capital
gain ( say it is 5010 when you convert to roth, you pay tax for the $10 in
your tax return)
【在 r*********k 的大作中提到】 : 工资刚好超过ROTH IRA 的上限怎么办?有什么其他类似的复利计算的吗?
| F********e 发帖数: 1942 | 3 i heardd thats sth called 'db' may help with this issue?
because
$
your
Roth
【在 j***a 的大作中提到】 : 你 这 个 上 线 是 指 $107,000 or $122,000? - I assume you are single because : you are not familiar with these stuf. if you MAGI is between $107,000 and $ : 122,000, you can prorate. : 这 个 LIMIT 是 MAGI. 1040 line 38 是 AGI, 一 般 情 况 MAGI = AGI + 401k : contribution. (MAGI 一 般 是 (base pay + BONUS/RSU - health care premium + : bank interest + capital gain) : 如 果 还 是 不 行 , 开 个 non deductible tranditional IRA account, put your : 5000 there (note, the contribution to this account is after-tax money, : because your income exceeds the upper limit (122000) and you cannot enjoy : the tax-deferral.) then you can convert part or all of the account to a Roth
| r*********k 发帖数: 192 | 4 工资刚好125K。
所以很是困惑。
non deductible tranditional IRA account 是复利计算吗? | r*********k 发帖数: 192 | | z****l 发帖数: 5282 | 6 需要曲线救国
【在 r*********k 的大作中提到】 : 是不是选ROTH401K 就可以了呢?
| r*********k 发帖数: 192 | | f*******e 发帖数: 853 | 8 放16500在401k,如果公司医保有high deductible Health Saving Account,也存满
6000,应该就能满足条件了吧。
【在 r*********k 的大作中提到】 : 工资刚好125K。 : 所以很是困惑。 : non deductible tranditional IRA account 是复利计算吗?
| j***a 发帖数: 832 | 9 AGAIN, 401k contribution needs to be added back to MAGI 。 so contributing
to 401k will not help. Not sure about HSA contribution, but since he is
single, the max contribution is 3000, so that is not going to help too much either ( his salary is 120K, usualy bonus & SPP gain will be at least 10%)
I think LZ needs to educate himself the basics on all types of retirement accounts and makes choice for himself. Perhaps he will realize ROth IRA is not a good choice at all in his situation.
【在 f*******e 的大作中提到】 : 放16500在401k,如果公司医保有high deductible Health Saving Account,也存满 : 6000,应该就能满足条件了吧。
| d*****1 发帖数: 1837 | 10 Are you sure? 401k is exactly can be used.
Modifications
To arrive at your modified AGI, start with your adjusted gross income and
then add back the following items:
Any deduction you claimed for a regular contribution to a traditional
IRA.
Any deduction you claim for student loan interest or qualified tuition
and related expenses.
Any income you excluded because of the foreign earned income exclusion.
Any exclusion or deduction you claimed for foreign housing.
Any interest income from series EE bonds that you were able to exclude
because you paid qualified higher education expenses.
Any employer-paid adoption expense you excluded.
Any amount claimed as domestic production activities deduction.
Note that you are not required to add back any contribution you made to an
employer plan such as a 401k plan. If you are running up against the limit
for modified AGI, one way to reduce that number is to make deductible
contributions to an employer plan.
contributing
much either ( his salary is 120K, usualy bonus & SPP gain will be at least
10%)
accounts and makes choice for himself. Perhaps he will realize ROth IRA is
not a good choice at all in his situation.
【在 j***a 的大作中提到】 : AGAIN, 401k contribution needs to be added back to MAGI 。 so contributing : to 401k will not help. Not sure about HSA contribution, but since he is : single, the max contribution is 3000, so that is not going to help too much either ( his salary is 120K, usualy bonus & SPP gain will be at least 10%) : I think LZ needs to educate himself the basics on all types of retirement accounts and makes choice for himself. Perhaps he will realize ROth IRA is not a good choice at all in his situation.
| b****s 发帖数: 876 | 11 traditional ira --> roth. | j***a 发帖数: 832 | 12 Yeah, you are right, I checked the worksheet in Pub590 (Modified AGI for
roth Ira). But it doesn't make sense to me: why they treat 401k and
traditional IRA differently here. the contribution to both Traditional IRA
and 401k has to be earned income...
【在 d*****1 的大作中提到】 : Are you sure? 401k is exactly can be used. : Modifications : To arrive at your modified AGI, start with your adjusted gross income and : then add back the following items: : Any deduction you claimed for a regular contribution to a traditional : IRA. : Any deduction you claim for student loan interest or qualified tuition : and related expenses. : Any income you excluded because of the foreign earned income exclusion. : Any exclusion or deduction you claimed for foreign housing.
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