p*********u
发帖数: 108 | 1 向各位请教，如果开一个traditional IRA 帐户，放满5000美元，家庭收入在150K以上
，这5000元大概能抵多少税呢？
谢谢大家！ | f*****e
发帖数: 5177 | 2 you cannot contribute to traditional IRA since your income is over limit. If
you do, you need to pay penalty and there is no tax benefit.
【在 p*********u 的大作中提到】
: 向各位请教，如果开一个traditional IRA 帐户，放满5000美元，家庭收入在150K以上
: ，这5000元大概能抵多少税呢？
: 谢谢大家！
| p*********u
发帖数: 108 | | i*******o
发帖数: 297 | 4 This is not true. Anyone can contribute to a IRA.
For 2012, the maximum you can contribute to all of your traditional and Roth
IRAs is the smaller of:
•$5,000 ($6,000 if you’re age 50 or older), or
•your taxable compensation for the year.
You may not get tax deduction if your income is too high.
Here is IRS site for the deduction limit:
http://www.irs.gov/Retirement-Plans/IRA-Deduction-Limits
for the website above:
****************************************************************
2012 IRA Contribution and Deduction Limits - Effect of Modified AGI on
Deductible Contributions if You are NOT Covered by a Retirement Plan at Work
If you are not covered by a retirement plan at work, use this table to
determine if your modified AGI affects the amount of your deduction.
If Your Filing Status Is...
And Your Modified AGI Is... Then You Can Take...
single, head of household, or qualifying widow(er) any amount
a full deduction up to the amount of your contribution limit.
married filing jointly or separately with a spouse who is not covered by a
plan at work any amount
a full deduction up to the amount of your contribution limit.
married filing jointly with a spouse who is covered by a plan at work $173,
000 or less
a full deduction up to the amount of your contribution limit.
more than $173,000 but less than $183,000
a partial deduction.
$183,000 or more
no deduction.
married filing separately with a spouse who is covered by a plan at work
less than $10,000
a partial deduction.
$10,000 or more
no deduction.
If you file separately and did not live with your spouse at any time during
the year, your IRA deduction is determined under the "single" filing status.
************************************
2012 IRA Contribution and Deduction Limits - Effect of Modified AGI on
Deductible Contributions If You ARE Covered by a Retirement Plan at Work
If you are covered by a retirement plan at work, use this table to determine
if your modified AGI affects the amount of your deduction.
If Your Filing Status Is...
And Your Modified AGI Is... Then You Can Take...
single or
head of household $58,000 or less
a full deduction up to the amount of your contribution limit.
more than $58,000 but less than $68,000
a partial deduction.
$68,000 or more
no deduction.
married filing jointly or qualifying widow(er) $92,000 or less
a full deduction up to the amount of your contribution limit.
more than $92,000 but less than $112,000
a partial deduction.
$112,000 or more
no deduction.
married filing separately less than $10,000
a partial deduction .
$10,000 or more
no deduction.
If you file separately and did not live with your spouse at any time during
the year, your IRA deduction is determined under the "single" filing status.
If
【在 f*****e 的大作中提到】
: you cannot contribute to traditional IRA since your income is over limit. If
: you do, you need to pay penalty and there is no tax benefit.
| B*****g
发帖数: 34098 | 5 没有401k的可以买，就是直接减收入，大概30%，还有3天了
【在 p*********u 的大作中提到】
: 向各位请教，如果开一个traditional IRA 帐户，放满5000美元，家庭收入在150K以上
: ，这5000元大概能抵多少税呢？
: 谢谢大家！
|
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