G****y 发帖数: 3537 | 1 【 以下文字转载自 TAX 讨论区 】
发信人: Gentry (而今迈步从头越), 信区: TAX
标 题: 现在还来得及放IRA吗?哪里可以?
发信站: BBS 未名空间站 (Mon Apr 11 13:13:13 2016, 美东)
刚用软件填完2015税表,发现因为没有放太多的401K,导致AGI过高,然后CHILD
CREDIT也没有拿全。
如果想拿全CHILD CREDIT,需要马上放6000刀到退休账户。但我只有公司的401K账户,
没有自己现成的IRA账户,能在4/15之前马上开一个并投入吗?哪里开比较好?
谢谢。 |
b***g 发帖数: 516 | 2 新开可能来不及,还要deposit两笔小的钱验证账户啥的吧?
哦,不过今年到18号,还有一周 |
b***g 发帖数: 516 | 3 你看看local有没有fidelity?现场存可能快点 |
L**Y 发帖数: 2145 | 4 有capitalone 的话开一个转账就可。当天到账
【在 G****y 的大作中提到】 : 【 以下文字转载自 TAX 讨论区 】 : 发信人: Gentry (而今迈步从头越), 信区: TAX : 标 题: 现在还来得及放IRA吗?哪里可以? : 发信站: BBS 未名空间站 (Mon Apr 11 13:13:13 2016, 美东) : 刚用软件填完2015税表,发现因为没有放太多的401K,导致AGI过高,然后CHILD : CREDIT也没有拿全。 : 如果想拿全CHILD CREDIT,需要马上放6000刀到退休账户。但我只有公司的401K账户, : 没有自己现成的IRA账户,能在4/15之前马上开一个并投入吗?哪里开比较好? : 谢谢。
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G****y 发帖数: 3537 | 5 谢谢,网上开还是LOCAL开?
倒是有CAPITAL 360 CHECKING AND SAVINGS
Update:
发现AGI高了一点,即使存了IRA也抵不了太多税,难道要存ROTH?
【在 L**Y 的大作中提到】 : 有capitalone 的话开一个转账就可。当天到账
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B***i 发帖数: 1208 | 6 你首先要确定你开的ira是否可以减agi. roth是不能减agi的。
【在 G****y 的大作中提到】 : 谢谢,网上开还是LOCAL开? : 倒是有CAPITAL 360 CHECKING AND SAVINGS : Update: : 发现AGI高了一点,即使存了IRA也抵不了太多税,难道要存ROTH?
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j*******n 发帖数: 579 | 7 你和老婆一人开一个传统IRA, 每人可以放$5500(如果年过半百可以每人放$6500)
【在 G****y 的大作中提到】 : 谢谢,网上开还是LOCAL开? : 倒是有CAPITAL 360 CHECKING AND SAVINGS : Update: : 发现AGI高了一点,即使存了IRA也抵不了太多税,难道要存ROTH?
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L**Y 发帖数: 2145 | 8 晒下税表让大家参谋一下
【在 G****y 的大作中提到】 : 谢谢,网上开还是LOCAL开? : 倒是有CAPITAL 360 CHECKING AND SAVINGS : Update: : 发现AGI高了一点,即使存了IRA也抵不了太多税,难道要存ROTH?
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v***a 发帖数: 903 | |
G****y 发帖数: 3537 | 10 2015 IRA Deduction Limits - Effect of Modified AGI on Deduction 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. See IRAs for
more information.
If Your Filing Status Is...
And Your Modified AGI Is... Then You Can Take...
single or
head of household
$61,000 or less
a full deduction up to the amount of your contribution limit.
more than $61,000 but less than $71,000
a partial deduction.
$71,000 or more
no deduction.
married filing jointly or qualifying widow(er)
$98,000 or less
a full deduction up to the amount of your contribution limit.
more than $98,000 but less than $118,000
a partial deduction.
$118,000 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. |
M**2 发帖数: 1121 | 11 这个 child tax credit 很恶心,即使超过 1 块,也要 round 到 1 千。
IRA 有收入 limit, 一定收入后就不让买了。
【在 G****y 的大作中提到】 : 2015 IRA Deduction Limits - Effect of Modified AGI on Deduction 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. See IRAs for : more information. : If Your Filing Status Is... : And Your Modified AGI Is... Then You Can Take... : single or : head of household : $61,000 or less
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