g***s
发帖数: 3811 | 1 换公司两家公司都放满了，总数肯定超过了很多。
如果不让公司退回来，这种多放了是否可以只交罚款？罚款比例是多少？ |
n*****y
发帖数: 1 | 2 you can withdraw before 4/15
if you miss that deadline, you will pay double tax on the excess part and
could be subject to 10% early withdraw penalty and 20% withholding
【在 g***s 的大作中提到】
: 换公司两家公司都放满了，总数肯定超过了很多。
: 如果不让公司退回来，这种多放了是否可以只交罚款？罚款比例是多少？
|
N******o
发帖数: 3053 | 3 这个非常麻烦。我多放了150刀，搞得麻烦的要死，我恨不得不要那150刀了
Steps to Take to Remove an Excess Salary Deferral
1. Figure out which retirement account you want to remove the excess salary
deferral from. You can use IRS Publication 560,
Retirement Plans for Small Business, to help you decide.
2. Notify the plan administrator (the company or broker that handles your
retirement account) that you have an excess salary deferral
as soon as possible.
3. Withdraw the funds no later than April 15, 2019 to avoid paying
additional taxes on the excess deferral.
4. Report the excess deferral on your 2018 return in the Income section for
Retirement Plans and Social Security whether or not
you received a Form 1099-R before you file your return. Enter as much
information as you can. Report the excess deferral amount in
boxes 1 and 2a, and use code P in box 7. Indicate that this is a 2019 Form
1099-R.
5. In 2019, you will probably receive two Forms 1099-R. One reports the
excess deferral amount. The other reports the earnings on
the excess deferral. Enter both of these forms in your 2019 return, and we'
ll only add the earnings to your 2019 income. |
U*C
发帖数: 225 | 4 6% tax on excessive contribution every year till you withdraw.
https://www.investopedia.com/ask/answers/158.asp
【在 g***s 的大作中提到】
: 换公司两家公司都放满了，总数肯定超过了很多。
: 如果不让公司退回来，这种多放了是否可以只交罚款？罚款比例是多少？
|
e******n
发帖数: 3435 | 5 打电话给最后的公司的401k管理公司（比如银行），告诉多交了多少，要求退回。钱会
退给你，然后发你一个什么R表，忘了，report到税表即可。
【在 g***s 的大作中提到】
: 换公司两家公司都放满了，总数肯定超过了很多。
: 如果不让公司退回来，这种多放了是否可以只交罚款？罚款比例是多少？
|
p***o
发帖数: 836 | |
d*******h
发帖数: 2146 | 7 就这么点钱交下罚款不就完了吗？还不够折腾的
还是我漏了什么？
多谢
salary
【在 N******o 的大作中提到】
: 这个非常麻烦。我多放了150刀，搞得麻烦的要死，我恨不得不要那150刀了
: Steps to Take to Remove an Excess Salary Deferral
: 1. Figure out which retirement account you want to remove the excess salary
: deferral from. You can use IRS Publication 560,
: Retirement Plans for Small Business, to help you decide.
: 2. Notify the plan administrator (the company or broker that handles your
: retirement account) that you have an excess salary deferral
: as soon as possible.
: 3. Withdraw the funds no later than April 15, 2019 to avoid paying
: additional taxes on the excess deferral.
|
d*******h
发帖数: 2146 | 8 我也借宝地顺道问一下
如果只多了一两百 懒得折腾的话后果也不严重对吧？
多谢
【在 g***s 的大作中提到】
: 换公司两家公司都放满了，总数肯定超过了很多。
: 如果不让公司退回来，这种多放了是否可以只交罚款？罚款比例是多少？
|
U*C
发帖数: 225 | 9 the penalty is 6% tax every year till you withdraw. lifetime, or maybe
longer than that if your kid will inherit.
you have a dirty spot in your tax report every year.
of course, you can ignore, but it is like a harassment for you and your kids
if you and they do care :)
【在 d*******h 的大作中提到】
: 我也借宝地顺道问一下
: 如果只多了一两百 懒得折腾的话后果也不严重对吧？
: 多谢
|
p********m
发帖数: 217 | |
|
|
U*C
发帖数: 225 | 11 the penalty is 6% tax every year till you withdraw. lifetime, or maybe
longer than that if your kid will inherit.
you have a dirty spot in your tax report every year.
of course, you can ignore, but it is like a harassment for you and your kids
if you and they do care :)
【在 d*******h 的大作中提到】
: 我也借宝地顺道问一下
: 如果只多了一两百 懒得折腾的话后果也不严重对吧？
: 多谢
|
p***o
发帖数: 836 | |
h****n
发帖数: 4960 | 13 that is not for 401k, no such a thing
kids
【在 U*C 的大作中提到】
: the penalty is 6% tax every year till you withdraw. lifetime, or maybe
: longer than that if your kid will inherit.
: you have a dirty spot in your tax report every year.
: of course, you can ignore, but it is like a harassment for you and your kids
: if you and they do care :)
|
h****n
发帖数: 4960 | 14 不严重.当年补交税..以后提取时候还要交税,就是double tax这部分钱
【在 d*******h 的大作中提到】
: 我也借宝地顺道问一下
: 如果只多了一两百 懒得折腾的话后果也不严重对吧？
: 多谢
|
U*C
发帖数: 225 | 15 下面文章说的每年6% till you withdraw.
https://www.investopedia.com/ask/answers/158.asp
你的说法有链接吗？
【在 h****n 的大作中提到】
: 不严重.当年补交税..以后提取时候还要交税,就是double tax这部分钱
|
h****n
发帖数: 4960 | 16 你自己发的link说的很清楚
“Excess contributions are taxed at 6% per year for each year the excess
amounts remain in the IRA. ”
in the IRA..not 401k
【在 U*C 的大作中提到】
: 下面文章说的每年6% till you withdraw.
: https://www.investopedia.com/ask/answers/158.asp
: 你的说法有链接吗？
|
U*C
发帖数: 225 | 17 ok, I see. thanks.
somehow the link's title says 401k over-contribution, but the portion
talking about excessive contribution penalty is on IRA, not 401k. guess
the author might just copy/paste from somewhere.
【在 h****n 的大作中提到】
: 你自己发的link说的很清楚
: “Excess contributions are taxed at 6% per year for each year the excess
: amounts remain in the IRA. ”
: in the IRA..not 401k
|
