g***s
发帖数: 3811 | 1 购买non-deductible IRA
是否有什么限制？一年每人５０００？有没有什么收入条件？
是否需要report给IRA？２０１１年的是否现在还可以买？
非常感谢!
如果需要，可以给包子 |
S**I
发帖数: 15689 | 2 没限制，随便买
需要报告给IRS
可以
【在 g***s 的大作中提到】
: 购买non-deductible IRA
: 是否有什么限制？一年每人５０００？有没有什么收入条件？
: 是否需要report给IRA？２０１１年的是否现在还可以买？
: 非常感谢!
: 如果需要，可以给包子
|
g***s
发帖数: 3811 | 3 $5000/y/p?
what form should I use for report to IRS? I already filed the tax return for
2011. and what should I do if I buy the non-deductible IRA?
Thanks!
【在 S**I 的大作中提到】
: 没限制，随便买
: 需要报告给IRS
: 可以
|
y*****n
发帖数: 11251 | 4 http://www.savingtoinvest.com/2009/08/new-roth-ira-conversion-r
If your agi is below $107000 and single, put $5000 to roth.
for
【在 g***s 的大作中提到】
: $5000/y/p?
: what form should I use for report to IRS? I already filed the tax return for
: 2011. and what should I do if I buy the non-deductible IRA?
: Thanks!
|
g***s
发帖数: 3811 | 5 I knew Roth-IRA has the limitation.
But it seems non-deductible IRA doesn't. But I dont know what I should do if
i want to buy it.
Thanks.
【在 y*****n 的大作中提到】
: http://www.savingtoinvest.com/2009/08/new-roth-ira-conversion-r
: If your agi is below $107000 and single, put $5000 to roth.
:
: for
|
S**I
发帖数: 15689 | 6 5000的限制当然还是有的，但对收入水平没限制。
for
【在 g***s 的大作中提到】
: $5000/y/p?
: what form should I use for report to IRS? I already filed the tax return for
: 2011. and what should I do if I buy the non-deductible IRA?
: Thanks!
|
y*****n
发帖数: 11251 | 7 You may check here for more details http://www.bogleheads.org/wiki/Non-deductible_Traditional_IRA
I do not see put money to non-deductible ira make a lot of senses though.
Roth is a better way and non-deductible ira will be double taxed.
if
【在 g***s 的大作中提到】
: I knew Roth-IRA has the limitation.
: But it seems non-deductible IRA doesn't. But I dont know what I should do if
: i want to buy it.
: Thanks.
|
f*******n
发帖数: 12623 | 8 There is an income limit to contribute to a Roth IRA.
If your exceed the income limit, you need to first contribute to a non-
deductible traditional IRA and then convert it to Roth IRA.
I agree that it doesn't make sense to keep a non-deductible traditional IRA
and not convert it.
【在 y*****n 的大作中提到】
: You may check here for more details http://www.bogleheads.org/wiki/Non-deductible_Traditional_IRA
: I do not see put money to non-deductible ira make a lot of senses though.
: Roth is a better way and non-deductible ira will be double taxed.
:
: if
|
g***s
发帖数: 3811 | 9 yes, Roth is better. But Roth has AGI limitation. that's why I'm thinking to
contribute to non-deductible IRA and then convert to Roth.
why non-deductible IRA will be double taxed? As I think, non-deductible IRA,
the principal will not be taxed and only divident will be taxed when
withdraw or convert to Roth.
Thanks.
【在 y*****n 的大作中提到】
: You may check here for more details http://www.bogleheads.org/wiki/Non-deductible_Traditional_IRA
: I do not see put money to non-deductible ira make a lot of senses though.
: Roth is a better way and non-deductible ira will be double taxed.
:
: if
|
g***s
发帖数: 3811 | 10 what should I do if i contribute 2011 non-deductible IRA after I file the
tax return?
what form should I file to IRS?
Thanks! |
|
|
f*******n
发帖数: 12623 | 11 You need to file Form 8606. Complete part 1 (non-deductible contributions).
I'm not sure if you need to amend your taxes or if just sending in the form
is fine.
【在 g***s 的大作中提到】
: what should I do if i contribute 2011 non-deductible IRA after I file the
: tax return?
: what form should I file to IRS?
: Thanks!
|
g***s
发帖数: 3811 | 12 ok.
最后的问题就只剩下：如果已经file了２０１１年的tax return，再contribute ２０
１１年的non－deductible IRA，如何报8606表。
希望大牛指点！谢谢。 |
g***s
发帖数: 3811 | 13 Got it from IRS:
"After you file your return, you can change a nondeductible contribution to
a traditional IRA to a deductible contribution or vice versa. You also may
be able to make a recharacterization (discussed earlier). If necessary,
complete a new Form 8606 showing the revised information and file it with
Form 1040X, Amended U.S. Individual Income Tax Return."
thanks all guys who replied.
【在 g***s 的大作中提到】
: ok.
: 最后的问题就只剩下：如果已经file了２０１１年的tax return，再contribute ２０
: １１年的non－deductible IRA，如何报8606表。
: 希望大牛指点！谢谢。
|
f*******n
发帖数: 12623 | 14 But neither of those applies to you. You are not recharacterizing and you
are not changing the IRA deduction. There is nothing to change on Form 1040
for you.
to
【在 g***s 的大作中提到】
: Got it from IRS:
: "After you file your return, you can change a nondeductible contribution to
: a traditional IRA to a deductible contribution or vice versa. You also may
: be able to make a recharacterization (discussed earlier). If necessary,
: complete a new Form 8606 showing the revised information and file it with
: Form 1040X, Amended U.S. Individual Income Tax Return."
: thanks all guys who replied.
|
g***s
发帖数: 3811 | 15 ohh.. didn't read it carefully.
i saw a similar situation in yahoo answer:
http://answers.yahoo.com/question/index?qid=20080602113200AAxva
and someone suggested:
"Fill out the 8606 and send it in with a 1040X as a cover sheet. Do not fill
in any of the numbered lines on the 1040x."
Should it be ok?
Thanks.
1040
【在 f*******n 的大作中提到】
: But neither of those applies to you. You are not recharacterizing and you
: are not changing the IRA deduction. There is nothing to change on Form 1040
: for you.
:
: to
|
f*******n
发帖数: 12623 | 16 I guess it can't hurt, right?
fill
【在 g***s 的大作中提到】
: ohh.. didn't read it carefully.
: i saw a similar situation in yahoo answer:
: http://answers.yahoo.com/question/index?qid=20080602113200AAxva
: and someone suggested:
: "Fill out the 8606 and send it in with a 1040X as a cover sheet. Do not fill
: in any of the numbered lines on the 1040x."
: Should it be ok?
: Thanks.
:
: 1040
|
