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TAX版 - 怎么backdoor Roth会影响报税? (转载)
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q****x
发帖数: 7404
1
【 以下文字转载自 Investment 讨论区 】
发信人: quantx (X矿工), 信区: Investment
标 题: 怎么backdoor Roth会影响报税?
发信站: BBS 未名空间站 (Mon Mar 25 02:52:33 2013, 美东)
有人用TurboTax吗?按TurboTax的指令,backdoor Roth会影响报税,怎么回事?详情
如下:
TurboTax -> Federal Taxes -> Deductions & Credits -> Explore All
选Retirement and Investments,再Visit All。
这时会问有没有contribute traditional IRA和Roth IRA。backdoor Roth到底算
contribute traditional,还是Roth,还是都算?
试着只选了traditional,问是不是repayment of distribution,选否。问数目,填5
千。
这时会问How much you transferred to Roth,TurboTax是这么说的:
How much of the $5000 you contributed to a traditional IRA for 2012 did you
switch, or "recharacterize"(this does not conversion or rollovers), to a
Roth IRA?
旁边的Explanation This如下,看起来就是描述backdoor IRA的。
Recharacterizing a Contribution From a Traditional IRA to a Roth IRA
This means that you first contributed money to a traditional IRA, but then
later moved your money to a Roth IRA. This is sometimes referred to as a "
recharacterization." A recharacterization such as this is different from a
Roth conversion because your Roth IRA contribution is for the same year as
the original traditional IRA contribution. So, the money would be both
contributed to the traditional IRA and subsequently moved to the Roth IRA
during the time period of January 1, 2012 until April 18, 2013 (the final
day you can contribute to an IRA for the 2010 tax year).
可是如果这里填5000,联邦退税会降不少。按理说backdoor Roth都是税后的钱,毫无
影响才对啊。
另外IRA recharacterization好像有特定含义。这里看到的和上述描述完全不一样。
http://www.bogleheads.org/wiki/IRA_recharacterization
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