根据pro Rata rule, 答案是:要按比例二次交税。所以还是放着不动好,除非你退休后的税率会大大高于目前
讨论的是,已经税前税后 mixed IRA,转换到Roth,税后部分是不是免税
所有跟帖:
• 这么会犯这样的错误 -jin_yin_hua- ♂ (0 bytes) () 03/29/2018 postreply 11:54:38
• 想当然呗。IRS精着呢,不然这back door相当于完全绕过了Roth对收入的要求 -随雨无形- ♀ (0 bytes) () 03/29/2018 postreply 13:55:31
• 401k转Roth IRA时是按你的total portfolio 中税前/税后比例转的, -lakeviewredhouse- ♀ (60 bytes) () 03/29/2018 postreply 12:35:02
• you can NOT rollover directly from your 401k to Roth. -hello2002- ♀ (0 bytes) () 03/29/2018 postreply 13:02:56
• 我说了“转”。谁说了”rollover”? -lakeviewredhouse- ♀ (285 bytes) () 03/29/2018 postreply 13:21:19
• the tax part is actually right in this step, so it is better to -hello2002- ♀ (0 bytes) () 03/29/2018 postreply 15:14:01