大家讲讲这篇文章有道理么？

The one aspect that often "trips people up" is the IRS requirement that you must aggregate all your IRAs to determine tax liability, Mayabb says. "You have to consider all your IRAs and where those dollars came from," she says. "If you have another IRA out there and if you originally took a tax deduction on those dollars, that will affect your tax liability on the Roth IRA."

http://www.bankrate.com/finance/retirement/drawback-one-type-roth-conversion.aspx

所有跟帖： 

• 有道理呀。 -马嘉- ♀ (0 bytes) () 12/02/2012 postreply 12:10:57

• 那转non-deductible ira到roth还值得吗？ -bayworker- ♂ (0 bytes) () 12/02/2012 postreply 12:36:50

• 转non-deductible ira到roth还值得. -laoyangdelp- ♀ (0 bytes) () 12/02/2012 postreply 13:12:49

• 您对文中rollover ira对roth缴税问题咋看哪？ -bayworker- ♂ (0 bytes) () 12/02/2012 postreply 13:21:17

• 如果你预期退休后的税率高的话，现在交税还是合适的。 -易木- ♂ (0 bytes) () 12/02/2012 postreply 13:53:51

• 同意缴税。可是依这篇文章的看法，需要交两次，如果有deductible rollover IRA -bayworker- ♂ (23 bytes) () 12/02/2012 postreply 19:06:48

• deductible rollover IRA本来就是税前的，转Roth时交税，何来两次？ -易木- ♂ (0 bytes) () 12/02/2012 postreply 20:10:24

• 俺的理解是即使只转non-deductible IRA, 只要有rollover，就要缴税（prorated） -bayworker- ♂ (0 bytes) () 12/02/2012 postreply 20:20:08

• non-deductible IRA的contribution部分转Roth不用缴税，要交税的只是gain。 -易木- ♂ (167 bytes) () 12/02/2012 postreply 20:52:42

• 谢谢，俺也是这样想。否则照文章讲的，那美国税法也太。。。 -bayworker- ♂ (0 bytes) () 12/02/2012 postreply 21:04:33

• 如果你没有deductible T-IRA, 只有 non-deductible, 只有 growth 要交税 -laoyangdelp- ♀ (491 bytes) () 12/02/2012 postreply 14:22:37

• 文章里给的例子。看起来像是loophole。 -bayworker- ♂ (494 bytes) () 12/02/2012 postreply 19:04:15