回复：夫妇俩公司都交了maximum公司的401k,那还可以自己开个IRA账号，交1万/couple 吗？

Each of you can open an IRA account and contribute $5,000 each ($6,000 if you are over 50 years old) for 2009 before 4/15/10. If you have 401k and high income, you can not deduce the contribution from your income. So the IRA account is a non-duductible traditional IRA. But started this year, you can convert this non-duductible IRA to Roth IRA right after you made the contribution.
In addition, if you already filed your tax return, you can file 1040X to inform IRS that you made such contribution, and you need to file Form 8606.

所有跟帖： 

• 谢谢。那non-deductible IRA既然不能减AGI,除了可以转成roth IRA， -wonder1- ♀ (80 bytes) () 04/09/2010 postreply 18:42:00

• 回复：谢谢。那non-deductible IRA既然不能减AGI,除了可以转成roth IRA， -易木- ♂ (144 bytes) () 04/09/2010 postreply 18:54:04

• Thanks for the clear explanation! -wonder1- ♀ (0 bytes) () 04/09/2010 postreply 18:58:02

• Pls be careful to convert to Roth if you have a deductible IRA -health&beauty- ♀ (87 bytes) () 04/09/2010 postreply 19:06:55

• 回复：Pls be careful to convert to Roth if you have a deductible IR -易木- ♂ (100 bytes) () 04/09/2010 postreply 19:09:36

• what's AGI limit for IRA, R IRA? THX -美西游子- ♀ (0 bytes) () 04/09/2010 postreply 20:37:29

• http://www.irs.gov/publications/p590/ch02.html#en_US_publink1000 -health&beauty- ♀ (1928 bytes) () 04/09/2010 postreply 21:03:19

• right on, thanks a bunch! -美西游子- ♀ (0 bytes) () 04/09/2010 postreply 21:37:59

• 回复：Pls be careful to convert to Roth if you have a deductible IR -易木- ♂ (36 bytes) () 04/09/2010 postreply 19:11:41

• Thanks, beauty and 易木. -wonder1- ♀ (0 bytes) () 04/09/2010 postreply 19:17:28