回复：answer your question for health&beauty

Yes, you can do it. You have one day left for 2009 contribution. See the quote here "Just because the conversion limit of $100,000 AGI is lifted, doesn’t mean that the income restrictions are lifted for new contributions into the Roth. If you’re over the phase out limits of the Roth IRA contribution, you will not be able to contribute new money to the Roth. There is a backdoor approach to this and that allows you contribute to a non-deductible IRA and then right immediately afterwards convert it to a Roth IRA and avoid all taxable consequence. It’s a nice loophole that still allows you to continue to contribute to the Roth and benefit from the tax-free money" (from http://www.goodfinancialcents.com/2010-roth-ira-conversion-rules/).

所有跟帖： 

• So it's a "loophole". Thanks a lot! -橄榄树1- ♀ (0 bytes) () 04/14/2010 postreply 19:52:18

• Thanks, 易木 -health&beauty- ♀ (65 bytes) () 04/14/2010 postreply 21:48:58