你的理解是错的

Back door roth conversion uses pro-rata when converting to Roth.

For example, if you have $6000 after tax traditional IRA money and $12000 before tax traditional IRA, no matter how many accounts they are in, they are considered as a whole when converting to Roth.

In this example, whatever money you convert, only 1/3 of that does not need pay additional tax, the other 2/3 must pay income tax.

 

 

所有跟帖： 

• However money in a 401K account is not considered in the convers -rockyer- ♂ (0 bytes) () 02/10/2021 postreply 17:52:03

• 如果401已经转出来到IRA 了，那还算在 pro-rata公式里吗？ -DoubleDelight- ♀ (0 bytes) () 02/10/2021 postreply 17:57:44

• yes -rockyer- ♂ (0 bytes) () 02/10/2021 postreply 18:06:29

• 所以做backdoor，最好只从401K里转IRA想要convert到Roth IRA的数目。 -霞女- ♀ (0 bytes) () 02/10/2021 postreply 19:17:35

• 你说得对 -冷雨无声- ♀ (65 bytes) () 02/10/2021 postreply 19:06:17