after tax 401K

来源: 柠檬椰子汁 于 2021-12-12 11:18:53 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (999 bytes)
回答: 请教After tax 401k 由 anne2 于 2021-12-12 11:05:10

1. withraw of after tax 401K, the contribution is not taxed because it is already tax when it is conributed.  The earning will be taxed as usual income. 

2. the after tax 401K is taxed just like any of your after tax brokerage account, with following exceptions

(a) it is part of your retirement account that is protected from lawsuit and creditors.

(b) it is part of your retirement account that is not counted during college financial aid calcuation. 

(c) you can rollover after tax 401K contributions to a ROTH IRA, and the earning from after-tax 401K to a traidtioal IRA  see https://www.irs.gov/retirement-plans/rollovers-of-after-tax-contributions-in-retirement-plans

 

所有跟帖： 

• 楼主问的其实应该是Roth 401k，而不是after rax 401k -落花起作回风舞- ♀ 给 落花起作回风舞 发送悄悄话 (0 bytes) () 12/12/2021 postreply 13:01:31

• 她交满19500，再往后都是after-tax -柠檬椰子汁- ♂ 给 柠檬椰子汁 发送悄悄话 柠檬椰子汁 的博客首页 (0 bytes) () 12/12/2021 postreply 16:38:56

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