关于Roth IRA

来源: 稀里糊涂麻麻糊糊 于 2016-03-27 20:04:56 [] [旧帖] [给我悄悄话] 阅读数 : (357 bytes)

夫妻联合报税，AGI大概20万。想开一个Roth IRA 账户，怎样操作呢？我的想法是开一个税后的traditional IRA 和一个Roth IRA，将税后的钱先存入traditional IRA, 再通过backdrop 转入Roth IRA，不知是否可行？本人目前只有公司的401K，没有任何的IRA账号。

先谢谢各位啦

所有跟帖： 

• I am doing exactly what you want to do now. -autumnjune- ♀ 给 autumnjune 发送悄悄话 (811 bytes) () 03/27/2016 postreply 21:12:51

• 太谢谢了。有用。我是新手，逮住再问问 -稀里糊涂麻麻糊糊- ♀ 给 稀里糊涂麻麻糊糊 发送悄悄话 (565 bytes) () 03/28/2016 postreply 06:43:47

• It seems to me that you can not open a Roth IRA account -autumnjune- ♀ 给 autumnjune 发送悄悄话 (247 bytes) () 03/28/2016 postreply 08:13:16

• I understand that my AGI does NOT qualify me a Roth IRA contribu -稀里糊涂麻麻糊糊- ♀ 给 稀里糊涂麻麻糊糊 发送悄悄话 (290 bytes) () 03/28/2016 postreply 09:00:55

• No. You can't open a Roth IRA account. Conversion is an alternat -autumnjune- ♀ 给 autumnjune 发送悄悄话 (690 bytes) () 03/28/2016 postreply 09:57:52

• 那是可以的。IRS并不限制开Roth IRA账户，但如收入高，不能直接放入钱而已。 -易木- ♂ 给 易木 发送悄悄话 易木 的博客首页 (235 bytes) () 03/28/2016 postreply 10:24:13

• I did the same as you did. But my understanding is that -autumnjune- ♀ 给 autumnjune 发送悄悄话 (243 bytes) () 03/28/2016 postreply 10:32:20

• Well, I have been doing this with Fidelity since 2010. I just di -易木- ♂ 给 易木 发送悄悄话 易木 的博客首页 (139 bytes) () 03/28/2016 postreply 10:46:37

• That was a conversion, which is different. -autumnjune- ♀ 给 autumnjune 发送悄悄话 (0 bytes) () 03/28/2016 postreply 10:56:43

• You are so persistent:) -易木- ♂ 给 易木 发送悄悄话 易木 的博客首页 (201 bytes) () 03/28/2016 postreply 12:00:49

• Any limit on the amount you can contribute to traditional IRA -beachlver- ♂ 给 beachlver 发送悄悄话 beachlver 的博客首页 (83 bytes) () 03/28/2016 postreply 10:25:09

• $5500 per individual for the year 2015, assuming you are below 5 -autumnjune- ♀ 给 autumnjune 发送悄悄话 (120 bytes) () 03/28/2016 postreply 10:33:40

• Thanks! Didn't expect the limit is so low, but better than none -beachlver- ♂ 给 beachlver 发送悄悄话 beachlver 的博客首页 (169 bytes) () 03/28/2016 postreply 10:50:46

• 谢谢。看来我提前的理解有误。那就是说 -稀里糊涂麻麻糊糊- ♀ 给 稀里糊涂麻麻糊糊 发送悄悄话 (344 bytes) () 03/28/2016 postreply 13:31:50

• Ask your broker what to do. -autumnjune- ♀ 给 autumnjune 发送悄悄话 (0 bytes) () 03/28/2016 postreply 14:34:51

• IRA 与 Roth IRA -轻松生活- ♂ 给 轻松生活 发送悄悄话 轻松生活 的博客首页 (533 bytes) () 04/03/2016 postreply 00:19:46

• Does that count as your income when roll over from traditional I -七妹- ♀ 给 七妹 发送悄悄话 七妹 的博客首页 (0 bytes) () 03/28/2016 postreply 10:04:25

• Yes or no. If you have maintained the traditional IRA account fo -autumnjune- ♀ 给 autumnjune 发送悄悄话 (773 bytes) () 03/28/2016 postreply 10:26:46

• 没有问题。traditional IRA到账后尽快convert到Roth以避免收益税，留着traditional账号等明年再这 -易木- ♂ 给 易木 发送悄悄话 易木 的博客首页 (0 bytes) () 03/28/2016 postreply 03:47:47

• 多谢回答。 那就是要开两个账户了？traditional IRA 账户 -稀里糊涂麻麻糊糊- ♀ 给 稀里糊涂麻麻糊糊 发送悄悄话 (168 bytes) () 03/28/2016 postreply 06:49:54

• 是两个账户。traditional账户余额可以是零。Roth开账户没有问题，从traditional转钱过来也没有问题，但直接放 -易木- ♂ 给 易木 发送悄悄话 易木 的博客首页 (0 bytes) () 03/28/2016 postreply 07:15:47

• 钱有收入限制 -易木- ♂ 给 易木 发送悄悄话 易木 的博客首页 (0 bytes) () 03/28/2016 postreply 07:16:09

• 非常感谢 -稀里糊涂麻麻糊糊- ♀ 给 稀里糊涂麻麻糊糊 发送悄悄话 (0 bytes) () 03/28/2016 postreply 07:51:57

• You are not qualified. You made too much. -shanzhongke- ♂ 给 shanzhongke 发送悄悄话 (0 bytes) () 03/28/2016 postreply 07:21:41

• Please google "backdoor Roth IRA". You will konw no matter how m -易木- ♂ 给 易木 发送悄悄话 易木 的博客首页 (0 bytes) () 03/28/2016 postreply 07:54:47

• Much you made, this is the way to contribute to Roth IRA indirec -易木- ♂ 给 易木 发送悄悄话 易木 的博客首页 (0 bytes) () 03/28/2016 postreply 07:55:37

• 谢谢。但能详细说说吗？ -稀里糊涂麻麻糊糊- ♀ 给 稀里糊涂麻麻糊糊 发送悄悄话 (195 bytes) () 03/28/2016 postreply 08:01:38

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