I am doing exactly what you want to do now.

来源: autumnjune 于 2016-03-27 21:12:51 [] [旧帖] [给我悄悄话] 阅读数 : (811 bytes)
回答: 关于Roth IRA 由 稀里糊涂麻麻糊糊 于 2016-03-27 20:04:56

I opened two traditional IRA accounts at Schwab.com for myself and my husband, respectively. The online account opening process is simple and efficient. But funding can not be performed right away, it seems to me that It'll need a few business days for the broker to complete its onboarding procedures before I can actually fund the accounts.

I had a Roth IRA account that I opened when I was a student. I plan to fund my traditional IRA account by after-tax $$$ and roll the fund over to my Roth IRA account prior to April 18th, 2016, the deadline. 

My husband does not own a Roth IRA account. I would convert his newly opened traditional IRA account to a Roth IRA account right after I fund the account by after-tax $$$. 

Good luck!

所有跟帖： 

• 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

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