It seems to me that you can not open a Roth IRA account

due to the qualification issue. But you can open a traditional IRA account, deposting after-tax $$$, and convert it to a Roth IRA account. Conversion is called "backdoor Roth conversion", not subject to the income restriction.

所有跟帖： 

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

• No. You can't open a Roth IRA account. Conversion is an alternat -autumnjune- ♀ (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- ♂ (235 bytes) () 03/28/2016 postreply 10:24:13

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

• Well, I have been doing this with Fidelity since 2010. I just di -易木- ♂ (139 bytes) () 03/28/2016 postreply 10:46:37

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

• You are so persistent:) -易木- ♂ (201 bytes) () 03/28/2016 postreply 12:00:49

• Any limit on the amount you can contribute to traditional IRA -beachlver- ♂ (83 bytes) () 03/28/2016 postreply 10:25:09

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

• Thanks! Didn't expect the limit is so low, but better than none -beachlver- ♂ (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- ♀ (344 bytes) () 03/28/2016 postreply 13:31:50

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

• IRA 与 Roth IRA -轻松生活- ♂ (533 bytes) () 04/03/2016 postreply 00:19:46