backdoor， “There are no income or contribution limits ”

Backdoor Roth: A strategy for people whose income is too high to be eligible for regular Roth IRA contributions. You simply roll money from a traditional IRA to a Roth. There are no income or contribution limits — that is, anyone can convert any amount of money from a traditional to a Roth IRA. But you risk a hefty tax bill on the rollover if you have pretax money — either contributions you’ve deducted or investment earnings — sitting in any traditional IRAs, thanks to the IRS’ pro-rata rule.

所有跟帖： 

• If you have a roller over IRA account(s) -越王剑- ♂ (315 bytes) () 12/03/2023 postreply 12:57:40

• 简单一句话就是， 当你已经seup ira， ira已经有钱了， 那就别做backdoor了 -螺丝螺帽- ♀ (588 bytes) () 12/03/2023 postreply 14:31:29

• 当收入降低的那一年再转，因为即便那个钱算入你的income，因为相对来说你的税表税率会较低，需要支付的tax也会低一些 -伯克希尔哈萨维- ♂ (0 bytes) () 12/03/2023 postreply 13:49:28

• 是，退休后转。 -bobpainting- ♀ (0 bytes) () 12/03/2023 postreply 13:51:03

• 是的，如果那一年收入降级了，或者股市亏损了，或者搬到了一个更低州税的州，那年12月转应该是比较好的时机 -伯克希尔哈萨维- ♂ (84 bytes) () 12/03/2023 postreply 14:00:31

• 退休和backdoor， 有关系吗？ -螺丝螺帽- ♀ (0 bytes) () 12/03/2023 postreply 14:33:35

• 楼上说的401K转 ROTH IRA得时间，税率低得时候转。与BACKDOOR没关系。 -bobpainting- ♀ (0 bytes) () 12/03/2023 postreply 14:39:13

• 你混啦。。。401k是公司提供的。ira是投资公司提供的。我写的平移， 就是401k去ira， -螺丝螺帽- ♀ (149 bytes) () 12/03/2023 postreply 15:05:06