如果公司提供401K,TIRA 有可能不能免税,我的理解对吗?

来源: 沉默是嘛! 2024-01-09 13:46:15 [] [旧帖] [给我悄悄话] 本文已被阅读: 次 (7044 bytes)
回答: Roth IRA backdoor 不一定适合每一个人blue_valley2024-01-09 12:47:24

If you (or your spouse) have an employer-sponsored retirement plan, the tax-deductible portion of your IRA contribution may be limited. 

 

Filing Status: Married Filing Jointly - You Participate in a retirement plan at work
?Modified Adjusted Gross Income (MAGI) Allowable Deduction
$116,000 or less  A full deduction up to the lesser of $6,500 ($7,500 if you're 50 or older) of your taxable compensation
Between $116,000 and $136,000  A partial deduction based on your MAGI
$136,000 or more   No deduction 

所有跟帖: 

另外增值也不免税 -小儿子的老妈- 给 小儿子的老妈 发送悄悄话 (65 bytes) () 01/09/2024 postreply 14:19:47

所以Backdoor Roth IRA 只对那些放TIRA 不能免税,放Roth IRA又不符合资格的高收入人士有用。 -沉默是嘛!- 给 沉默是嘛! 发送悄悄话 (0 bytes) () 01/09/2024 postreply 14:31:35

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