health&beauty,易木 and 美西游子- about Recharacterization: TIRA - RIRA

来源: 于 2010-04-11 17:37:55 [旧帖] [给我悄悄话] 本文已被阅读：次

如果去年开过ROTH-IRA account并放了$5000, 但是今年报税的
时候发现并不qualify ROTH IRA,有什么比较好的办法避免如下操作:

1 Recharacterize $5000+gain from ROTH IRA to Traditional IRA;

2 convert back from TIRA to RIRA with Form 8606;
补交tax on the gain from $5000 in ROTH IRA;

这样显得比较绕. 因为除了补税, 钱还是回到ROTH IRA account.
从PUB.590 和 Instructions for Form 8606
上面也没有找到明确指示.


谢谢