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

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

所有跟帖： 

• 没罚你? -美西游子- ♀ (49 bytes) () 04/11/2010 postreply 18:01:46

• 放入roth IRA 的时候确实 -spectral808- ♂ (113 bytes) () 04/11/2010 postreply 21:16:30

• 回复：health&beauty,易木 and 美西游子- about Recharacterization: TIRA - R -易木- ♂ (127 bytes) () 04/11/2010 postreply 18:06:37

• 4月15日前拿出来，或者recharacterize成non-deductible -H&CMom- ♀ (94 bytes) () 04/11/2010 postreply 18:41:58

• 准备recharacterize成non-deductible -spectral808- ♂ (70 bytes) () 04/11/2010 postreply 21:19:33

• health&beauty,易木, 请教二位. -美西游子- ♀ (74 bytes) () 04/11/2010 postreply 19:06:23

• 两个都是after tax contribution，但是 -H&CMOM- ♀ (146 bytes) () 04/11/2010 postreply 19:23:29

• thanks. but still puzzled -美西游子- ♀ (57 bytes) () 04/11/2010 postreply 19:31:04

• 回复：health&beauty,易木, 请教二位. -易木- ♂ (181 bytes) () 04/11/2010 postreply 19:30:17

• 请指点迷津, 再谢. -美西游子- ♀ (94 bytes) () 04/11/2010 postreply 19:34:54

• There is indeed tax-deferral--the growth part is tax-deferral. -Morning3evening4- ♂ (103 bytes) () 04/11/2010 postreply 19:39:40

• Forgot the dividend part--regular account can not achieve this. -Morning3evening4- ♂ (0 bytes) () 04/11/2010 postreply 19:45:51

• 回复：请指点迷津, 再谢. -易木- ♂ (475 bytes) () 04/11/2010 postreply 19:54:48

• Yes, you need recharacterization -health&beauty- ♀ (1276 bytes) () 04/11/2010 postreply 21:34:33

• 非常感谢详细的解答, ROTH IRA contribution -spectral808- ♂ (355 bytes) () 04/11/2010 postreply 23:45:25

• Recharacterization -health&beauty- ♀ (2877 bytes) () 04/13/2010 postreply 13:29:39