提上来问，有没有给孩子建ROTH IRA的？有什么tax implication。

提上来问，有没有给孩子建ROTH IRA的？有什么tax implication。 我两娃，每年连exemption都拿不全，直接AMT， 还别说什么itemized deduction了。所以考虑建ROTH IRA。有经验的说一说？

大孩１０岁。

 Several questions for

kid’s Roth IRA

   a)      Tax implication for parent? Kids report Tax independently?

   b)      Health insurance implication? Can I still claim kid as dependent in health insurance?

   c)       What kind of kid’s income can be called income? Have to be W-2, 1099 form?  Can I setup a brokerage account for kids (as a gift) and use the earned money as income, then contribute Roth IRA for kid?

 

所有跟帖： 

• 先要孩子有收入，他们有吗？没有收入如何建roth IRA? -mickey222- ♀ (0 bytes) () 08/07/2012 postreply 13:29:09

• 没有经验。不过谷歌到这个文章可以看看。 -美蓝海- ♀ (89 bytes) () 08/07/2012 postreply 13:30:33

• 谢谢。我的３问题都没有涉及。我最担心的是第２个问题。 -R&D- ♀ (0 bytes) () 08/07/2012 postreply 13:45:17

• 刚才问了一个同事，头两个问题都不是问题。我自己不懂，瞎担心。 -R&D- ♀ (177 bytes) () 08/07/2012 postreply 14:18:00

• 谢谢分享。 -美蓝海- ♀ (0 bytes) () 08/07/2012 postreply 14:53:00

• 又查了一查，收入必需是earned income. -R&D- ♀ (63 bytes) () 08/07/2012 postreply 16:57:06

• 隐约记得要满18岁而且是有工作收入的人才够资格 -臭臭妈妈- ♀ (0 bytes) () 08/07/2012 postreply 13:41:27

• 可以在家做家勿那工资啊. -sinke- ♂ (0 bytes) () 08/07/2012 postreply 13:45:38

• Do Kids have total control over the roth IRA? -nonamewriter- ♂ (143 bytes) () 08/07/2012 postreply 14:51:58

• do you have to let them know there is a roth IRA account for the -mickey222- ♀ (0 bytes) () 08/07/2012 postreply 15:48:08

• Haha, you have a solution. -Nonamewriter- ♂ (124 bytes) () 08/07/2012 postreply 16:18:24

• sure! but as long as you have the real control... nothing to wor -mickey222- ♀ (0 bytes) () 08/07/2012 postreply 16:28:50

• No, as far as I know. -Morning3evening4- ♂ (246 bytes) () 08/07/2012 postreply 18:28:12

• 回复：No, as far as I know. -Morning3evening4- ♂ (6082 bytes) () 08/07/2012 postreply 18:30:57

• 要earned income，那就泡汤了。 -R&D- ♀ (0 bytes) () 08/07/2012 postreply 19:39:40

• 不需要18岁的，你搞错了 -mickey222- ♀ (0 bytes) () 08/07/2012 postreply 20:22:30