提上來問，有沒有給孩子建ROTH IRA的？有什麽tax implication。

提上來問，有沒有給孩子建ROTH IRA的？有什麽tax implication。 我兩娃，每年連exemption都拿不全，直接AMT， 還別說什麽itemized deduction了。所以考慮建ROTH IRA。有經驗的說一說？

大孩１０歲。

 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，他們有嗎？沒有收入如何建roth IRA? -mickey222- ♀ (0 bytes) () 08/07/2012 postreply 13:29:09

• 沒有經驗。不過穀歌到這個文章可以看看。 -美藍海- ♀ (89 bytes) () 08/07/2012 postreply 13:30:33

• 謝謝。我的３問題都沒有涉及。我最擔心的是第２個問題。 -R&D- ♀ (0 bytes) () 08/07/2012 postreply 13:45:17

• 剛才問了一個同事，頭兩個問題都不是問題。我自己不懂，瞎擔心。 -R&D- ♀ (177 bytes) () 08/07/2012 postreply 14:18:00

• 謝謝分享。 -美藍海- ♀ (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

• 隱約記得要滿18歲而且是有工作收入的人才夠資格 -臭臭媽媽- ♀ (0 bytes) () 08/07/2012 postreply 13:41:27

• 可以在家做家勿那工資啊. -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

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

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

• 不需要18歲的，你搞錯了 -mickey222- ♀ (0 bytes) () 08/07/2012 postreply 20:22:30