討論的是，已經稅前稅後 mixed IRA，轉換到Roth，稅後部分是不是免稅

根據pro Rata rule, 答案是：要按比例二次交稅。所以還是放著不動好，除非你退休後的稅率會大大高於目前

所有跟帖： 

• 這麽會犯這樣的錯誤 -jin_yin_hua- ♂ (0 bytes) () 03/29/2018 postreply 11:54:38

• 想當然唄。IRS精著呢，不然這back door相當於完全繞過了Roth對收入的要求 -隨雨無形- ♀ (0 bytes) () 03/29/2018 postreply 13:55:31

• 401k轉Roth IRA時是按你的total portfolio 中稅前/稅後比例轉的， -lakeviewredhouse- ♀ (60 bytes) () 03/29/2018 postreply 12:35:02

• you can NOT rollover directly from your 401k to Roth. -hello2002- ♀ (0 bytes) () 03/29/2018 postreply 13:02:56

• 我說了“轉”。誰說了”rollover”? -lakeviewredhouse- ♀ (285 bytes) () 03/29/2018 postreply 13:21:19

• the tax part is actually right in this step, so it is better to -hello2002- ♀ (0 bytes) () 03/29/2018 postreply 15:14:01