backdoor， “There are no income or contribution limits ”

Backdoor Roth: A strategy for people whose income is too high to be eligible for regular Roth IRA contributions. You simply roll money from a traditional IRA to a Roth. There are no income or contribution limits — that is, anyone can convert any amount of money from a traditional to a Roth IRA. But you risk a hefty tax bill on the rollover if you have pretax money — either contributions you’ve deducted or investment earnings — sitting in any traditional IRAs, thanks to the IRS’ pro-rata rule.

所有跟帖： 

• If you have a roller over IRA account(s) -越王劍- ♂ (315 bytes) () 12/03/2023 postreply 12:57:40

• 簡單一句話就是， 當你已經seup ira， ira已經有錢了， 那就別做backdoor了 -螺絲螺帽- ♀ (588 bytes) () 12/03/2023 postreply 14:31:29

• 當收入降低的那一年再轉，因為即便那個錢算入你的income，因為相對來說你的稅表稅率會較低，需要支付的tax也會低一些 -伯克希爾哈薩維- ♂ (0 bytes) () 12/03/2023 postreply 13:49:28

• 是，退休後轉。 -bobpainting- ♀ (0 bytes) () 12/03/2023 postreply 13:51:03

• 是的，如果那一年收入降級了，或者股市虧損了，或者搬到了一個更低州稅的州，那年12月轉應該是比較好的時機 -伯克希爾哈薩維- ♂ (84 bytes) () 12/03/2023 postreply 14:00:31

• 退休和backdoor， 有關係嗎？ -螺絲螺帽- ♀ (0 bytes) () 12/03/2023 postreply 14:33:35

• 樓上說的401K轉 ROTH IRA得時間，稅率低得時候轉。與BACKDOOR沒關係。 -bobpainting- ♀ (0 bytes) () 12/03/2023 postreply 14:39:13

• 你混啦。。。401k是公司提供的。ira是投資公司提供的。我寫的平移， 就是401k去ira， -螺絲螺帽- ♀ (149 bytes) () 12/03/2023 postreply 15:05:06