Actually you can contribute ROTH IRA INDIRECTLY.

來源: R&D 於 2012-01-18 11:17:18 [] [博客] [舊帖] [給我悄悄話] 閱讀數 : (918 bytes)
回答: 回複：Let me do an estimation for you: 由 小閑 於 2012-01-18 10:17:50

Nondeductible traditional IRA -> ROTH IRA


You and your hubby can contribute 5K each year(10K for both or 12K if over 50) for nondeductible traditional IRA, then immediately convert to ROTH IRA. No extra tax paid. Why not to do it?


Starting from 2010, In order to boost the tax and revenue, government allows people convert rollover/traditional IRA to roth IRA, with immediate tax implication. Unfortunately, this also creates a huge loophole in favorite of higher income people.

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• 回複：Actually you can contribute ROTH IRA INDIRECTLY. -小閑- ♀ 給 小閑 發送悄悄話 (45 bytes) () 01/18/2012 postreply 11:49:56

• yeah we did that for the past few years. will continue doing so. -melody2010- ♀ 給 melody2010 發送悄悄話 melody2010 的博客首頁 (0 bytes) () 01/18/2012 postreply 20:33:37

• we did it for 2010, 2011 and already did 2012 as well. -melody2010- ♀ 給 melody2010 發送悄悄話 melody2010 的博客首頁 (0 bytes) () 01/18/2012 postreply 20:36:07

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