this is my understanding:

來源: 於 2012-03-28 13:33:53 [舊帖] [給我悄悄話] 本文已被閱讀：次
1. traditional IRA: You always can contribute up to $5000.00 each year but you can NOT deduct the amount due to 401k as well as your big AGI income

 

2. Roth contribution: you can contribute Roth IRA no matter what is your 401k plan, but it will reduced by your MODIFIED AGI income. so if you can and how much you can depends on your modified AGI income.