大家講講這篇文章有道理麽？

The one aspect that often "trips people up" is the IRS requirement that you must aggregate all your IRAs to determine tax liability, Mayabb says. "You have to consider all your IRAs and where those dollars came from," she says. "If you have another IRA out there and if you originally took a tax deduction on those dollars, that will affect your tax liability on the Roth IRA."

http://www.bankrate.com/finance/retirement/drawback-one-type-roth-conversion.aspx

所有跟帖： 

• 有道理呀。 -馬嘉- ♀ (0 bytes) () 12/02/2012 postreply 12:10:57

• 那轉non-deductible ira到roth還值得嗎？ -bayworker- ♂ (0 bytes) () 12/02/2012 postreply 12:36:50

• 轉non-deductible ira到roth還值得. -laoyangdelp- ♀ (0 bytes) () 12/02/2012 postreply 13:12:49

• 您對文中rollover ira對roth繳稅問題咋看哪？ -bayworker- ♂ (0 bytes) () 12/02/2012 postreply 13:21:17

• 如果你預期退休後的稅率高的話，現在交稅還是合適的。 -易木- ♂ (0 bytes) () 12/02/2012 postreply 13:53:51

• 同意繳稅。可是依這篇文章的看法，需要交兩次，如果有deductible rollover IRA -bayworker- ♂ (23 bytes) () 12/02/2012 postreply 19:06:48

• deductible rollover IRA本來就是稅前的，轉Roth時交稅，何來兩次？ -易木- ♂ (0 bytes) () 12/02/2012 postreply 20:10:24

• 俺的理解是即使隻轉non-deductible IRA, 隻要有rollover，就要繳稅（prorated） -bayworker- ♂ (0 bytes) () 12/02/2012 postreply 20:20:08

• non-deductible IRA的contribution部分轉Roth不用繳稅，要交稅的隻是gain。 -易木- ♂ (167 bytes) () 12/02/2012 postreply 20:52:42

• 謝謝，俺也是這樣想。否則照文章講的，那美國稅法也太。。。 -bayworker- ♂ (0 bytes) () 12/02/2012 postreply 21:04:33

• 如果你沒有deductible T-IRA, 隻有 non-deductible, 隻有 growth 要交稅 -laoyangdelp- ♀ (491 bytes) () 12/02/2012 postreply 14:22:37

• 文章裏給的例子。看起來像是loophole。 -bayworker- ♂ (494 bytes) () 12/02/2012 postreply 19:04:15