走后门的ROTH IRA (Backdoor Roth IRA Conversion)

问个问题，如果已经有traditional IRA（比如跳槽时候，从老公司traditional 401K里Rollover过来的），那么在做backdoor的话，是不是按比例来convert to Roth IRA，也即是说如果本身401k过来的钱占大头的话，转到Roth IRA里的钱也是从401过来的占大头，等于大部分要交税。
那么问题来了，我们跳槽时候应该选择把401rollover到新401/Traditional IRA/Roth IRA?

貌似如果rollover到traditional IRA会影响未来backdoor？

的确，如果rollover到traditional IRA会影响未来backdoor

感謝樓主的分享,我也是看了地裡的文章,在Charles Schwab開了Traditional IRA與Roth IRA,前天把6000轉入Traditional IRA, 今天終於入帳,
在我打算把整筆6000元convert進我的Roth帳戶時看到他的注意事項,裡面關於withhold tax的部分不是很清楚,他這樣寫:

What are the tax consequences of converting?
Like other distributions from Traditional IRAs, the amount that you distribute to convert to a Roth IRA is subject to federal, and possibly state, income tax for the year in which the conversion is completed. The IRS requires Schwab to withhold 10% from your conversion distribution unless you elect not to have income taxes withheld—this is the reason that you’ll see a Tax Withholding Election section, where, if you choose you can elect not to have Schwab withhold any taxes from your distribution. However, something you will want to consider is what other funds you have available to pay the taxes for your distribution at tax time.

IMPORTANT: Prior to making a decision to withhold taxes from your conversion, we strongly recommend that you consult with your tax advisor first. If you choose to have taxes withheld, the amount withheld will be sent to the IRS. This may result in the withholding amount being treated as a distribution from your Traditional IRA and not considered part of your conversion. As a result, if you are under age 59½, you may be subject to a 10% federal early withdrawal penalty tax (and possibly state) on the tax withholding amount.

Example: A request to convert $10,000 with 10% withholding means that $1,000 ($10,000 X 10%), will be forwarded to the IRS and $9,000 ($10,000–$1,000) will transfer to the Roth IRA. You will pay taxes on $10,000 plus, if under age 59½, an additional 10% penalty ($100) on the $1,000 may apply because this amount was not transferred to the Roth IRA.(https://client.schwab.com/secure/cc/nn/m/roth_ira_info.html)

請問這樣的意思是如果我讓他withhold 10% = 600元的話,我必須要支付60元的罰款嗎?(等於我在59.5歲以前從Trad. IRA提領了600元出來的意思) 所以在從Trad. IRA轉到Roth IRA的過程中,通常都選擇不要withhold tax,整筆6000完整的轉過去嗎? 沒有withhold的話,在報稅的時候有甚麼不同的地方需要注意的呢? 先感謝您的幫忙啦~

请问一下是不是没有从第一份工作离职就开不了IRA呢？

mark～～～～～～～～～～～～～～·

ckwangt 发表于 2019-10-29 01:03
感謝樓主的分享,我也是看了地裡的文章,在Charles Schwab開了Traditional IRA與Roth IRA,前天把6000轉入Trad ...

我们这里讨论的是“BACKDOOR ROTH IRA", 就是你先存的是after TAX 的钱，开的户不是REGULAR IRA, 是NON-DEDUCTIBLE IRA, 只要你开户后马上转入ROTH IRA ( 中间没有产生任何 INCOME), 就没有TAX WITHHOLDING, 交税不交税的问题。
CHARLES SCHWAB 的注意事项 是针对 TRADITIONAL IRA ( TAX DEDUCTIBLE ) ACCOUNT 来说的， 当它CONVERT TO ROTH, 当年是一定要算在INCOME 里，所以IRS 会要求BROKERAGE withhold TAX. 但这种情况下， 一般操作是选择坚决不withholding ANY TAX, 年底时把 这部分 转入Roth IRA 的钱 算在INCOME 里交税。 我最近会在我的答疑专栏贴一下 这个报税FORM， 供大家参考。

顾菡 发表于 2019-11-7 10:27
我们这里讨论的是“BACKDOOR ROTH IRA", 就是你先存的是after TAX 的钱，开的户不是REGULAR IRA, 是NON-D ...

感謝您的回覆,
剛剛回去看Schwab的IRA開戶網頁,只有分Roth IRA與Traditional IRA兩種,沒有特別區分"deductable"與"non-deductable",所以就是開Traditional IRA,存完年度上限6000之後馬上conversion到Roth IRA,並選擇不要tax withhold,明年報稅的時候另外填寫Form 8606,不知道這樣是否正確呢?

ckwangt 发表于 2019-11-7 00:52
感謝您的回覆,
剛剛回去看Schwab的IRA開戶網頁,只有分Roth IRA與Traditional IRA兩種,沒有特別區分"dedu ...

正确。 对brokerage 公司来说，报税是个人的责任，它没有必要把IRA ACCOUNT 分成deductible 或是NON-deductible

ryd994 发表于 2019-10-4 08:28
本金随时可取，没有税没有罚

earning要求5 yr since open AND 退休年龄

真的吗，那这个没有意义啊，本来就是冲着Eerning Free Tax投的，现在Earning要60岁才能取

wjw779 发表于 2019-11-11 11:42
真的吗，那这个没有意义啊，本来就是冲着Eerning Free Tax投的，现在Earning要60岁才能取

不然呢？人生两件事不可能逃避，死亡和税