问两个traditional IRA 转 roth IRA的问题 （backdoor IRA）

我看的是如果我自己的traditional IRA已经有tax deferred 的钱了， 必须根据pro-rata 规则来做conversion。那请问我如果先将这部分钱转出去（比如转到我现在的401k），之后可以做backdoor IRA吗？

另外我看的操作backdoor IRA是先开一个traditional IRA， 然后存钱，第二天转成roth IRA。如果我准备每年都做bakckup doorIRA，难道我每年都要这样来一次吗?先开一个traditional IRA，然后再转成roth IRA？
还是说我保留一个traditional IRA和一个roth IRA。 traditional 里面没有钱，然后每年存$5000入traditianal ira，第二天转到roth IRA这样？

多谢专业人士回答。
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加一个问题。如果想将traditional IRA里面的钱转成roth IRA，是不是丢工作了转比较划算？因为这样当年的收入大幅度下降，转钱的话税率低。

可以转去401k，这是常见的应对prorata的办法。

traditional和Roth各开一个。你只能转钱，不能把账户类型改掉。

https://www.useorigin.com/readin ... -to-roth-conversion

How do I do it?

Before you begin the process, please reach out to your Origin Planner for additional help in determining if this strategy is appropriate for you. If you’re ready to move forward with implementing this strategy, however, we’ve detailed the steps below.

Although it may look like a complicated process, this strategy is relatively simple; however, it’s important to do this in the correct order.

    Open a Traditional IRA and a Roth IRA account. You can open these accounts at Charles Schwab, Fidelity, or Vanguard for example. For simplicity, we recommend you keep your Traditional IRA and Roth IRA at the same institution.
    Make a contribution to your Traditional IRA account up to the current year's limit (Click here to see current contribution limits as set by the IRS).
    Contact the custodian of the Traditional IRA and ask them to send you any paperwork required to move the money from your Traditional IRA to the new Roth IRA. To ensure you are properly documenting the move you should make sure to select the same trustee transfer to ensure the funds move directly from your Traditional IRA to your new Roth IRA.
    Notify your tax preparer that this is a non-deductible IRA contribution.

It’s important to note that you may want to do this annually and each time you would repeat steps 2-4 above. The deadline for making your annual contribution is the tax filing deadline for that year (i.e. for 2020 the contribution must be made by April 15th, 2021).

ryd994 发表于 2020-8-13 04:57
可以转去401k，这是常见的应对prorata的办法。

traditional和Roth各开一个。你只能转钱，不能把账户类型 ...

问大佬个问题哈，为了绕开pro rata, 打算把traditional IRA转到401k里面。如果现在转，今年就可以绕开pro rata吗？还是得等一年？

ALONSO 发表于 2020-11-16 12:27
问大佬个问题哈，为了绕开pro rata, 打算把traditional IRA转到401k里面。如果现在转，今年就可以绕开pro ...

不需要。保证年底时IRA里没有钱，就不计算pro rata

你可以先做backdoor Roth。然后剩下的全部转去401k