公司的401K都是税前的，难道转到IRA不用交税？
美帝401k的统计
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beijingren3
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#26 Re: 美帝401k的统计
叔记得有个表，
1. 如果把前10名高收入除去，Average 401k减少1/4，
2. 如果把前100名高收入除去，Average 401k减少1/2，
2. 如果把前1000名高收入除去，Average 401k减少3/4，
1. 如果把前10名高收入除去，Average 401k减少1/4，
2. 如果把前100名高收入除去，Average 401k减少1/2，
2. 如果把前1000名高收入除去，Average 401k减少3/4，
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flyingbeast
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flyingbeast
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lonelyarcher
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flyingbeast
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#34 Re: 美帝401k的统计
chatgpt answer,
Is IRA rollover subject to IRA tax exempt limit?
An IRA rollover is not subject to the annual IRA contribution limit. This means you can roll over any amount from one eligible retirement account to another without affecting your annual contribution cap. However, it's essential to adhere to specific IRS rules to maintain the tax-advantaged status of your retirement funds.
Key Points:
Annual Contribution Limits: For 2024, the maximum contribution to a traditional or Roth IRA is $7,000 for individuals under 50, and $8,000 for those 50 or older. These limits apply to new contributions and are separate from rollovers.
IRA Rollovers: A rollover involves transferring funds from one retirement account to another, such as from a 401(k) to an IRA. There is no limit on the amount you can roll over, and such transfers do not count toward your annual contribution limit.
FOOL
60-Day Rule: If you receive a distribution from your IRA or retirement plan, you have 60 days to roll it over to another eligible retirement account to avoid taxes and potential penalties. Missing this deadline can result in the distribution being treated as taxable income.
IRS
One-Rollover-Per-Year Rule: You can only make one tax-free rollover between IRAs within a 12-month period. This rule applies to indirect rollovers where you take possession of the funds before depositing them into another IRA. Direct trustee-to-trustee transfers are not subject to this limitation.
IRS
By following these guidelines, you can effectively manage your retirement funds without impacting your annual IRA contribution limits.
Is IRA rollover subject to IRA tax exempt limit?
An IRA rollover is not subject to the annual IRA contribution limit. This means you can roll over any amount from one eligible retirement account to another without affecting your annual contribution cap. However, it's essential to adhere to specific IRS rules to maintain the tax-advantaged status of your retirement funds.
Key Points:
Annual Contribution Limits: For 2024, the maximum contribution to a traditional or Roth IRA is $7,000 for individuals under 50, and $8,000 for those 50 or older. These limits apply to new contributions and are separate from rollovers.
IRA Rollovers: A rollover involves transferring funds from one retirement account to another, such as from a 401(k) to an IRA. There is no limit on the amount you can roll over, and such transfers do not count toward your annual contribution limit.
FOOL
60-Day Rule: If you receive a distribution from your IRA or retirement plan, you have 60 days to roll it over to another eligible retirement account to avoid taxes and potential penalties. Missing this deadline can result in the distribution being treated as taxable income.
IRS
One-Rollover-Per-Year Rule: You can only make one tax-free rollover between IRAs within a 12-month period. This rule applies to indirect rollovers where you take possession of the funds before depositing them into another IRA. Direct trustee-to-trustee transfers are not subject to this limitation.
IRS
By following these guidelines, you can effectively manage your retirement funds without impacting your annual IRA contribution limits.
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fangkuuaih
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flyingbeast
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#37 Re: 美帝401k的统计
转进ROTH IRA的钱必须是税后的
如果是从税前账户搞进去的会产生penalty
超过收入阈值不能直接放ROTH IRA的需要先放入IRA再走backdoor,但那钱没有税务好处也是税后的
我看是你没搞清楚，如果你不是这么搞的，现在税务上还没有麻烦
恭喜，等到IRS找你麻烦的时候，我看你还能把账理清没有，别问我怎么知道的
如果是从税前账户搞进去的会产生penalty
超过收入阈值不能直接放ROTH IRA的需要先放入IRA再走backdoor,但那钱没有税务好处也是税后的
我看是你没搞清楚，如果你不是这么搞的，现在税务上还没有麻烦
恭喜，等到IRS找你麻烦的时候，我看你还能把账理清没有，别问我怎么知道的
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_notalandlord（少量土地出租）
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#38 Re: 美帝401k的统计
就是整个搬过去，就是换个地方存放。比如你用支票的方式将401K从ADP搬到fidelity，资金到账有期限限制。好像是30天。超过了估计就会罚。
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_notalandlord（少量土地出租）
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haiwaihuaren
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#40 Re: 美帝401k的统计
子孙后代都可以享用datada 写了： 2024年 11月 8日 13:46 的确。华人移民美国后，由于人生地不熟，没有家庭网络等社会资源，都是超需求地存钱买房。其实年老后，基本都用不完。但是钱和资产会让移民有安全感。