因为不能直接存roth,想在4/15之前从savings转6000进traditional,然后再转到roth。我知道traditional是pre tax,转6000从savings是可以抵税,但是roth是post tax, 所以traditional 到 roth算收入,那么这样是不是互相抵消了?我也不用在今年报税(2023)的时候claim什么东西了?还是需要写清楚?
谢谢大家!
请教大家一个back door的问题
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#3 Re: 请教大家一个back door的问题
1. You cannot claim deduction on the $6000 you put in traditional IRA, all has to be after-tax money,
2. You do not have other traditional IRA , SEP IRA accounts with money in it
Then you can convert Tradition IRA to Roth IRA without paying tax since it is already 100% after-tax money,
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#4 Re: 请教大家一个back door的问题
谢谢回复!没有任何的ira以前!willhung 写了: ↑3月 24, 2024, 8:49 pm 1. You cannot claim deduction on the $6000 you put in traditional IRA, all has to be after-tax money,
2. You do not have other traditional IRA , SEP IRA accounts with money in it
Then you can convert Tradition IRA to Roth IRA without paying tax since it is already 100% after-tax money,
我不是要claim deduction 那6000,我是说这一来一回正好抵消了,是不是就不会产生税的问题(我知道traditional to roth要尽可能的快,否则会有税务问题)!
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#5 Re: 请教大家一个back door的问题
没有什么税务问题,比如你隔了一个星期convert,利息多了10块钱,你就交这10块钱的税,3块钱