我觉得没错， 你ira是tax deferred, 就是没收税， 你convert到roth ira, roth ira是税后的，这个5500是应该收税的，所以8606 的15项是5500， 只收了你一次税啊。

yshe 发表于 4/15/2016 1:29:56 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71417868#71417868]

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Let's suppose that you're 30 years old, you don't have any traditional IRA accounts, you make a maximum contribution of $5,500 to a traditional IRA, you're covered by a retirement plan at work, and your MAGI exceeds the level for receiving a deduction for your contribution. After your nondeductible traditional IRA contribution has been credited to your account, you can immediately do a Roth IRA conversion. Since there are no earnings, 100% of your conversion will be nontaxable. This is referred to as a backdoor Roth IRA conversion. ========== Don't forget about other traditional IRA accounts Let's assume in our previous example that you have another traditional IRA account that was rolled over from a 401(k) plan with a value of $100,000. Would 100% of your backdoor Roth IRA conversion still be nontaxable? The nontaxable amount of your Roth IRA conversion would be equal to your conversion of $5,500 multiplied by a fraction equal to your nondeductible contribution of $5,500 divided by the total value of all of your traditional IRA accounts of $105,500, or 5,500 x $5,500/$105,500, or $287. This results in a taxable amount of $5,213 ($5,500 - $287), or 95% of your conversion amount. Quite a different result compared with the situation where you had no other traditional IRA accounts. The backdoor Roth IRA conversion is a great strategy for transferring a nondeductible tax-deferred IRA contribution into a tax-free situation provided that (a) you have no other traditional IRA funds, or (b) the value of your other IRA's is less than or equal to the basis in your IRA accounts. yshe 发表于 4/15/2016 1:51:00 下午 [url=http://forums.huaren.us/showtopic.aspx?topicid=71418111&postid=71418111#71418111]

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my financial adviser commented that CPAs usually don't know about back door IRA. But what can LZ do now?
Caprisunny 发表于 4/15/2016 2:30:35 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71418737#71418737]

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回复 [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71418964#71418964]30楼fucka的帖子[/url]

义务的？
这种事情还是不要做，那么多人的social都给你知道了...
blueclue 发表于 4/15/2016 3:01:30 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71419239#71419239]

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是的，这也是我想问楼主的问题，楼主有没有其他IRA Account？我自己因为有几万的前公司401K，不愿意按比例交税，若干年来一直没有走BackDoor Roth的路子


ashrimp 发表于 4/15/2016 2:31:00 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=2000515&postid=71418741#71418741]

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