神啊，1200是人民币么？我们这里唐人街的明码标价，w2 only 120，多一张1099int，div等不同的表格多20~30不等，最后打5折，每年保税费用不超过200啊 woodheadme 发表于 4/15/2016 12:54:00 下午 [url=http://forums.huaren.us/showtopic.aspx?topicid=71417434&postid=71417434#71417434]

[/url]

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]

[/url]