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标  题: 貌似这个后门Roth IRA真是有好处的，大牛看看我理解的对不对

发信人: waiting140 (等待140), 信区: Investment
标  题: 貌似这个后门Roth IRA真是有好处的，大牛看看我理解的对不对
发信站: BBS 未名空间站 (Fri May  1 00:14:21 2015, 美东)

我以前对IRA的了解仅限于：
1.有Traditional和Roth两种，前者是税前存进去，老了取出时交税，类似401k, 后者
税后存进去，老了取出时就不交税
2.两者加在一起每年能存大概5000块吧，限额会逐年上调一些
3.存Roth得收入低于一定的数目，存Traditional本身不受收入限制，但有401k的人想
在税前存进
去以享受Tax defer,还是有收入限制，超过线的话，只能税后存。

限于这几点了解，我误以为IRA对自己没有任何意义了，毕竟自己的收入虽不算高，但
还是过了那几条线了（没有任何show-off的意思，毕竟这里辛勤工作的老中，多半都能
过线吧.)，这样Roth存不了，Traditional存了也不能避税，要它干吗？

今天偶然地了解到还有这么一个Trick，就是可以把Traditional转成Roth, 而Roth有一
个奇妙的好处，就是不仅因为本金存入时已是税后的于是取出时天经地义不该交税，而
且增值的部分居然在满足若干条件（好象是满5年，且59岁半吧）的情况下，取出也不
交税。

这样一来就有这个“空子”可钻了，也就是Backdoor Roth IRA。对收入超线的人来说
，虽然不能直接存Roth,但可以在税后存Traditional, 随后再把它转成Roth, 转的时候
反正是税后转税后，不用补税（除了短暂的Tranditional阶段里的少量增值部分），随
后就可以享受Roth的增值免税待遇了。

可别小看这个增值免税，因为这玩意是指数增长的。哪怕税率就只是15%，年回报率算
它7%吧，n年后Roth里面是本金的 1.07^n倍, 而不用Roth, 纯粹的非退休金投资账户是
1.0595^n倍。

我的理解对吗？如果是，我这就开这个“后门”去。

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