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A ROTH CONVERSION FORMULA

机译:罗斯转换公式

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Congress has placed some of your money on a bait pedal. Can you deftly remove it without getting trapped? I think you can. The bait is something called a Roth conversion, wherein you pay taxes on retirement savings now in return for a permanent tax shield on the portfolio. It's a scary business, since you could be injured by future tax law changes. But this is an occasion to take a calculated risk. I'll assume that you have both assets in a tax-deferred IRA or 401(k) and some spare cash outside that account. Say you have a $50,000 slice of your retirement pot that you might convert, you are in a 40% tax bracket (federal and state combined) and you have $20,000 sitting around. If you do the conversion, $50,000 gets added to your taxable income this year and you hand over the 20 grand to grateful tax collectors.
机译:国会已将您的部分资金投入了诱饵。您能巧妙地将其移除而不会被困住吗?我想你可以。诱饵称为罗斯转换,您现在要为退休储蓄缴税,以换取投资组合的永久性税盾。这是一件令人毛骨悚然的事,因为您可能会因未来税法的变更而受到伤害。但这是冒险的机会。我假设您既有资产在递延所得税的IRA或401(k)中,又在该帐户之外有一些备用现金。假设您有一笔50,000美元的退休金可转​​换,您的税率处于40%的税级(联邦和州合并),而您却有20,000美元左右。如果您进行转换,那么今年您的应税收入将增加50,000美元,然后将20名盛大的纳税人移交给感恩的收税员。

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    《Forbes》 |2013年第6期|68-68|共1页
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  • 收录信息 美国《科学引文索引》(SCI);
  • 原文格式 PDF
  • 正文语种 eng
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