我一直以为有个收入限制
然后1300-2600可以按孩子的rate交，也就是10%， 是吗？
$2600-$9000多是24%，如果家长收入高的话，还是低于家长的marginal tax. 上线是$12500的利息。
如果两个孩子，就是$5200的利息？？亏大了。
贴一个irs publication
https://www.irs.gov/publications/p929#en_US_2020_publink100066042
https://www.fool.com/taxes/2019/11/09/kiddie-tax-what-every-parent-should-know.aspx
有没有专业人士解读一下？就是我用两个孩子名义存四万，基本就是利息$2000， 免税？
放个disclaimer 我完全非税务专业，这个帖子都是根据我自己理解哈，急需专业人员回答。
"Keep in mind that investing in your child's name has other implications. Once you put money in a custodial account, you've completed a gift to your child. You can't just take the money back later on. If you do, then the IRS could allege that the whole thing was just a ploy to avoid taxes."
我前面说了，我家孩子就是一出生就在fidelity开的投资账号。 你可以联系一下他们的客服。
你开Custodial account (UGMA/UTMA)，别开youth acct
https://www.fidelity.com/building-savings/child-saving-and-investing
等孩子开始打工了，开roth ira
一直以为13岁以上才可以开。谢分享！
猜 发表于 2024-04-22 21:32
利息税up to 不要交税，去年1250，今年1300
"Keep in mind that investing in your child's name has other implications. Once you put money in a custodial account, you've completed a gift to your child. You can't just take the money back later on. If you do, then the IRS could allege that the whole thing was just a ploy to avoid taxes."
就五万，孩子一年学费都不够还用考虑拿回来。
有人解答一下，是gain的利息里面1300不用交税，还是利息税upto1300都不用交？这个差很多的，前者小几百，后者实打实的1300
前者。
利息税up to 不要交税，去年1250，今年1300
1300-2600 10%也是很低了。
到底了
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