八仙果
怎么设置backdoor IRA
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2024-11-03 14:03:59
这个我有疑问，所有401k的个人contribution是不是受23000的limit的限制，我觉的是
after tax的401k的额度是挤占了pre tax的额度
请懂行的纠正一下，如果我的理解错误的话
不受。23000是pre-tax 401K + Roth 401K。
after-tax 401K占另外的额度，如果23000都存满的话，after-tax 401K可以存69000减去23000，再减去公司的match，算下来大概三万左右
this is wrong, all 401K regardless its type is liminted to the contribution limit:
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The Internal Revenue Service announced today that the amount individuals can contribute to their 401(k) plans in 2024 has increased to $23,000, up from $22,500 for 2023.
After tax 401k contribution is not included in 23k limit.
most importantly, not every employer offers it tho
MiniCorset 发表于 2024-11-03 22:50
我又仔细查了一下，确实不在limit里
我们公司有after tax 401K，但是不能in plan conversion，所以也做不了backdoor
如果这样的话，投after tax 401K好像没有任何意义
我自己after tax投资个股，各种期权组合，回报远好于fidelity的各种fund
到底了
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