两种不同的IRA (2021/8/20 更新）
hhtt (2017-07-04 11:19:34) 评论 (2)You have to have an earned income before you can contribute to an IRA. Non earned taxable income cannot be used for this, like rental income, interest or dividend, etc.
Roth IRA:
Contribution: after tax money.
Contribution limit: $6,000 ($7,000 if you're age 50 or older) in 2021
Withdrawal: after the age of 59.5, no penalty. No tax if you follow the rules and no withdrawal limit if the Roth IRA account has been open for at least 5 years.
The IRS link for Roth IRA information:
https://www.irs.gov/retirement-plans/roth-iras
The following is rough calculation of Roth IRA contributions and returns based on S&P500 index returns.
|
Roth IRA from the beginning |
||||
|
Date |
S&P 500 Close |
Return % |
Contribution |
Cumulative Gain |
|
Dec-97 |
970 |
2,000 |
||
|
Dec-98 |
1,229 |
27% |
2,000 |
2,533 |
|
Dec-99 |
1,469 |
20% |
2,000 |
5,419 |
|
Dec-00 |
1,320 |
-10% |
2,000 |
6,666 |
|
Dec-01 |
1,148 |
-13% |
2,000 |
7,536 |
|
Dec-02 |
880 |
-23% |
3,000 |
8,074 |
|
Dec-03 |
1,112 |
26% |
3,000 |
13,996 |
|
Dec-04 |
1,212 |
9% |
3,000 |
18,524 |
|
Dec-05 |
1,248 |
3% |
4,000 |
23,200 |
|
Dec-06 |
1,418 |
14% |
4,000 |
30,905 |
|
Dec-07 |
1,468 |
4% |
4,000 |
36,137 |
|
Dec-08 |
903 |
-38% |
5,000 |
25,305 |
|
Dec-09 |
1,115 |
23% |
5,000 |
37,413 |
|
Dec-10 |
1,258 |
13% |
5,000 |
47,834 |
|
Dec-11 |
1,258 |
0% |
5,000 |
52,832 |
|
Dec-12 |
1,426 |
13% |
5,000 |
65,585 |
|
Dec-13 |
1,848 |
30% |
5,500 |
92,127 |
|
Dec-14 |
2,059 |
11% |
5,500 |
108,748 |
|
Dec-15 |
2,044 |
-1% |
5,500 |
113,418 |
|
Dec-16 |
2,239 |
10% |
5,500 |
130,256 |
|
Dec-17 |
2,674 |
19% |
5,500 |
162,120 |
Traditional IRA:
Contribution: pre-tax money.
Contribution limit: $6,000 ($7,000 if you're age 50 or older) in 2021
Withdrawal: after the age of 59.5, no penalty. Pay tax at ordinary income tax rates. There is RMD (Required Minimum Distribution) age 72 or older as of December 31, 2021,
Here is the IRS link for Traditional IRA information:
https://www.irs.gov/retirement-plans/traditional-iras
The total combined contribution to both Roth IRA and Traditional IRA will be limited to $6,000. If you are over the age of 50, you can contribute $7,000.
评论 (2)
回复 '若雨' 的评论 : Roth IRA 里面增值收益部分是不用交税的。 设立账号5年之后，而且年龄是59.5岁，取出来没有限制！如果年龄不到59.5岁，就只能取放进去的那部分。
请问Roth IRA里面增值收益部分是怎么交税的？设立账号5年之后取出来没有限制吗？还是有其他withdraw条件？谢谢，非常有用的信息。
hhtt