Mega Backdoor Roth 完整攻略. 跟增值稅永遠說再見 !
在這一集我將會介紹怎麼存 Mega Backdoor Roth. 需要完成這個高級動作的各項條件. 教大家怎麼樣才可以存超過普通 roth IRA $6000美元的金額.
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The Mega Backdoor Roth: Your Complete Guide to Saying Goodbye to Capital Gains Taxes Forever!

If you are looking for a way to avoid paying capital gains taxes on your investments forever, the Mega Backdoor Roth is the answer. A Backdoor Roth IRA is a method for high-income earners to contribute to a Roth IRA when their income is too high to make regular contributions.

The Mega Backdoor Roth takes that one step further, allowing more contributions per year and removing the contribution limit on regular Roth IRAs. You can contribute up to $58,000 per year, and all earnings within the Roth IRA are tax-free. This means that you can say goodbye to capital gains taxes forever.

Setting up a Mega Backdoor Roth IRA is simple if you already contribute to a 401(k) at work. The first step is to check if your company allows after-tax contributions. If they do, you can contribute up to $38,500 per year, or 100% of your salary, whichever is lower.

Next, you can rollover your after-tax contributions into a Roth IRA. This is where the “mega” part of the Mega Backdoor Roth comes in. Usually, there is a $6,000 limit on Roth IRA contributions per year, but with the Mega Backdoor Roth, there is no limit. You can rollover as much as you contributed to your 401(k) after-tax.

The benefits of a Mega Backdoor Roth IRA are enormous. You will be able to contribute more than the standard Roth IRA limit, which is $6,000 per year. Additionally, a Roth IRA grows tax-free, so your investments can grow untaxed. This means that you won’t have to pay any taxes on your capital gains, even when you withdraw your earnings in retirement.

Overall, if you are a high-income earner looking for a way to avoid capital gains taxes, the Mega Backdoor Roth IRA is a great option. With the potential to contribute up to $58,000 per year and avoid capital gains taxes forever, it is an excellent way to save for retirement. Setting it up is also fairly simple, as long as your employer offers after-tax contributions. So, take advantage of this opportunity and maximize your retirement savings!