Roth IRA确实有不少好处。但我们是否能把钱投放进去Roth IRA里面，是会受到一些收入限制的。如果个人收入超过14万，或夫妻收入超过20万8的话，那就完全不能投放Roth IRA了。这样看起来，像是IRS要把这个Roth IRA的好处留给普通收入的人群和家庭啊。

但美国税法在这方面奇怪的是， 虽然他们会约束高收入的人直接投放Roth IRA，但是他们并没有约束这些人投放传统IRA，然后把他们的传统IRA装换，convert成为Roth IRA。也就是说呢，在程序和文件上面多走一两步，最后还是可以达到投放满额Roth IRA的。所以这种办法就被称为Backdoor Roth IRA。也就是说，就算收入超了前面提到的限度，还是可以通过走后门的办法投放满额的Roth IRA。

那这个Backdoor Roth IRA的操作其实很简单，用三个步骤就可搞定：

第一步：就是要确认自己已经有一个传统IRA账户和一个Roth IRA账户。 如果没有的话，我们可以在银行或证券公司这些地方把账户开了。

第二步：就是把钱投放在传统IRA账户里面。这一点，相信对于已经有IRA的朋友并不陌生，也就是把钱从一个银行账户，像checking或者是saving，转进去传统IRA 账户里面。

第三步：就是把传统IRA里面的钱，到账以后，立即转到Roth IRA账户里面。而这一步呢，大部分时候就好像从一个银行账户转到另一个账户那么简单，尤其是在网上操作的话。而这里强调这个钱到账以后要立即转放的原因呢就是为了避免投放的钱产生收益，然后产生要交的税。…(read more)

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Backdoor Roth IRA: What is it and How to Easily Invest in 3 Steps

Roth IRA is a popular retirement savings account that allows individuals to make after-tax contributions, and the earnings grow tax-free. However, not everyone is eligible to contribute to a Roth IRA due to the income limits. For 2021, the Roth IRA contribution limit is $6,000 for individuals or $7,000 for those aged 50 and over.

But what if you exceed the income limit and still want to take advantage of the tax-free growth potential of Roth IRA? This is where the Backdoor Roth IRA comes in.

What is a Backdoor Roth IRA?

A Backdoor Roth IRA is a strategy that allows individuals to contribute to a Roth IRA, even if their income exceeds the IRS limits for direct Roth contributions. Essentially, it involves making nondeductible contributions to a traditional IRA, and then converting those contributions to a Roth IRA.

Here is a simple 3-step process for investing in a Backdoor Roth IRA:

Step 1: Make a Nondeductible Contribution to a Traditional IRA

First, you need to make a nondeductible contribution to a traditional IRA. This means that you won’t be able to take a tax deduction for your contribution. You can contribute up to $6,000 (or $7,000 if you’re age 50 or older) to a traditional IRA for 2021. Be sure to keep records of your nondeductible contribution since you’ll need them for tax reporting purposes.

Step 2: Convert Your Traditional IRA to a Roth IRA

The next step is to convert your traditional IRA to a Roth IRA. You can do this by contacting your retirement account provider and requesting a Roth conversion. Keep in mind that you’ll owe taxes on the amount you convert, but since you made a nondeductible contribution, the only taxes due will be on any investment growth that occurred between the time you made your contribution and the time you made your conversion.

Step 3: Complete Your Tax Reporting

Finally, it’s important to report your Backdoor Roth IRA on your tax return. When you convert your traditional IRA to a Roth IRA, you’ll receive a 1099-R form, which you must report on your tax return. Be sure to fill out Form 8606 to report your nondeductible contribution to the traditional IRA.

In conclusion, a Backdoor Roth IRA is a strategy that can help high-income earners take advantage of the tax-free growth potential of a Roth IRA. By following the simple 3-step process outlined above, individuals can make nondeductible contributions to a traditional IRA and then convert those contributions to a Roth IRA. It’s important to note that Backdoor Roth IRA isn’t for everyone, so it’s best to consult a tax professional before making any decisions on your retirement account.