6.You can sell stocks in your account without worrying about taxes
7.You can transfer money to your heirs tax-efficiently
roth 401k not subject to RMD ie not part of prorata rule - "Roths can be left intact for heirs, who don’t have to pay tax on the money either, although they must drain the account within 10 years."
Comments:
The amount you put into any 401(k) or IRA is still subject to SS and Medicare taxes. -- Check
"Roth withdrawals in retirement are not counted as taxable income, so if you are shopping the marketplace for medical insurance, managing your Roth withdrawals appropriately can get you either discounted rates or FREE medical/dental/eye insurance. Potentially a huge benefit" - Tony P
"The other factor that should be taken into consideration is the fact you may end up in a nursing home or need home care which means that you can not take care of yourself and any payment toward your care is tax deductible.
Basically, if you have money in a traditional IRA or 401K you won't pay taxes on the distributions if your cost of care equals or exceeds your distributions and other income.
Consequently you may want to take your Roth distributions first if you need more cash beyond your social security, pension and taxable minimum distributions before you get in that condition." -- Mike M
"If you’re considering doing Roth conversions, consider doing so by age 63 at the latest." - James W
"Except Roth distributions, while not taxed, are still reported on the FAFSA"
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