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401(k), IRA, Roth IRAにかかる税金について
- #1
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- アイラちゃん
- 2006/04/17 01:11
IRAについて、質問があります。
以前働いていた会社で積み立てていた401(k)を、最近Traditional IRAにロールオーバーしました。額にして20,000ドルほどです。
これは、このままTraditional IRAにしておいたほうがいいのでしょうか?それとも、ここから、ロールオーバーしてRothに入れたほうがよいのでしょうか?
Rothにした場合来年の4月にかなりのTAXを払うことになるとは思いますが〔一体何パーセントくらいになるのでしょうか???〕、将来金利が付いた額からTAXをとられるよりも、今払っちゃったほうがお得なのかな?と思ったしだいです。
どなたか、詳しい方おしえてくださいませんか?
もしくは、こういった質問はどこの誰にしたら答えてもらえてもらえるのかご存知の方いらっしゃいますか?
RothIRAのアカウントをもっている、Brokage Farmの方に聞いたら、税金を今払ってRothにしたほうがいいけど、税率については、Accountantに聞け、といわれたので、TAXを手伝っていただいているAccountantの方にきいたら、“そんなことできない”といわれてしまいました。。。
ちなみにRothには、2005年度分、FullのContributionをしてあります。Traditionalのほうは、現在7000ドルほど入っています。
- #3
-
結構悩む問題ですよね。
アイラさんの年齢、年収、税率が分かりませんので詳しくは言えませんが、20,000をコンバートするとなると、やはり数千ドルの税金がかかることになります。
私なら、その税金を払ってまで無理にコンバートするようなことは勧めません。
老後にかかる税金も、口座に入っている全額にかかるのではなく、その年に引き出した額が収入とみなされて課税されるのですから、引き出す額をコントロールすれば、ある程度税金を抑えることも出来ます。
既にRothを持ってらっしゃるのであれば、これからの分をそちらに入れてTraditionalはそのままキープと言うのがいいと思います。
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