如果买了IRA后回国了。59.5岁时能在国内要回这笔钱吗？-第1页

hu_jingli

0操作1 ^#

如果买了IRA后回国了。59.5岁时能在国内要回这笔钱吗？

怎默算税率呢？

I mean traditional IRA.

Because as they said that will depends on the gross income you get in that year from US. If I will live in China which means I have no gross income in US. The rate for getting out my IRA or 401k is 0%??

hu_jingli

0操作2 ^#

because I decided to buy Roth IRA before. my situation is like, I just started to work in US from July 2004. This year is the first year I fill tax return. I thought I should get refund but I found out I even own them over $300!! So I think maybe I need to change my decision from Roth IRA to traditional IRA so that I can get more tax deductable. The problem is I know the tax rate of me for 2004 is very low(a little over 11%) since the gross income is low. I don't know whether I buy IRA is good idea since I should pay tax when I take that money out when I am 59.5 years old. If that rate is higher than the rate I have now maybe I should not consider traditional IRA. Do you have some suggestions?

hu_jingli

0操作3 ^#

I have 403(b) but no match!!! after deduct my 403(b), my state income tax and other little money. I still owe them!! I always doubt I wrongly fill my form.

Anyway, Thank you very much for your reply.

hu_jingli

0操作4 ^#

buying a house!! that is too far away for me.

Hai... I thought maybe there has someway I can avoid to pay $300. seems I have to. My salary is already very low I am so unhappy even just thinking I need to pay that money.

Thanks for your answering me so quickly.

hu_jingli

0操作5 ^#

I was in my OPT last year but I don't have that $5000 deductable since I changed my status from F2->F1 before.

hu_jingli

0操作6 ^#

I couldn't find some publication says that F2->F1 don't have that $5000 but my friends similiar as me, changed F2->F1->OPT->H1B told me that. So I belive so.