Q: “현재 40대 초반입니다. 앞으로 백도어 Roth IRA를 해야 하는데 원래 5만불이었던 traditional IRA에서 손실 때문에 3만불이 있어요. 이 IRA를 어떻게 처리하는게 현명할까요? 401k로 롤오버 할까요, 아니면 3만불에 대한 세금부담을 안고도 총액을 Roth conversion해버릴까요? 이게 손실이 아니라 원금이었어도 덜 아까웠을텐데요.” 이런 상황을 보고 진퇴양난이라고 하죠. 401k로 옮기면 IRA에 있던 주식을 옮길 수 없으니 현금화 하는 과정에서 손실을 lock in하는 꼴이 되고, Roth conversion하자니 3만불에 대한 세금부담이 작지 않구요. 이런 와중에 IRA에 투자한 종목이 떨어지지만 않았어도 아깝다는 생각을 덜 했겠지만, 상황이
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Why We Collect Your Information:
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What We Collect and Maintain:
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Information We Disclose:
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Former Clients:
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Changes to Our Privacy Policy:
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