Fidelity 网站上无法操作这种 Mega backdoor,必须打电话 800-835-5095。这个号码是 Workplace 部门,也就是管理 401k 的部门。401k 和 IRA 在 Fidelity 内部是两套人马,甚至是两套系统,401k 的 online 自助系统叫 Netbeans。打电话的时候可以要求把现有账号 Balance 交过税的部分转到 Roth 401k,或者个人的 Roth ...
向Roth IRA rollover的这一操作一般需要打电话完成,见券商是Fidelity的例子。做Mega backdoor的员工每月工资到账时向401(k)的custodian打电话指示其做一个after-tax 401(k) -> Roth IRA的rollover,在几天资金会出现在Roth IRA,推荐养成习惯记录Roth distribution table。 如何避免pre-tax money 在介绍backdoor的两...
A backdoor Roth IRA really is that simple. Which makes the rest of this post rather amazing actually. But sad experience has convinced me that this post must be written. Perhaps the biggest mistake is not doing your Roth IRA through the backdoor when your income was so high that you had...
Before becoming a journalist, Coryanne was a licensed financial professional with Fidelity Investments. She has written white papers and expert guidebooks for major investment industry players, and her work has appeared in U.S. News and World Report, Kiplinger, and Business Insider. SEE FULL BIO...
Thank you for helping us Harry. I did a backdoor conversion with Fidelity because I was anticipating to be above MAGI but that did not happen in 2022. My W-2 salary for reference is $62,000. I followed all of your steps but at the end “IRA Deduction Summary” comes out at $6000...
3) If I receive a 1099R for the automatic in-plan conversion to Roth in my 401k, this represents any earnings from the time the after-tax contributions are converted – this should be negligible since it is automatically done by Fidelity?