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A Roth conversion refers to taking all or part of the balance of an existing traditional IRA and moving it into a Roth IRA.

2 votes
1 answer
136 views

Can I legally play this shell-game with the IRS by using “Recharacterization” or “Conversion...

Let's assume you contribute a certain deductible amount to your IRA on Jan/2, and invest it there. You really want the money in your IRA Roth at the end of the year, but you try to pick the best appro …
0 votes
0 answers
67 views

IRA to IRA Roth "Recharacterization" vs "Conversion", is there a difference in result?

Let's assume this simplified case: At the beginning of 2020, there is no money in my IRA. I contribute the maximum amount allowed (for me 7k$, because I'm old) from after-tax money, and next day conv …
3 votes
1 answer
141 views

Does 'Taxable Income' from a Roth conversion count as income source for IRA contribution?

Let's assume Jane is retired, and has no income from employment. She still would like to contribute to her IRA [or Roth IRA], but this is not allowed from capital gains or dividend income. Now Jane do …
2 votes
1 answer
76 views

Will the Non-Deductible Basis be considered for a Backdoor-Rollover even if it originates af...

Trying to file taxes, I stumbled over a strange behavior of the software, and now I am wondering if this is actually the IRS regulation or just a bug. Assume this situation: On Jan/1 of 2016, X. ha …
0 votes
2 answers
142 views

How long can I convert 401(k) to Roth 401(k)?

I understand that (simplified) 401(k) is pre-tax money, and Roth 401(k) is post-tax money. That means moving money from the former to the latter, I have to pay taxes on it, and those taxes might need …