Contributing to an IRA can make your retirement years more comfortable, but it can also lower your tax bill for the year you contribute. To deduct your IRA contributions, you need to have a traditional IRA instead of a Roth IRA. Additional restrictions apply based on your income and whether you or your spouse are eligible for a retirement plan through work. Read on to learn the rules for deducting IRA contributions. We’ll cover when you can take the deduction, how much you can deduct, and a few other fact ...

罗斯IRA与传统IRA的对比优势 - 罗斯IRA提供免税投资收益和免税提款的好处 而传统IRA提供的是预先的税收减免[1] - 罗斯IRA不强制要求退休期间进行最低必要提款 允许资金以税收优惠方式持续增长 并便于作为遗产规划工具[2] 罗斯IRA对医疗保险成本的影响 - 医疗保险B部分和D部分通常需要缴纳月保费 而高收入者可能需缴纳与收入相关的月度调整金额[4][5] - IRMAA基于修正调整后总收入 可能使B部分月保费增加数百美元 并推高D部分成本[5][6] - 罗斯IRA的提款不计入MAGI 因此不会导致进入IRMAA范围 例如单身人士25万美元MAGI中80%若来自罗斯IRA提款 则可避免446.30美元的IRMAA[6][7] 罗斯IRA的长期财务规划价值 - 尽管传统退休账户可提供即时税收节省 但将资金存放于罗斯IRA可在退休期间带来多方面的益处[9]