Home Forums Tax 401k와 IRA 질문 401k와 IRA 질문 Name * Password * Email 회사에서 401k를 제공하는 경우에도 따로 IRA를 납입하는 것은 가능합니다 다만 인컴에 따라 IRA 납입에 의한 세금 공제가 제한됩니다. https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras Can I contribute to a traditional or Roth IRA if I'm covered by a retirement plan at work? Yes, you can contribute to a traditional and/or Roth IRA even if you participate in an employer-sponsored retirement plan (including a SEP or SIMPLE IRA plan). See the discussion of IRA contribution limits. If you or your spouse is covered by an employer-sponsored retirement plan and your income exceeds certain levels, you may not be able to deduct your entire contribution. See the discussion of IRA deduction limits. Income thresholds for 2025 Single taxpayers: Phase-out range is between $79,000 and $89,000 Married couples filing jointly: Phase-out range is between $126,000 and $146,000 Married individuals filing a separate return: Phase-out range is between $0 and $10,000 401k를 최대 $23500을 납입했다면 위에 언급된 인컴수준에 따라 IRA를 추가 납입할 수 있지만 인컴이 넘는다면 혜택이 줄거나 받지 못하므로 Backdoor ROTH를 고려하셔야 합니다. pnaconnect@pna-cpa.com I agree to the terms of service Comment
