{ "media_type": "text", "post_content": "I am new to the country and I do not understand what I can do with my IRA. Is there a way to maximize the gains with it? Can I have a Roth IRA if we have a income as 300k a year between me and my wife? What should I do with that?", "post_id": "5f6100c342112c00289ce064", "reply_count": 4, "vote_count": 3, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting", "feed_type": "crowd" }

I am new to the country and I do not understand what I can do with my IRA. Is there a way to maximize the gains with it? Can I have a Roth IRA if we have a income as 300k a year between me and my wife? What should I do with that?

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I think the cutoff for Roth is early 100k, so probably not that (google is your friend). Get a financial advisor or something, maybe pwc has internal resources to help you learn too? I wouldn’t listen to randoms on here though lol

Roth IRA has a modified adjusted gross income limit. After that limit, there is a graduated scale until you reach the true MAGI threshold where you can no longer contribute. However, you can still back into a Roth IRA by contributing to a TIRA and converting it to a Roth (i.e., backdoor Roth IRA)

You can trade as much as you want and pay no taxes.

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