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Nj 1040 nr Publication 590 - Introductory Material Table of Contents What's New for 2013 What's New for 2014 Reminders IntroductionOrdering forms and publications. Nj 1040 nr Tax questions. Nj 1040 nr Useful Items - You may want to see: Note. Nj 1040 nr After 2013, Publication 590 will be split into two separate publications as follows. Nj 1040 nr Publication 590-A, will focus on contributions to traditional IRAs as well as Roth IRAs. Nj 1040 nr This publication will include the rules for rollover and conversion contributions. Nj 1040 nr Publication 590-B, will focus on distributions from traditional IRAs as well as Roth IRAs. Nj 1040 nr This publication will include the rules for required minimum distributions and IRA beneficiaries. Nj 1040 nr What's New for 2013 Traditional IRA contribution and deduction limit. Nj 1040 nr  The contribution limit to your traditional IRA for 2013 will be increased to the smaller of the following amounts: $5,500, or Your taxable compensation for the year. Nj 1040 nr If you were age 50 or older before 2014, the most that can be contributed to your traditional IRA for 2013 will be the smaller of the following amounts: $6,500, or Your taxable compensation for the year. Nj 1040 nr For more information, see How Much Can Be Contributed? in chapter 1. Nj 1040 nr Roth IRA contribution limit. Nj 1040 nr  If contributions on your behalf are made only to Roth IRAs, your contribution limit for 2013 will generally be the lesser of: $5,500, or Your taxable compensation for the year. Nj 1040 nr If you were age 50 or older before 2014 and contributions on your behalf were made only to Roth IRAs, your contribution limit for 2013 will generally be the lesser of: $6,500, or Your taxable compensation for the year. Nj 1040 nr However, if your modified adjusted gross income (AGI) is above a certain amount, your contribution limit may be reduced. Nj 1040 nr For more information, see How Much Can Be Contributed? under Can You Contribute to a Roth IRA? in chapter 2. Nj 1040 nr Modified AGI limit for traditional IRA contributions increased. Nj 1040 nr  For 2013, if you were covered by a retirement plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is: More than $95,000 but less than $115,000 for a married couple filing a joint return or a qualifying widow(er), More than $59,000 but less than $69,000 for a single individual or head of household, or Less than $10,000 for a married individual filing a separate return. Nj 1040 nr If you either lived with your spouse or file a joint return, and your spouse was covered by a retirement plan at work, but you were not, your deduction is phased out if your modified AGI is more than $178,000 but less than $188,000. Nj 1040 nr If your modified AGI is $188,000 or more, you cannot take a deduction for contributions to a traditional IRA. Nj 1040 nr See How Much Can You Deduct? in chapter 1. Nj 1040 nr Modified AGI limit for Roth IRA contributions increased. Nj 1040 nr  For 2013, your Roth IRA contribution limit is reduced (phased out) in the following situations. Nj 1040 nr Your filing status is married filing jointly or qualifying widow(er) and your modified AGI is at least $178,000. Nj 1040 nr You cannot make a Roth IRA contribution if your modified AGI is $188,000 or more. Nj 1040 nr Your filing status is single, head of household, or married filing separately and you did not live with your spouse at any time in 2013 and your modified AGI is at least $112,000. Nj 1040 nr You cannot make a Roth IRA contribution if your modified AGI is $127,000 or more. Nj 1040 nr Your filing status is married filing separately, you lived with your spouse at any time during the year, and your modified AGI is more than -0-. Nj 1040 nr You cannot make a Roth IRA contribution if your modified AGI is $10,000 or more. Nj 1040 nr See Can You Contribute to a Roth IRA? in chapter 2. Nj 1040 nr Net Investment Income Tax. Nj 1040 nr  For purposes of the Net Investment Income Tax (NIIT), net investment income does not include distributions from a qualified retirement plan (for example, 401(a), 403(a), 403(b), 457(b) plans, and IRAs). Nj 1040 nr However, these distributions are taken into account when determining the modified adjusted gross income threshold. Nj 1040 nr Distributions from a nonqualified retirement plan are included in net investment income. Nj 1040 nr See Form 8960, Net Investment Income Tax—Individuals, Estates, and Trusts, and its instructions for more information. Nj 1040 nr Kay Bailey Hutchison Spousal IRA. Nj 1040 nr . Nj 1040 nr  In 2013, spousal IRAs were renamed to Kay Bailey Hutchison Spousal IRAs. Nj 1040 nr There are no changes to the rules regarding these IRAs. Nj 1040 nr See Kay Bailey Hutchison Spousal IRA Limit in chapter 1 for more information. Nj 1040 nr What's New for 2014 Modified AGI limit for traditional IRA contributions increased. Nj 1040 nr  For 2014, if you are covered by a retirement plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is: More than $96,000 but less than $116,000 for a married couple filing a joint return or a qualifying widow(er), More than $60,000 but less than $70,000 for a single individual or head of household, or Less than $10,000 for a married individual filing a separate return. Nj 1040 nr If you either live with your spouse or file a joint return, and your spouse is covered by a retirement plan at work, but you are not, your deduction is phased out if your modified AGI is more than $181,000 but less than $191,000. Nj 1040 nr If your modified AGI is $191,000 or more, you cannot take a deduction for contributions to a traditional IRA. Nj 1040 nr Modified AGI limit for Roth IRA contributions increased. Nj 1040 nr  For 2014, your Roth IRA contribution limit is reduced (phased out) in the following situations. Nj 1040 nr Your filing status is married filing jointly or qualifying widow(er) and your modified AGI is at least $181,000. Nj 1040 nr You cannot make a Roth IRA contribution if your modified AGI is $191,000 or more. Nj 1040 nr Your filing status is single, head of household, or married filing separately and you did not live with your spouse at any time in 2014 and your modified AGI is at least $114,000. Nj 1040 nr You cannot make a Roth IRA contribution if your modified AGI is $129,000 or more. Nj 1040 nr Your filing status is married filing separately, you lived with your spouse at any time during the year, and your modified AGI is more than -0-. Nj 1040 nr You cannot make a Roth IRA contribution if your modified AGI is $10,000 or more. Nj 1040 nr Reminders Future developments. Nj 1040 nr  For the latest information about developments related to Publication 590, such as legislation enacted after it was published, go to www. Nj 1040 nr irs. Nj 1040 nr gov/pub590. Nj 1040 nr Simplified employee pension (SEP). Nj 1040 nr  SEP IRAs are not covered in this publication. Nj 1040 nr They are covered in Publication 560, Retirement Plans for Small Business. Nj 1040 nr Deemed IRAs. Nj 1040 nr  A qualified employer plan (retirement plan) can maintain a separate account or annuity under the plan (a deemed IRA) to receive voluntary employee contributions. Nj 1040 nr If the separate account or annuity otherwise meets the requirements of an IRA, it will be subject only to IRA rules. Nj 1040 nr An employee's account can be treated as a traditional IRA or a Roth IRA. Nj 1040 nr For this purpose, a “qualified employer plan” includes: A qualified pension, profit-sharing, or stock bonus plan (section 401(a) plan), A qualified employee annuity plan (section 403(a) plan), A tax-sheltered annuity plan (section 403(b) plan), and A deferred compensation plan (section 457 plan) maintained by a state, a political subdivision of a state, or an agency or instrumentality of a state or political subdivision of a state. Nj 1040 nr Contributions to both traditional and Roth IRAs. Nj 1040 nr  For information on your combined contribution limit if you contribute to both traditional and Roth IRAs, see Roth IRAs and traditional IRAs under How Much Can Be Contributed? in chapter 2. Nj 1040 nr Statement of required minimum distribution (RMD). Nj 1040 nr  If an RMD is required from your IRA, the trustee, custodian, or issuer that held the IRA at the end of the preceding year must either report the amount of the RMD to you, or offer to calculate it for you. Nj 1040 nr The report or offer must include the date by which the amount must be distributed. Nj 1040 nr The report is due January 31 of the year in which the minimum distribution is required. Nj 1040 nr It can be provided with the year-end fair market value statement that you normally get each year. Nj 1040 nr No report is required for section 403(b) contracts (generally tax-sheltered annuities) or for IRAs of owners who have died. Nj 1040 nr IRA interest. Nj 1040 nr  Although interest earned from your IRA is generally not taxed in the year earned, it is not tax-exempt interest. Nj 1040 nr Tax on your traditional IRA is generally deferred until you take a distribution. Nj 1040 nr Do not report this interest on your return as tax-exempt interest. Nj 1040 nr For more information on tax-exempt interest, see the instructions for your tax return. Nj 1040 nr Photographs of missing children. Nj 1040 nr  The Internal Revenue Service is a proud partner with the National Center for Missing and Exploited Children. Nj 1040 nr Photographs of missing children selected by the Center may appear in this publication on pages that would otherwise be blank. Nj 1040 nr You can help bring these children home by looking at the photographs and calling 1-800-THE-LOST (1-800-843-5678) if you recognize a child. Nj 1040 nr Introduction This publication discusses individual retirement arrangements (IRAs). Nj 1040 nr An IRA is a personal savings plan that gives you tax advantages for setting aside money for retirement. Nj 1040 nr What are some tax advantages of an IRA?   Two tax advantages of an IRA are that: Contributions you make to an IRA may be fully or partially deductible, depending on which type of IRA you have and on your circumstances, and Generally, amounts in your IRA (including earnings and gains) are not taxed until distributed. Nj 1040 nr In some cases, amounts are not taxed at all if distributed according to the rules. Nj 1040 nr What's in this publication?   This publication discusses traditional, Roth, and SIMPLE IRAs. Nj 1040 nr It explains the rules for: Setting up an IRA, Contributing to an IRA, Transferring money or property to and from an IRA, Handling an inherited IRA, Receiving distributions (making withdrawals) from an IRA, and Taking a credit for contributions to an IRA. Nj 1040 nr   It also explains the penalties and additional taxes that apply when the rules are not followed. Nj 1040 nr To assist you in complying with the tax rules for IRAs, this publication contains worksheets, sample forms, and tables, which can be found throughout the publication and in the appendices at the back of the publication. Nj 1040 nr How to use this publication. Nj 1040 nr   The rules that you must follow depend on which type of IRA you have. Nj 1040 nr Use Table I-1 to help you determine which parts of this publication to read. Nj 1040 nr Also use Table I-1 if you were referred to this publication from instructions to a form. Nj 1040 nr Comments and suggestions. Nj 1040 nr   We welcome your comments about this publication and your suggestions for future editions. Nj 1040 nr   You can write to us at the following address: Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. Nj 1040 nr NW, IR-6526 Washington, DC 20224   We respond to many letters by telephone. Nj 1040 nr Therefore, it would be helpful if you would include your daytime phone number, including the area code, in your correspondence. Nj 1040 nr   You can send your comments from www. Nj 1040 nr irs. Nj 1040 nr gov/formspubs/. Nj 1040 nr Click on “More Information” and then on “Comment on Tax Forms and Publications”. Nj 1040 nr   Although we cannot respond individually to each comment received, we do appreciate your feedback and will consider your comments as we revise our tax products. Nj 1040 nr Ordering forms and publications. Nj 1040 nr   Visit www. Nj 1040 nr irs. Nj 1040 nr gov/formspubs/ to download forms and publications, call 1-800-TAX-FORM (1-800-829-3676), or write to the address below and receive a response within 10 days after your request is received. Nj 1040 nr Internal Revenue Service 1201 N. Nj 1040 nr Mitsubishi Motorway Bloomington, IL 61705-6613 Tax questions. Nj 1040 nr   If you have a tax question, check the information available on IRS. Nj 1040 nr gov or call 1-800-829-1040. Nj 1040 nr We cannot answer tax questions sent to either of the above addresses. Nj 1040 nr Useful Items - You may want to see: Publications 560 Retirement Plans for Small Business (SEP, SIMPLE, and Qualified Plans) 571 Tax-Sheltered Annuity Plans (403(b) Plans) 575 Pension and Annuity Income 939 General Rule for Pensions and Annuities Forms (and instructions) W-4P Withholding Certificate for Pension or Annuity Payments 1099-R Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc. Nj 1040 nr 5304-SIMPLE Savings Incentive Match Plan for Employees of Small Employers (SIMPLE)–Not for Use With a Designated Financial Institution 5305-S SIMPLE Individual Retirement Trust Account 5305-SA SIMPLE Individual Retirement Custodial Account 5305-SIMPLE Savings Incentive Match Plan for Employees of Small Employers (SIMPLE)–for Use With a Designated Financial Institution 5329 Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts 5498 IRA Contribution Information 8606 Nondeductible IRAs 8815 Exclusion of Interest From Series EE and I U. Nj 1040 nr S. Nj 1040 nr Savings Bonds Issued After 1989 8839 Qualified Adoption Expenses 8880 Credit for Qualified Retirement Savings Contributions See chapter 5 for information about getting these publications and forms. Nj 1040 nr Table I-1. Nj 1040 nr Using This Publication IF you need information on . Nj 1040 nr . Nj 1040 nr . Nj 1040 nr THEN see . Nj 1040 nr . Nj 1040 nr . Nj 1040 nr traditional IRAs chapter 1. Nj 1040 nr Roth IRAs chapter 2, and parts of  chapter 1. Nj 1040 nr SIMPLE IRAs chapter 3. Nj 1040 nr the credit for qualified retirement savings contributions (the saver's credit) chapter 4. Nj 1040 nr how to keep a record of your contributions to, and distributions from, your traditional IRA(s) appendix A. Nj 1040 nr SEP IRAs and 401(k) plans Publication 560. Nj 1040 nr Coverdell education savings accounts (formerly called education IRAs) Publication 970. Nj 1040 nr IF for 2013, you received social security benefits, had taxable compensation, contributed to a traditional IRA, and you or your spouse was covered by an employer retirement plan, and you want to. Nj 1040 nr . Nj 1040 nr . Nj 1040 nr THEN see . Nj 1040 nr . Nj 1040 nr . Nj 1040 nr first figure your modified adjusted gross income (AGI) appendix B, worksheet 1. Nj 1040 nr then figure how much of your traditional IRA contribution you can deduct appendix B, worksheet 2. Nj 1040 nr and finally figure how much of your social security is taxable appendix B, worksheet 3. Nj 1040 nr Table I-2. Nj 1040 nr How Are a Traditional IRA and a Roth IRA Different? This table shows the differences between traditional and Roth IRAs. Nj 1040 nr Answers in the middle column apply to traditional IRAs. Nj 1040 nr Answers in the right column apply to Roth IRAs. Nj 1040 nr Question Answer   Traditional IRA? Roth IRA? Is there an age limit on when I can open and contribute to a Yes. Nj 1040 nr You must not have reached age  70½ by the end of the year. Nj 1040 nr See Who Can Open a Traditional IRA? in chapter 1. Nj 1040 nr No. Nj 1040 nr You can be any age. Nj 1040 nr See Can You Contribute to a Roth IRA? in chapter 2. Nj 1040 nr If I earned more than $5,500 in 2013 ($6,500 if I was 50 or older by the end of 2013), is there a limit on how much I can contribute to a Yes. Nj 1040 nr For 2013, you can contribute to a traditional IRA up to: $5,500, or $6,500 if you were age 50 or older by the end of 2013. Nj 1040 nr  There is no upper limit on how much you can earn and still contribute. Nj 1040 nr See How Much Can Be Contributed? in chapter 1. Nj 1040 nr Yes. Nj 1040 nr For 2013, you may be able to contribute to a Roth IRA up to: $5,500, or $6,500 if you were age 50 or older by the end of 2013,  but the amount you can contribute may be less than that depending on your income, filing status, and if you contribute to another IRA. Nj 1040 nr See How Much Can Be Contributed? and Table 2-1 in chapter 2. Nj 1040 nr Can I deduct contributions to a Yes. Nj 1040 nr You may be able to deduct your contributions to a traditional IRA depending on your income, filing status, whether you are covered by a retirement plan at work, and whether you receive social security benefits. Nj 1040 nr See How Much Can You Deduct? in chapter 1. Nj 1040 nr No. Nj 1040 nr You can never deduct contributions to a Roth IRA. Nj 1040 nr See What Is a Roth IRA? in chapter 2. Nj 1040 nr Do I have to file a form just because I contribute to a Not unless you make nondeductible contributions to your traditional IRA. Nj 1040 nr In that case, you must file Form 8606. Nj 1040 nr See Nondeductible Contributions in chapter 1. Nj 1040 nr No. Nj 1040 nr You do not have to file a form if you contribute to a Roth IRA. Nj 1040 nr See Contributions not reported in chapter 2. Nj 1040 nr Do I have to start taking distributions when I reach a certain age from a Yes. Nj 1040 nr You must begin receiving required minimum distributions by April 1 of the year following the year you reach age 70½. Nj 1040 nr See When Must You Withdraw Assets? (Required Minimum Distributions) in chapter 1. Nj 1040 nr No. Nj 1040 nr If you are the original owner of a Roth IRA, you do not have to take distributions regardless of your age. Nj 1040 nr See Are Distributions Taxable? in chapter 2. Nj 1040 nr However, if you are the beneficiary of a Roth IRA, you may have to take distributions. Nj 1040 nr See Distributions After Owner's Death in chapter 2. Nj 1040 nr How are distributions taxed from a Distributions from a traditional IRA are taxed as ordinary income, but if you made nondeductible contributions, not all of the distribution is taxable. Nj 1040 nr See Are Distributions Taxable? in chapter 1. Nj 1040 nr Distributions from a Roth IRA are not taxed as long as you meet certain criteria. Nj 1040 nr See Are Distributions Taxable? in chapter 2. Nj 1040 nr Do I have to file a form just because I receive distributions from a Not unless you have ever made a nondeductible contribution to a traditional IRA. Nj 1040 nr If you have, file Form 8606. Nj 1040 nr See Nondeductible Contributions in chapter 1. Nj 1040 nr Yes. Nj 1040 nr File Form 8606 if you received distributions from a Roth IRA (other than a rollover, qualified charitable distribution, one-time distribution to fund an HSA, recharacterization, certain qualified distributions, or a return of certain contributions). Nj 1040 nr Prev  Up  Next   Home   More Online Publications
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