Customer Accounts第 77 / 110 题

Whether a Traditional IRA contribution is deductible for a given taxpayer depends primarily on:

a.The investments selected inside the IRA
b.Whether the taxpayer or spouse is covered by an employer retirement plan and the taxpayer's modified adjusted gross income
c.The custodian's fee schedule
d.Whether the contribution is made before or after the calendar year ends

解析

Anyone with earned income may contribute to a Traditional IRA, but deductibility phases out based on income when the taxpayer or spouse participates in a workplace plan. Investment choices and custodian fees have no effect on deductibility. Contributions may be made up to the tax filing deadline for the prior year, which affects timing but not the deduction test.

法律依据: Internal Revenue Code

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