Talk:Non-deductible traditional IRA

Reader feedback: What happens to the basis in...
68.239.85.66 posted this comment on 10 March 2014 (view all feedback).

"What happens to the basis in an IRA as reported on Form 8606 at the death of the taxpayer? Is this transferred to the beneficiary and if so, how is it reported?"

Any thoughts?

Blbarnitz 11:24, 10 March 2014 (CDT)


 * From the IRS pub 950:"IRA with basis. If you inherit a traditional IRA from a person who had a basis in the IRA because of nondeductible contributions, that basis remains with the IRA. Unless you are the decedent's spouse and choose to treat the IRA as your own, you cannot combine this basis with any basis you have in your own traditional IRA(s) or any basis in traditional IRA(s) you inherited from other decedents. If you take distributions from both an inherited IRA and your IRA, and each has basis, you must complete separate Forms 8606 to determine the taxable and nontaxable portions of those distributions."


 * The main sticking point is likely to be the beneficiary having access to the original owner's past filings of the Form 8606 so that the basis can be verified. --Blbarnitz 11:09, 26 November 2014 (CST)

Reader feedback: What are the contribution li...
96.2.247.250 posted this comment on 29 March 2014 (view all feedback).

"What are the contribution limits to a non-deductible ira?"

Any thoughts?

Blbarnitz 12:31, 29 March 2014 (CDT)

I added an explanation that the contribution limit is defined in IRS Pub 590. --LadyGeek 15:13, 29 March 2014 (CDT)

Reader feedback: Not a criticism - this is a...
71.236.72.22 posted this comment on 27 July 2014 (view all feedback).

"Not a criticism - this is a great page, but a suggestion for an enhancement. Rather than have the static table that you currently have, permit the user to put in their own parameters into a Java program, eg. 28% before retirement, 25% after, etc. and create the table dynamically."

Any thoughts?

This is an idea, but it should probably be an independent calculator linked on Tools and calculators, not included on the page here. Grabiner 19:55, 27 July 2014 (CDT)

Reader feedback: Looking for distribution rul...
72.69.82.158 posted this comment on 24 January 2015 (view all feedback).

"Looking for distribution rules - calculation of taxes"

Any thoughts?

Blbarnitz 12:23, 24 January 2015 (CST)

Is something missing from the page? Distributions are discussed under What is a difference between a Roth IRA and a non-deductible traditional IRA? (it's taxed as ordinary income). Actual tax calculations depend on the reader's situation, which should be discussed in the forum. --LadyGeek 12:30, 24 January 2015 (CST)

Reader feedback: Provide information about Re...
99.165.237.87 posted this comment on 20 November 2015 (view all feedback).

"Provide information about Required Minimum Distribution (i.e., is it required?) from a non-deductible IRA."

I would think that non-deductible contributions do not affect Required Minimum Distributions. Non-deductible contributions affect the cost basis (Form 8606), which subsequently determine the amount of taxes paid from an RMD.

Is this thinking correct?

LadyGeek 20:21, 20 November 2015 (UTC)


 * Pertinent IRS guidance: Publication 590-B (2014), Distributions from Individual Retirement Arrangements (IRAs), Distributions Fully or Partly Taxable


 * (previous comment added 16:20, 20 November 2015‎ Blbarnitz) I have updated the page. --LadyGeek 01:33, 21 November 2015 (UTC) ✅

Reader feedback: Can one have a traditional...
69.145.38.139 posted this comment on 12 February 2016 (view all feedback).

"Can one have a traditional non-deductible IRA if covered by a retirement plan at work if income is greater than $200,000?" The wiki article describes the contribution limits. Please ask your question in the Bogleheads forum. You will get assistance that will address your situation directly, which cannot be done here. LadyGeek 20:36, 12 February 2016 (EST)

Reader feedback: Great historical information...
71.146.64.240 posted this comment on 24 January 2017 (view all feedback).

"Great historical information. But chart needs a deductibility column for those who filed Married Filing Separately."

Any thoughts?

Peculiar Investor 09:18, 26 January 2017 (EST)

Reader feedback: Are there any dollar limits...
98.114.173.75 posted this comment on 10 June 2017 (view all feedback).

"Are there any dollar limits for nondeductible IRAs?"

I believe the wiki was unclear on the limits of nondeductible contributions and have revised the description. LadyGeek 15:53, 10 June 2017 (EDT)

Rewrite March 2020
The March 2020 rewrite was discussed extensively in the BH forums in these threads:

https://www.bogleheads.org/forum/viewtopic.php?f=5&p=5042179 (wiki editor's forum)

https://www.bogleheads.org/forum/viewtopic.php?f=2&t=300681 (Personal Finance forum)

Thanks to all who contributed!

--Fyre4ce 22:07, 4 March 2020 (UTC)