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Personal Finance (Not Investing) • Pro-rata rule in backdoor Roth with foreign accounts

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If someone has no traditional/SEP/SIMPLE IRA but has foreign IRA "equivalents" such as RRSP in Canada and PER in France, does pro-rata rule apply? All the AI tools that I have asked said no, and that pro-rata rule only applies to traditional, SEP and SIMPLE IRA. Is this true? Thanks.
Yes, that's correct and consistent with the 8606 Instructions. Only non Roth IRA accounts are entered on the 8606, except for Roth distributions in Part III.

Statistics: Posted by Alan S. — Mon Sep 01, 2025 9:52 am — Replies 2 — Views 59



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