m*********y
发帖数: 10616 | 1 她说我交易太频繁，建议我弄一个ira，这个和传说中的401k是一样的么？我这种情况
还能申请么？谢谢 | v**s
发帖数: 421 | 2 IRA? It is for U.S. resident. I do not think you can.
For year 2010, the deadline is 4/18/11. You cannot contribute it any more.
For year 2011, you are leaving. And you can only deposite $5000 each year.
the good thing for IRA is, you do not need to pay TAX. For traditional IRA,
you still need to pay gain tax when you withdraw. for Roth IRA, you no need
to pay gain tax when you withdraw because the money you deposite is after
tax. Traditional IRA money is before tax.
so I do not think we should open IRA because we are day trader. Well, it
is good because we do not need to pay TAX. Since you will have no tax issue
when you are in China, it is not necessary to open one.
【在 m*********y 的大作中提到】
: 她说我交易太频繁，建议我弄一个ira，这个和传说中的401k是一样的么？我这种情况
: 还能申请么？谢谢
| m*********y
发帖数: 10616 | 3 也就是说没什么意义了是吧？我以为就是401k，我就和她说我不在这工作，他就知道了。
,
need
【在 v**s 的大作中提到】
: IRA? It is for U.S. resident. I do not think you can.
: For year 2010, the deadline is 4/18/11. You cannot contribute it any more.
: For year 2011, you are leaving. And you can only deposite $5000 each year.
: the good thing for IRA is, you do not need to pay TAX. For traditional IRA,
: you still need to pay gain tax when you withdraw. for Roth IRA, you no need
: to pay gain tax when you withdraw because the money you deposite is after
: tax. Traditional IRA money is before tax.
: so I do not think we should open IRA because we are day trader. Well, it
: is good because we do not need to pay TAX. Since you will have no tax issue
: when you are in China, it is not necessary to open one.
| v**s
发帖数: 421 | 4 I think so.
I do not think we should open IRA because we are day trader. Well, it is
good because we do not need to pay TAX. Since you will have no tax issue
when you are in China, it is not necessary to open IRA.
For U.S. resident, I recommend we shoud open IRA because no tax on it.And $
5000 each year,many years later, it is still a lot of money.
了。
【在 m*********y 的大作中提到】
: 也就是说没什么意义了是吧？我以为就是401k，我就和她说我不在这工作，他就知道了。
:
: ,
: need
| a*****e
发帖数: 16445 | 5 主席，每一个有美国social security number的人都可以申请一个personal roth IRA
，目的
是避税；不过是退休后取才可以取，早取有10%penalty.
【在 m*********y 的大作中提到】
: 她说我交易太频繁，建议我弄一个ira，这个和传说中的401k是一样的么？我这种情况
: 还能申请么？谢谢
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