f****g
发帖数: 2073 | 1 就是如果放半年是不是就按交年expense ratio 的一半 |
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K****D
发帖数: 30533 | 2 Yes, but remember the price you see already considers the expenses. |
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f****g
发帖数: 2073 | 3 what price? I put down $10000, if the return is 5% annually and the expense
ratio is 1% annually, I got 4% ($400) gain in one year, before tax. |
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K****D
发帖数: 30533 | 4 The price you see on finance.yahoo.com, e.g. $21.34.
i.e., the NAV of the MF.
expense |
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s**********d
发帖数: 36899 | 5 you get 5%. it's already after they take out expenses.
expense |
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c******n
发帖数: 448 | 6 每天买进卖出？ 因为mf没有交易费，可以prorate交管理费，按照expense ratio。
这样如果每天买进卖出行不行，会不会有什么限制或者额外费用？因为好像一般mf都是
长期持有。
另外fidelity的25个免交易费的etf，是完全免费（不算那个管理费，也就是expense
ratio，这个要比mf低很多），还是有个每笔交易7.95的费用？
etf是能像股票一样买卖的，如果而且又track index，比较稳定，如果再没有交易费，
expenseratio又比mf低很多，那几乎钱都可以投在etf里了。 |
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S**C
发帖数: 2964 | 7 来自主题: Investment版 - PTTRX PTTRX dividend is prorated.
Bill recently loaded long-term treasury, and mortgage bonds, which are more interests rate sensitive, and rates are going up in the past two weeks.
You should first have a AA within your risk tolerance. |
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d********n
发帖数: 1856 | 8 not completely true.
say you have after tax money, contribute to non-deductible ira, but you have
rolled-over ira already, roll over non-deductible ira to roth ira, you
would have to pay tax again on the roll over based on the prorated formula.
So you pay tax TWICE.
for |
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w***n
发帖数: 1519 | 9 I was never in this situation before. Theoretically, I thought eventually
when you pay tax for the roll over ira later, you don't have to pay tax for
100% of the money. It should be somehow prorated too, no?
Suppose you have a rollover IRA of $45k and you are now doing backdoor for $
5k. You need to pay tax for 90% of $5k, that is, $4.5k. After you retired,
when you distribute money from rollover IRA, you pay tax for whatever money
left minus $4.5k. It would be very much unfair if it's not the c... 阅读全帖 |
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r**m
发帖数: 1825 | 10 no, it doesn't include Roth IRA
http://www.bogleheads.org/wiki/Backdoor_Roth_IRA
If you have any other (non-Roth) IRAs, the taxable portion of any conversion
you make is prorated over all your IRAs; you cannot convert just the non-
deductible amount.[2] In order to benefit from the backdoor, you must either
convert your other IRAs as well (which may not be a good idea, as you are
usually in a high tax bracket if you need to use the backdoor), or else
transfer your deductible IRA contributions to... 阅读全帖 |
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j***1
发帖数: 158 | 11 for this particular complex, I paid retail pricing, 2mil dollars, private
seller, assumed mortgage, 5% down, 5 year renewable term on 15 years
amortization.
5% of 2 mil, less tax credit and prorated rent and tenant security deposits
transferred, out of pocket is 59k, annual scheduled rent is 300k and we
collected 305k for year 2014.
deals are everywhere, you just have to look harder, and it doesn't cost
anything to ask.
right now we are closing on a 64 units complex (complex under court
appoint... 阅读全帖 |
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X****r
发帖数: 3557 | 13 是按总量算的，和哪年放进去的没关系。哪怕是不同地方开的账户也要一起算。你这样
不可行。
convert |
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h**i
发帖数: 431 | 14 那就是说一旦你rollover过401k到ira， backdoor就没法弄了
包子已发：） |
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X****r
发帖数: 3557 | 16 对，没法不交税弄，除非原来就是Roth 401k。多谢包子。 |
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f*******n
发帖数: 12623 | 17 你可以先把Traditional IRA rollover到401k。 |
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a********n
发帖数: 438 | 18 如果你现在公司的401k可以接受 IRA rollover, 你可以把所有TRADITIONAL IRA(如果
你以前rollover 401k到 rollover TRADITIONAL IRA 里）的钱ROLLOVER 到现在公司的
401K里。再做BACKDOOR ROTH IRA. |
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r****m
发帖数: 1204 | 23 这两个好处非常大了， 也没有成本， 除了你的一点时间。
唯一缺点，如果你已经有other IRA， it will be complicated due to prorate和税
的问题， 不过看起来， 你没有这个问题。 Go ahead do the backdoor conversion. |
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b******y
发帖数: 1684 | 24 转了以后你将来的Roth IRA conversion会有prorate |
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S**C
发帖数: 2964 | 25 Rarely companies allow in-service rollover, in addition, I am not sure if
before- and after-tax 401k conversion will be something similar to before-
and after-tax traditional IRA conversion, that is, conversion amount is
prorated. |
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l*********u
发帖数: 19053 | 26 有的bond，现在到next coupon date的收益，要分给卖方，按天prorated |
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r****m
发帖数: 1204 | 27 是的， 用天算， 并注意第一个 coupon payment prorate， 我能得到YTM 1.604。 |
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u****e
发帖数: 99 | 29 If you have high income, or high income in the future, think twice before
committing the rollover. At least don't commingle with other traditional IRA
accounts.
If your income exceeds certain limits (I think ~$180k for family), you won't
be able to directly contribute to Roth IRA and will need to use backdoor
Roth. In that backdoor conversion process, if you have any other traditional
IRA accounts, they will get prorated into tax calculation.
Take this into consideration. |
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发帖数: 1 | 30 Sorry,我的回帖用词没写清楚。
正确的步骤是：
1.把16年的roth ira recharacterize 成traditional ira.
2.然后再马上把traditional ira convert 成Roth ira.
3.步骤1，2要在2017年4月15号之前完成，gain的部分算16年收入增加并报税。
这样对了吧？
还有个问题，假如总收入不到194000，可否只用上述步骤操作ld的帐号，而我的不动？
当然了，这需要搞清楚184000-19400之间的prorate和最终具体收入值。再次感谢
: 不是。recharacterize回来就等于什么都没做了。你要把Traditional IRA
convert到
: Roth IRA。convert的时候gain要交税（如果你当时contribute之后马上convert
就没有
: 税；但是你等了那么久有gain了就有税）。
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c**********e
发帖数: 71 | 31 我怎么觉得transitional Ira 更合适呢，考虑将来养老时一年取出钱肯定比现在
income 少，税率更低。这个想法对吗
另外401k 中的transition ira 对自己另外买ira做backdoor Roth conversion 的
prorate 有影响吗？
求指点 |
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c**********e
发帖数: 71 | 32 第二个问题我听明白了。只是我其实想问的是：如果我在fidelity有transitional ira
and Roth Ira，当我convert transitional Ira to Roth ira via backdoor process
, 我公司401k中的tranditional component 会影响这个conversion prorate 吗？还是
两者无关？看起来是无关。
: 1. Yes or No； Tax-deductible Traditional IRA有income limit，很多
double inco
: me family和个人都不qualify。
: https://thefinancebuff.com/2017-401k-403b-457-simple-roth-ira-limits.
html
: Deductible IRA Income Limit
: The income limit for taking a full deduction for your contribution to
... 阅读全帖 |
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r****m
发帖数: 1204 | 33 IRS rule has changed, you have to pay prorate capital gain for the rental
years, even it was once your primary residence. |
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m****e
发帖数: 139 | 34 发信人: mudane (mudane), 信区: Working
标 题: Re: fire vs layoff
发信站: BBS 未名空间站 (Sat Jul 17 00:21:56 2010, 美东)
如果是layoff:
可以领失业保险（如果有绿卡或者是美国公民），通常有package (notice pay +
unused vacation time + maybe a few weeks' extra pay + maybe severance +
maybe prorated bonus + maybe pension)
下一个工作的背景调查时历史是清白的。
如果是fire:
nothing.
工作历史不清白。 |
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m*******i
发帖数: 8711 | 35 有些是四年prorate，有些是三年cliff |
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s******5
发帖数: 141 | 36 【 以下文字转载自 Working 讨论区 】
发信人: seasky25 (vandal), 信区: Working
标 题: offer 上这段话什么意思
发信站: BBS 未名空间站 (Fri May 13 09:17:03 2011, 美东)
做intern的公司给了正式工作的offer， 其中有一段话不太懂。麻烦懂得人解释一下。
多谢多谢
You shall receive a xxx stock option grant. These options will vest equally
over a 4 years period. There is no
prorate vesting of options outside of the anniversary dates. The strike
price will be determined based on fair
market value and is set by xxx's board of Directors and Auditors. You must
be employed with xxx in or... 阅读全帖 |
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l****5
发帖数: 190 | 37 之前在站里发过帖子，我去年9月跳槽去HP，在原来EDS得部门 (现称为HP Enterprise Services Dept)工作，由于做的东西
太product oriented，使用了一个叫做Curam的J2EE平台来customize social service applications，因此上个月又开始
陆陆续续的开始找工作，骑驴找马挺花时间，而且原来在HP的pay不错，所以寻找的范围更狭小，不过这个月初还是找到了
JP Morgan Chase，工资加了12%，其他福利假期保险都比HP好，而且又有pension，所以决定跳槽，我给了2个星期的
pre notification，上个星期三最后一天，因为HP的工资是每半个月发一次，所以我在18号最后一天的早上，给HP Benefit
Center打了一个电话，询问哪天是medical的最后一天，被通知是18日，因为我要31日才去JP，所以之间有一个半星期，
我想算了，自己当心一些，一个星期没有medical insurance，也问题不大。
昨天晚上收到了HP的最后一张工资单，可是却发现HP Before Tax Deduci... 阅读全帖 |
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s**a
发帖数: 968 | 38 JPM比HP福利好？？
之前在站里发过帖子，我去年9月跳槽去HP，在原来EDS得部门 (现称为HP Enterprise
Services Dept)工作，由于做的东西
太product oriented，使用了一个叫做Curam的J2EE平台来customize social service
applications，因此上个月又开始
陆陆续续的开始找工作，骑驴找马挺花时间，而且原来在HP的pay不错，所以寻找的范
围更狭小，不过这个月初还是找到了
JP Morgan Chase，工资加了12%，其他福利假期保险都比HP好，而且又有pension，所
以决定跳槽，我给了2个星期的
pre notification，上个星期三最后一天，因为HP的工资是每半个月发一次，所以我在
18号最后一天的早上，给HP Benefit
Center打了一个电话，询问哪天是medical的最后一天，被通知是18日，因为我要31日
才去JP，所以之间有一个半星期，
我想算了，自己当心一些，一个星期没有medical insurance，也问题不大。
昨天晚上收到了HP的最后一张工资单，可是却发现HP ... 阅读全帖 |
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m****t
发帖数: 754 | 39 You will be eligible for our company bonus program that provides 10% of your
prorated annual base salary contingent upon successful attainment of
company-defined financial target. Bonus payouts will be at the discretion
and final approval of the Board.
难道这个就是所谓的sign on bonus? 年收入的10%?
谢谢各位指点! |
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l********r
发帖数: 187 | 40 The contract only says that if the employment is less than two years, I
would have to payback the relocation cost on a daily-prorated basis. However
, the details are not stated in the contract.
I talked with an employment attorney firm. They said I may be able to argue
about some expenses in the relocation cost but not all of them. It may just
break even for me.
So I am wondering if anyone has experience with similar cases? |
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l******c
发帖数: 1202 | 41 看公司，一年两年都有
然后一般你拿到的是税后，退钱的时候按税前退，当然一般都是prorated |
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z*******y
发帖数: 578 | 42 我当年走的时候 bonus 和搬家费都是prorated 退回去了
401K 它给match的也全要回去了 - 我记得好像是3年内离开401Kmatch的全退
绿卡必须升到SDE 2 才能办
what else? 恩。。。 |
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z******s
发帖数: 197 | 43 给个权威解释 我当时离职的时候就退了 是按照月prorated
如果是被pip的可以申请waive这个费用 基本都会成功 |
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r******c
发帖数: 96 | 46 我们公司不管什么时候入职，bonus都是按全额年工资算的。工资实发，bonus不
prorate. 所以你要了解一下公司政策。 |
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s*****r
发帖数: 43070 | 48 signon是按照工作时间prorated的，一般期限都是一年，比如工作六个月离职，要退还
一半，工作九个月走人，要退还25%，好像还包括有relocation的花费
这根是否给办绿卡没关系 |
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s*********i
发帖数: 205 | 49 offer上面没写prorated,只是写要退全部，如何办？ |
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s*****r
发帖数: 43070 | 50 signon是按照工作时间prorated的，一般期限都是一年，比如工作六个月离职，要退还
一半，工作九个月走人，要退还25%，好像还包括有relocation的花费
这根是否给办绿卡没关系 |
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