b********i
发帖数: 1252 | 1 请问，如果离婚了，那么个人ira和公司retirement account里的钱，是个人的归个人
还是夫妻平分？多谢！如果在一个community state和一般的state在法律上有什么不同
么？
多谢.有包子。 |
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s********z
发帖数: 5411 | 2 suppose you retire at 60, you have another 25 years to live after that.
What do you want? 60% in bond?
This is the product from one company and you don't have to buy it. The fact
that this doesn't fit your risk profile doesn't mean it is bad for everyone
. With interests rate at record low, bonds are super super risky now. |
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a*****e
发帖数: 2503 | 3 i remember someone told me for a couple, you need to have about 1.5M minimum
when both of you retire (about age 60-65); no debt on house
is it true? |
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M*******s
发帖数: 1210 | 4 sounds right; but 1.5m is the # for you to retire today
in 30 years, that # is likely to go up
minimum |
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o****i
发帖数: 1706 | 6 In my offer letter,
"4.Company funded retirement Pension after 1 year of employment
5.401K (company matches on first 6% of your contribution)"
How they work? if i leave my this job, how much can I vest from pension? |
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D*****t
发帖数: 558 | 7 Pension is a difined benefit retirement plan, meaning the benefit payment to
the retiree is defined by the plan. As such, the pension is fully
responsible for investment and payout. Investment risk falls solely on the
pension, not the investor. ( consider social security a giant national
pension) 401 k is a defined contribution plan, where the contribution by the
employee wnd employer is defined. It is a self managed plan by investors,
who bear the investment risk fully.
Companies sponsoring Tra... 阅读全帖 |
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j********g
发帖数: 427 | 8 最近买了vanguard retirement fund,这两天亏了2%，考古说这种是很稳妥的，会不会
长期亏下去哇，菜鸟一个，还是这种fund很不保险啊 |
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D*****t
发帖数: 558 | 9 if you think 2% is too much for you to handle, imagine this: let's take VG
2045 for example. At the peak of the financial crisis, it had lost >50% form
its peak to the bottom. but it has since recovered nicely. two days, 2%, or
2 years 50%, these are just short term noise and mean nothing for
retirement investors. |
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a*******6
发帖数: 64 | 10 是不是retirement的fund，基本买了就不要管了？
还是 如果看到fund近期快开始跌了，就卖了，等跌到底升之前再买？ 这个一般时机不
好把握所以就没有必要这么做？ 不过想象08年很多人的fund缩水一半，是不可避免的
？能够做的只是推迟退休时间，等到这些fund涨上来再退休？
新手请轻拍。:) |
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a*******6
发帖数: 64 | 11 有道理。反正也是30年后了，市场也许会上上下下好几次呢。
那些retirement fund基本都是根据时间推移会调节投资的组合？
timing
a
't
buy
sell
and
and |
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y***a
发帖数: 733 | 12 双职工，收入刚刚超过ROTH IRA限额。一直以来只存了公司的401K和学校的PENSION。
终于把房和车买了，看看手头还有点钱，向大家请教怎样投资retirement.
1.LD学校的403b,这个是不是和401K差不多? 我们应该还可以买吧。
2. Roth IRA我们超过了限额。听说可以先买traditional IRA, 然后再转ROTH.但怎么
看精华区说有了401K就不能再买了？我们家LD在学校可以买吗？那买了403b以后呢？
谢谢。 |
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B****l
发帖数: 56 | 13 请教大家，生娃前就辞职了，之前有几个retirement帐户，应该怎么操作会比较好呢，
是应该去开一个roth ira或者其它的么？
实在是完全不懂，请大家指教。
谢了。 |
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z*******i
发帖数: 2904 | 14 同意楼上说的，楼主年级估计跟我差不多，target retirement fund大概都是80%-90%
左右的stock，现在的情况下收益不好很正常。但是你要想到这些钱你大概可能30年以
后才会用到，没必要因为短期的波动就惊慌失措了。
我觉得一般人如果不是对市场特别敏感的话，就按照Bogle的思路来就好了，买index
fund，buy and hold。好像也是buffet的思路。我理解的就是一般人没办法beat the
market，那就买指数基金，长期持有，compounding，时间会beat market的。
bogle老爷爷是vanguard的创始人。具体可以看看
www.bogleheads.org/wiki/Main_Page
另外还有bogleheads网站还有论坛，bogleheads forum，挺不错的投资理财方面的信息
讨论 |
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M******y
发帖数: 108 | 15 如果我购买了2020 target retirement fund，在2020年之前把它卖掉有什么限制么？
如果我在2020年之后继续持有的话，会怎么样？投资会自动转为下一个5年计划（2025
），或者现金？ |
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z*****8
发帖数: 304 | 16 看上个房子，agent帮查了一下，说是retirement community，不知道这个会不会影响
以后卖房子。有经验的帮忙分析一下，谢谢！ |
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m*****u
发帖数: 1342 | 17 check out myNestEgg ~ the retirement calculator at iTune App store:
http://bit.ly/ag3Vjc |
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m******p
发帖数: 5393 | 18 【 以下文字转载自 Working 讨论区 】
发信人: megastop (megastop), 信区: Working
标 题: non-profit单位的retirement plan，ING和Metlife选哪个好？
发信站: BBS 未名空间站 (Wed Sep 29 12:45:46 2010, 美东)
不是你们在公司那种401k之类，州提供的plan，必须自己找个投资，有6个指定的
investor，其他4个没听说过，就知道ING和Metlife
employee contribution at least 5% annual base salary, employer match 8%,不是
你们在公司那种401k之类，不知道怎么比较,这种plan是中等还是偏烂？ |
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m****2
发帖数: 780 | 19 其实两种都一样的,没差别.
想当年这卡一出来的时候我就申的,收到才发现是RETIREMENT REWARD.
实际上也还是一样的2%.
只是每次看到卡面的时候我都觉得我这2%啊,是为退休生活在攒钱的... |
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k***e
发帖数: 7933 | 20 我误解你了。
fidelity网站上fide amex有3个卡，
Fidelity Investment Rewards American Express Card
Fidelity Retirement Rewards American Express Card
Fidelity Investments 529 College Rewards American Express Card
你说的国内no fee的是哪个一个？ |
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a**s
发帖数: 177 | 21 I worked in universities, so the retirement money is in Tieacref. Now I left
, can I roll over these money to ING or other investment companies? Anybody
has experience? Any charges for this roll over? Thanks. |
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b********n
发帖数: 1651 | 22 目前还没固定工作，不知retirement plan在没正式工作期间能自己上吗？是不是一直
没正式工作的话，退了休连social security都没有啊？ |
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b********i
发帖数: 1252 | 23 我在这方面是白痴一个
就问一个最简单的问题
现在投钱入retirement帐户
不用交税
那么将来取钱的时候还得交本金还有赚到的钱的tax
不是差不多吗
而且这中间还有赔钱的风险
所以应该是放银行更好啊
谁能给科普一下？ |
|
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G***G
发帖数: 16778 | 25 can retirement system be used as a saving account?
deposit money to it and earn interest.
when you need money, withdraw from it. |
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C****0
发帖数: 1118 | 26 it means you can withdraw money when you retire, e.g. 59.5 y/o. |
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s**********g
发帖数: 14942 | 27 u can earn if u make good investment
u definitely cannot withdraw any time u want before u retire
otherwise why it can escape from the high tax bracket |
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f******e
发帖数: 582 | 28 I am an independent contractor and would like to purchase a retirement plan.
right now, I have no idea where to start. But I have one basic question:
for a reasonable one, usually how much does it cost for one year?
Thanks a lot for your help. |
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y***5
发帖数: 62 | 29 Ok, I am still hanging here ...
Texas TRS stated clearly in their letter that I have two options for my
money in my retirement account, which is about to close. One is to ask for
refund and the other is a direct rollover to a Roth IRA.
But the suggestions I got from this board is to open a rollover IRA account.
What I want to know is should I go to the bank to open a rollover IRA or a
Roth IRA? (Are they basically the same thing but are terms used in different
context? )
Do you guys have suggest... 阅读全帖 |
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y****i
发帖数: 17878 | 30 "We have some very important news regarding your GoWallet account. GoWallet
was created in 2011 as an application to help consumers store and manage
their gift cards. As our business has grown and evolved, we’ve determined
that GoWallet no longer fits with our company strategy, and have decided to
retire GoWallet in early 2016.
Following this communication, you will no longer be able to add retailer
gift cards, American Express, MasterCard, and Discover gift cards to your
GoWallet account. Visa ... 阅读全帖 |
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l*m
发帖数: 557 | 31 you can withdraw the part you contributed, e.g. 5% as you said.
generally, each time you put 5%, the school will match some to your account.
The amount of the match part depends on the school's policy. In some
unversity, I heard of around 10%, even 12%.
Definitely you have the right of not taking part in the retirement plan. It'
s not mandatory. |
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a******g
发帖数: 35 | 32 每月扣一百多 for retirement,好像还是必须的。大家一样吗？ |
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b*******w
发帖数: 39 | 33 Other Salaried and Federal
Post Doctoral Fellows, Veterinary Interns and Clinical Psychology Interns on
appointments of half-time or greater are eligible for benefits as of the
date of appointment, excluding short-term disability and the defined
contribution plan for retirement (DCP) "no match".
是什么意思啊,特别是其中的...of half-time or greater... |
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h*******o
发帖数: 4884 | 34 401k不就是retirement plan吗？
我现在的地方是是自己出n% (0 up to 5%) ,学校match n+5% |
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l****7
发帖数: 975 | 35 【 以下文字转载自 Faculty 讨论区 】
发信人: li2007 (lili2007), 信区: Faculty
标 题: 老板的retirement party，我们该咋办？
发信站: BBS 未名空间站 (Fri Oct 1 14:31:02 2010, 美东)
送点什么东西么？ |
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t**a
发帖数: 4875 | 36 【 以下文字转载自 Returnee 讨论区 】
发信人: trna (trna), 信区: Returnee
标 题: 有没有人回国前把自己retirement plan里的钱取出来？
发信站: BBS 未名空间站 (Fri Feb 25 12:00:01 2011, 美东)
early withdraw一般要罚多少比例的税啊？
我最近在考虑要不要把这个钱取出来带回去。。。
大家有经验的，请指教一下。。。我回头也去问问学校相关的部门可不可以这么干？
谢谢！ |
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l****f
发帖数: 543 | 37 请问postdoc， 2009年来美国的，现在开始让交Temporary Employee Retirement Plan
，（工资的7.5%）。请问都这样吗？可以不交吗？这钱要是1-2年后就离开美国怎么要
回来？ |
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i***n
发帖数: 1957 | 38 本来工资就低，每个月还要扣五六百的retirement plan，这个是用来干嘛的啊？
postdoc难道还退休？ |
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l********n
发帖数: 260 | 39 请问各位老师,
如果在美国j1做博士后话, 第二年不加入retirement plan可不可以? 有什么影响对自
己?
我吻了一个tiff的人, 他说尽管不是强制性的, 但是会对我的income有影响, 说政府会
对我加税, 他妈的~~~
谢谢~~~ |
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b***h
发帖数: 10 | 40 换另外一个学校开始第二个postdoc，想请教大家，在前一个学校时retirement plan里
面的钱怎么办？
可以直接取出来吗？还是到第二个学校用同个公司同个帐户续上？后一个最好，但基本
不太可能....
多谢！ |
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G*****r
发帖数: 167 | 41 公司sponsor的retirement account (traditonal IRA),怎样可以把钱取出来? |
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x********g
发帖数: 9 | 42 【 以下文字转载自 Postdoc 讨论区 】
发信人: xuzhonping (jason), 信区: Postdoc
标 题: Retirement 403b 转账号问题
发信站: BBS 未名空间站 (Tue Jun 25 11:37:51 2013, 美东)
博士后第三年换了个学校,不是美国同一州; 出现个养老金的问题:
博士后第二年开始交养老金403b,交了一年; 自己贡献3%,学校同比例补助一半; 新学校
没有补助. 现在打算roll over过去, 原学校规定工作没有满3年的话,学校部分不能带
走, 只有自己部分可以带走;
所以我问问大家是不是可以不roll over, 设定两个账号.拿之前的一年的钱做做小投资
什么的, 这样行得通不? |
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p****j
发帖数: 4762 | 43 在工作那一段，如果填retired, 就是填previous work, 如果选择other, 那就是填
current work，我该选择哪个更好呢？ |
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s*****n
发帖数: 5488 | 44 Basically the article is a run down of some daunting facts about the failure
to save for retirement, the new era of thrift, and what the financial
crisis has done to Boomers' saving.
As of 2008, those aged 65-74 were spending 12% less than folks in the same
age group did in 2000 (granted, that was a bad year).
看了以后我的第一感觉就是又旧又有味道房子在市场上放上两年也卖不出去。因为房主
没钱卖出去前没钱更新。房子还得要跌啊。
And if the stock market and bond markets continue on their current
trajectories, then the aged are really in trouble:
At the |
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h***w
发帖数: 411 | 45 不懂股票,不知道发哪儿，这儿好像比较合适。
1.那个公司好些？fidelity or vanguard?
2.我非常迷惑的问题是,这几天各种指数好像只是上下小振荡了一下,结果我的
retirement plan持续狠跌，YTD收益从1.x% 跌倒 -1.x%.这是怎么回事？我经常注意到
，股市大涨的时候，收益小涨，股市小跌的时候，收益却大跌。这是怎么回事？我鸡蛋
也放得挺散的。。。
高人们指点一下吧，不然一年连5%都没有呀...去年靠年末涨才到了2.x%.退休可怎么活
. |
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m**********8
发帖数: 98 | 46 想着把４０１Ｋ的钱全部放到最安全的地方。看了一圈，好像这个Vanguard
Retirement Savings Trust还可以。有大牛指点一下吗？ |
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p*****t
发帖数: 3824 | 47 pension 是要contribute salary的 11.54% （我的理解是employer 会match？）
optional retirement plan叫啥 401a，可以自己通过fidelity账户管理，contribute
工资的 7%，employer match 7%。
我的理解是pension的话就是交给退休基金管理，401a可以自己选择股票或者基金？
pension的plan employer也会match contribution的吧？如果是这样，那就是工资以外
，employer 还额外给11.54% ？？？ |
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E**********r
发帖数: 2743 | 48 retirement investment options? (will thank with Baozi)
Anyone here have recommendations? Too many funds out there and don't know
which ones to pick.
I（版友） will send BAOZI for good suggestions. Thanks in advance! |
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a*w
发帖数: 123 | 49 看了一下那是版主建议的一个投资组合吗? 我也想知道是如何选的，
关键是对于retirement account如何平衡风险和收益?毕竟不是专业
炒股。 |
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W***n
发帖数: 11530 | 50 One can retire any time they like
just don't look for a job
that's what I'm doing now
hahaha |
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