j******e
发帖数: 64 | 1 我们今年没有contribution到Roth.
另外，今年不是出台了新政策，2010的traditional IRA没有income limit吗？ |
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j******e
发帖数: 64 | 2 事实上正好相反，明年我们的tax braket是33%, :(
那还有必要放traditional IRA吗？ |
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m******y
发帖数: 800 | 3 我的感觉是用来买traditional ira的钱是税后的，如果从traditoianl ira convert到
roth ira又要交一遍税，那还不如直接买roth ira或者投资，对不对？ |
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p******e
发帖数: 107 | 4 Leaving this country.
How do I withdraw money from my traditional IRA? Just transfer to my saving
account or do I need to fill out some form? Will the brokage firm withhold 1
0% penalty and the income tax?
The IRA account is less than one year. |
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s********n
发帖数: 1962 | 5 google traditional IRA vs Roth IRA. |
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K****D
发帖数: 30533 | 6 No-brainer for you, go with Roth as long as you qualify,
otherwise go with non-deductible traditional IRA and then
convert to Roth sometime later. |
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d****n
发帖数: 10034 | 7 看你收入，保税的状况。
google traditional IRA, deduction, tax应该能找到一个表格。
deduction是phase out的。
你如果不能deduction,存Roth IRA好了。 |
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s**********r
发帖数: 1120 | 8 现在只有traditional IRA，是不是不能再开Roth IRA了？那种更好些呢？ 多谢。 |
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m****u
发帖数: 229 | 9 littlesu: I read your post three times already and I still can't understand
what you are saying.
You said "退休后，可不可以第一年从roth多取一些因为不用交税，"
I think that's fine. You can do whatever u want with your Roth IRA money
without paying tax once you are retired.
I am really confused about "然后第二年再从traditional里面少取一些可以降到小
一些的tax bracket，"
I want to know how about you just dont take anything out until you need it
or age 70?
Finally, you said "不够就用前一年剩的？"
What are you talking about? What's the left over from prev |
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c**B
发帖数: 219 | 10 index和actively managed funds的区别比较好理解
但是ETF和一般的index又有什么区别呢？
我以前一直以为这两个是一样的 今天才知道ETF是index的一种，似乎和traditional
index funds又有些不同
还请牛人给指点一下
如果每次买一点点（千把块钱）一抱抱三五年，更适合哪个呢？ |
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t***s
发帖数: 4666 | 11 also, if you want to convert your after tax traditional ira to roth ira,
you don't want the roll-over ira to complicate the basis. |
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t*m
发帖数: 4414 | 12 还有很多普通的 traditional ira
convert的话，cost很大。 |
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m**********r
发帖数: 887 | 13 Since LZ is not qualified for Roth IRA, max out 401K, 529 and still have
bunch of money to invest, I assume LZ is in the highest tax basket now, so
convert traditonal IRA to Roth is not a good idea now IMHO.
And non-deductible traditional ira is suitable in LZ's situation. |
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O*********9
发帖数: 48 | 14 Is there a tax form to file when you contribute non-deductible Traditional
IRA? Thanks in advance! |
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g********t
发帖数: 168 | 15 yes
form 8606
Traditional |
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PK
发帖数: 1153 | 16 【 以下文字转载自 TAX 讨论区 】
发信人: PK (flying), 信区: TAX
标 题: traditional IRA convert to Roth 要寄1099R么？
发信站: BBS 未名空间站 (Wed Jan 26 22:53:59 2011, 美东)
10年把IRA转成了Roth，也没有tax withholding，打算2011年，2012年分两年交税
我知道需要交8606，但是1099R需要和1040一起寄么
明年后年交税时，需要寄1099R么
谢谢 |
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h****d
发帖数: 358 | 17 The converted amount is not the contribution. It cannot be taken out without
penalty within in 5 years.
的本金的吧。也就是说我以后可以随时拿出来吗? 我想在买第一个房子的时候，我ROTH
里的本金拿出来。这样，从traditional IRA转ROTH应该是make sense的吧。 |
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h********h
发帖数: 83 | 18 公司有401k,但是由于有投入上限,我投不满16500. 请问有没有别的办法把剩余的部分
投满(享受tax defer), 比如traditional IRA. |
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g*****g
发帖数: 34805 | 19 You can contribute to traditional IRA if your income is
not too high. But you probably should contribute to Roth
IRA instead if your income is not high and you project
much higher income in the future. |
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j*****h
发帖数: 3292 | 20 在做tax return
发现traditional IRA maximum contribution limit $5000
但tax deductable IRA amount 要比5000少很多，怎么回事啊？说是因为有参加了公司
的defined benefit plan (401K)?
高人帮答一下
2010的，我是在2010年3月就contribute了$5000，现在也拿不回头了 |
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p*****o
发帖数: 1285 | 21 别忘了年度cap。Traditional 的 cap 是税前，Roth 的 cap 是税后。 |
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a*****n
发帖数: 5158 | 22 这还用算么？
如果你认为你将来的tax bracket比现在低，then traditional
反之roth
如果你现在federal +state 40%, 很高了，可能与将来差不多 |
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r*********y
发帖数: 114 | 23 大家好：
我现在想赶在四月十八号之前存一点钱到我最近新开的firsttrade traditional IRA账
号中，可以降低一点我现在的税（我现在的marginal tax 25%). 我想问的是当我在
1040表格上填入IRA contribution的时候，是否要附上什么表格证明我投入了那么多钱？
我是新手，多谢指教了。 |
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Q***u
发帖数: 433 | 24 If you're at 28-33% now, I think you'll be better off with traditional 401(k
). You can't predict what the Federal tax brackets are in the future. That's
not what you should worry and it's beyond your control.
What you need to think is the specific income and tax rate when you retire.
If you believe all you earn during retirement is social security, 401(k)
distributions, some investment dividends, and so on, then the chances are
your retirement income will be significantly lower than what you ea... 阅读全帖 |
|
o******8
发帖数: 620 | 25 This is the best comments I have seen on tax bracket (by a real
person). Thanks!
traditional 401(k
future. That's
when you retire.
401(k)
chances are
you earn now.
this rate
when you |
|
w*****n
发帖数: 19 | 26 由俭入奢易，由奢入俭难。:-)
Your example is way off! :-O
Considering this case here, MyDearBaby might have at least 20-30 years of
work ahead. Let us use 25 years for work life.
If you earn $100k/yr now, what will you salary be after 25 years before
retirement? Still $100k/yr? Even if your salary at that time is still $100k,
would you like to live from a life with a quality of having $100k a year
suddenly to a life with only $50k a year?
Even if you could bear with your income dropped 50%, do you really agr... 阅读全帖 |
|
Q***u
发帖数: 433 | 27 Uncertainties are uncertainties. Nobody can really predict which way the
uncertainties will go. So, in the end, it all boils down to where each
person stands regarding the uncertainties. I myself still firmly believe
that for most Chinese--who're avid savers compared to Americans--they should
choose the traditional if their current tax bracket is greater than 28%.
But in the end, each person has different risk tolerance, life style, and so
on. So, it's impossible to have a universal answer. |
|
Q***u
发帖数: 433 | 28 For emergency money, I don't believe your 401(k)--Roth or traditional--will
be your sole source of investment. You certainly have other non-retirement
investment, don't you?
401(k) has a yearly contribution limit. Even if I wanted to put more in it,
I'm not allowed to do it.
If your main concern is afraid of losing Roth 401(k) when switching
employers, yeah, then I guess it makes sense to choose Roth since you
like it better. |
|
K****D
发帖数: 30533 | 29 Well, unless you really have a more than 2 million traditional
401k/IRA account at retirement that triggers huge minimum
required distribution, I wouldn't worry about the tax rate.
I personally put 401k the lowest priority in my portfolio. I want
it to earn as little as possible. For the whole 2010 it was all
cash. For Roth, though, I am often all-in... |
|
K****D
发帖数: 30533 | 30 Of course, no brainer even for a traditional 401k advocate, lol.
Only if my employer provides me a Roth choice... |
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a*****n
发帖数: 5158 | 31
不理解,
你一口一个将来税低,那干嘛投roth干嘛而不投traditional ira? |
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c*****x
发帖数: 429 | 32 I contribute to Roth 403b and (traditional) 457b in equal proportion, for
the sole reason of tax diversification: too much existing asset in tax-
deferred, not enough in after-tax. |
|
Q***u
发帖数: 433 | 33 If you're at 28-33% now, I think you'll be better off with traditional 401(k
). You can't predict what the Federal tax brackets are in the future. That's
not what you should worry and it's beyond your control.
What you need to think is the specific income and tax rate when you retire.
If you believe all you earn during retirement is social security, 401(k)
distributions, some investment dividends, and so on, then the chances are
your retirement income will be significantly lower than what you ea... 阅读全帖 |
|
o******8
发帖数: 620 | 34 This is the best comments I have seen on tax bracket (by a real
person). Thanks!
traditional 401(k
future. That's
when you retire.
401(k)
chances are
you earn now.
this rate
when you |
|
w*****n
发帖数: 19 | 35 由俭入奢易，由奢入俭难。:-)
Your example is way off! :-O
Considering this case here, MyDearBaby might have at least 20-30 years of
work ahead. Let us use 25 years for work life.
If you earn $100k/yr now, what will you salary be after 25 years before
retirement? Still $100k/yr? Even if your salary at that time is still $100k,
would you like to live from a life with a quality of having $100k a year
suddenly to a life with only $50k a year?
Even if you could bear with your income dropped 50%, do you really agr... 阅读全帖 |
|
Q***u
发帖数: 433 | 36 Uncertainties are uncertainties. Nobody can really predict which way the
uncertainties will go. So, in the end, it all boils down to where each
person stands regarding the uncertainties. I myself still firmly believe
that for most Chinese--who're avid savers compared to Americans--they should
choose the traditional if their current tax bracket is greater than 28%.
But in the end, each person has different risk tolerance, life style, and so
on. So, it's impossible to have a universal answer. |
|
Q***u
发帖数: 433 | 37 For emergency money, I don't believe your 401(k)--Roth or traditional--will
be your sole source of investment. You certainly have other non-retirement
investment, don't you?
401(k) has a yearly contribution limit. Even if I wanted to put more in it,
I'm not allowed to do it.
If your main concern is afraid of losing Roth 401(k) when switching
employers, yeah, then I guess it makes sense to choose Roth since you
like it better. |
|
K****D
发帖数: 30533 | 38 Well, unless you really have a more than 2 million traditional
401k/IRA account at retirement that triggers huge minimum
required distribution, I wouldn't worry about the tax rate.
I personally put 401k the lowest priority in my portfolio. I want
it to earn as little as possible. For the whole 2010 it was all
cash. For Roth, though, I am often all-in... |
|
K****D
发帖数: 30533 | 39 Of course, no brainer even for a traditional 401k advocate, lol.
Only if my employer provides me a Roth choice... |
|
a*****n
发帖数: 5158 | 40
不理解,
你一口一个将来税低,那干嘛投roth干嘛而不投traditional ira? |
|
c*****x
发帖数: 429 | 41 I contribute to Roth 403b and (traditional) 457b in equal proportion, for
the sole reason of tax diversification: too much existing asset in tax-
deferred, not enough in after-tax. |
|
q*****q
发帖数: 40 | 42 不如说我现在开traditional IRA,到以后转化为Roth IRA, 那个时候是不是一定要把原
有的基金卖掉再去买新的基金？
多谢 |
|
g*****b
发帖数: 44 | 43 不是说只要income level 低于phaseout range就都能全投deductable traditional
ira么？难得我理解错了？ |
|
g*****b
发帖数: 44 | 44 sorry, i don't quite understand your question.
did you mean the 401k limit or the ira limit? Isn't the 401k limit $16500
and $5000 for ira? I thought these two have nothing to do with each other.
And since my income is lower than the phaseout range, I could contribute $
5000 to a deductable traditional ira.
Please correct me if I am wrong. Thanks. |
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w***n
发帖数: 1519 | 45 两个你都eligible，但是总额是5000。各有各的优缺点，很难说清哪个更适合你。如果
你预期将来税率比现在高可以考虑投roth，否则可以投traditional。 |
|
i****r
发帖数: 1803 | 46 准备开一个traditional IRA账户，放5K。网上有些选择，但是，不知道哪家的选择多
，费用少。
这个帐号平时应该不会太交易，偶尔想trade一些ETF（也不知道能不能）。
请大牛们给推荐一个吧，多谢先！ |
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j**y
发帖数: 147 | 47 Is there income limit for traditional IRA conversion to Roth IRA? Thx. |
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R******d
发帖数: 1305 | 48 这个tax我也不懂，但是limit好像是5000，要开一个traditional IRA账户，然后才能
convert成 Roth，钱到户就可以转 |
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a*****h
发帖数: 7463 | 49 traditional IRA是pre-tax,那也就是说只能从工资单里转了吗〉谢谢 |
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s********d
发帖数: 2216 | 50 大概研究了一下，
大家一致建议 401k 只放公司 match 的部分，余钱放 Roth。
我们现在的情况是
tax bracket： 20%
child credit 正在 phase out， 每 $1000 少 $50 的 credit
我觉得这部分加起来至少有 25% 了。
如果 traditional IRA 放 $5000， 至少抵掉 20% 的 tax，还多拿 5% child credit。
这种情况还是放 Roth 吗? 有点糊涂了 |
|
