G******f 发帖数: 16223 | 1 基本上就是买了放在那儿等退休的时候再用了。
但是看到网上说All withdrawals from a Traditional IRA are included in gross
income and subject to federal income tax (with the exception of any
nondeductible contributions; there is a formula for determining how much of
a withdrawal is not subject to tax). If one's investment style is buy-and
hold or dividend-seeking, then a Traditional IRA is at a disadvantage since
holding stocks in an IRA means they lose their favorable tax treatment given
to dividends and capital gains.
所以就犹豫还需 | s*******d 发帖数: 126 | 2 what I wrote here should be ignored as it contains incorrect/misleading information. See the following post for a correction.
thanks,
http://www.mitbbs.com/article_t/Investment/31198551.html
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
here is a partial calculation on a very simple model.
Let's assume that the growth of S&P500 over the next 30 years is 8%, and 3%
comes from dividend, and 5% from capital gain. Let's assume that there is
only a tiny bit of short term capital g
【在 G******f 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 基本上就是买了放在那儿等退休的时候再用了。 : 但是看到网上说All withdrawals from a Traditional IRA are included in gross : income and subject to federal income tax (with the exception of any : nondeductible contributions; there is a formula for determining how much of : a withdrawal is not subject to tax). If one's investment style is buy-and : hold or dividend-seeking, then a Traditional IRA is at a disadvantage since : holding stocks in an IRA means they lose their favorable tax treatment given : to dividends and capital gains. : 所以就犹豫还需
| K****D 发帖数: 30533 | 3 Thanks and marked. I actually had that gut feeling from my
intuition. I was never a 401(k) or traditional IRA fan --
basically I don't like the idea.
Quick question: do you need to pay SS + Medical tax on non-wage
income?
I thought that's only deducted from your paycheck ah, i.e.,
not applied to bank interest, capital gain, etc.
%
on
you
【在 s*******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : what I wrote here should be ignored as it contains incorrect/misleading information. See the following post for a correction. : thanks, : http://www.mitbbs.com/article_t/Investment/31198551.html : ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ : here is a partial calculation on a very simple model. : Let's assume that the growth of S&P500 over the next 30 years is 8%, and 3% : comes from dividend, and 5% from capital gain. Let's assume that there is : only a tiny bit of short term capital g
| K****D 发帖数: 30533 | 4 Actually when I think about it, 401(k) is even worse than
traditional IRA in this sense.
In traditional IRA, at least I have a choice to trade frequently | l*****t 发帖数: 77 | 5 does this calculation include the current tax, I mean, IRA is pre-tax, but
the same 10,000 is after-tax. (assume the current tax bracket is 25%)
%
on
you
【在 s*******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : what I wrote here should be ignored as it contains incorrect/misleading information. See the following post for a correction. : thanks, : http://www.mitbbs.com/article_t/Investment/31198551.html : ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ : here is a partial calculation on a very simple model. : Let's assume that the growth of S&P500 over the next 30 years is 8%, and 3% : comes from dividend, and 5% from capital gain. Let's assume that there is : only a tiny bit of short term capital g
| K****D 发帖数: 30533 | 6 Good question.
I look at the deductable IRA vs regular investment account this
way:
IRA:
pros: tax deduction on contribution
cons: income tax on gain
Regular:
pros: 10% less tax on gain
cons: no tax deduction on contribution
So, depending on how big your gain is, I think in most cases
deductible IRA's con is bigger than pro.
Any comments?
【在 l*****t 的大作中提到】![](/moin_static193/solenoid/img/up.png) : does this calculation include the current tax, I mean, IRA is pre-tax, but : the same 10,000 is after-tax. (assume the current tax bracket is 25%) : : % : on : you
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