t******o
发帖数: 467 | 1 单位没能力继续维持401K，下个月要终止401K。 给员工的选择是：
1. Cash Out with 20% tax withholding and 10% penalty.
2. Roll over to other 401K, 403 or 457 if you have.
3. Roll over to your own traditional IRA.
4. Roll over to Roth IRA if you are not married.
自己在401K的账户其实缩水到只有大概 $8000。我正准备去Citi bank开一个
Traditional IRA, 然后roll over 到那里。大家看怎么样？谢谢。 |
K****D
发帖数: 30533 | 2 Sounds good.
Don't do 1 or 2.
The best way would be do 3, and then do 4 in a year when your
income is low.
【在 t******o 的大作中提到】
: 单位没能力继续维持401K，下个月要终止401K。 给员工的选择是：
: 1. Cash Out with 20% tax withholding and 10% penalty.
: 2. Roll over to other 401K, 403 or 457 if you have.
: 3. Roll over to your own traditional IRA.
: 4. Roll over to Roth IRA if you are not married.
: 自己在401K的账户其实缩水到只有大概 $8000。我正准备去Citi bank开一个
: Traditional IRA, 然后roll over 到那里。大家看怎么样？谢谢。
|
t******o
发帖数: 467 | 3 谢谢。Citi Bank 的 Traditional IRA 怎么样？还是大部分银行都一样，City, BOA等
没什么区别。
【在 K****D 的大作中提到】
: Sounds good.
: Don't do 1 or 2.
: The best way would be do 3, and then do 4 in a year when your
: income is low.
|
K****D
发帖数: 30533 | 4 Find one that doesn't charge yearly fee and charges low commission
when you trade MFs and ETFs. You'll have to manage your account
yourself.
Usually the smaller the bank/broker is, the cheaper it is.
【在 t******o 的大作中提到】
: 谢谢。Citi Bank 的 Traditional IRA 怎么样？还是大部分银行都一样，City, BOA等
: 没什么区别。
|
t******o
发帖数: 467 | 5 ok, thanks.
【在 K****D 的大作中提到】
: Find one that doesn't charge yearly fee and charges low commission
: when you trade MFs and ETFs. You'll have to manage your account
: yourself.
: Usually the smaller the bank/broker is, the cheaper it is.
|
h****h
发帖数: 1168 | 6 i'm using boa, free 30 trades each month.
provided ur have other accounts there.
【在 t******o 的大作中提到】
: 单位没能力继续维持401K，下个月要终止401K。 给员工的选择是：
: 1. Cash Out with 20% tax withholding and 10% penalty.
: 2. Roll over to other 401K, 403 or 457 if you have.
: 3. Roll over to your own traditional IRA.
: 4. Roll over to Roth IRA if you are not married.
: 自己在401K的账户其实缩水到只有大概 $8000。我正准备去Citi bank开一个
: Traditional IRA, 然后roll over 到那里。大家看怎么样？谢谢。
|
a**e
发帖数: 5794 | 7 要求存款25K。这存款只包括CD, Saving, Checking吧
【在 h****h 的大作中提到】
: i'm using boa, free 30 trades each month.
: provided ur have other accounts there.
|
K****D
发帖数: 30533 | 8 Rich people like hometh don't care about that, hehe.
(say if his/her trading account is 1M.)
【在 a**e 的大作中提到】
: 要求存款25K。这存款只包括CD, Saving, Checking吧
|
s******d
发帖数: 323 | 9 recommend fidelity or vanguard
【在 t******o 的大作中提到】
: ok, thanks.
|
b******n
发帖数: 4559 | 10 问个菜鸟问题：
关于#3，traditional IRA和rollover IRA有啥区别啊？
如果新公司有401K
那么是转到新公司好呢，还是转到fidelity这样的第三方好呢？
【在 K****D 的大作中提到】
: Sounds good.
: Don't do 1 or 2.
: The best way would be do 3, and then do 4 in a year when your
: income is low.
|
t****u
发帖数: 8614 | 11 try 4, if can't, then 3.
【在 t******o 的大作中提到】
: 单位没能力继续维持401K，下个月要终止401K。 给员工的选择是：
: 1. Cash Out with 20% tax withholding and 10% penalty.
: 2. Roll over to other 401K, 403 or 457 if you have.
: 3. Roll over to your own traditional IRA.
: 4. Roll over to Roth IRA if you are not married.
: 自己在401K的账户其实缩水到只有大概 $8000。我正准备去Citi bank开一个
: Traditional IRA, 然后roll over 到那里。大家看怎么样？谢谢。
|
