S**C
发帖数: 2964 | 1 You need roth, taxable, and 401(k) alike, because it is highly likely in a
given single year, you need to pull out quite a lot of money which could put
you into the top bracket in that single year if you only have 401(k). Roth
and taxable give you a tax diversification protection.
Conversely, if you only have Roth, your other incomes may be low enough that
it put you in the lowest tax bracket, you are then an idiot by paying so
much tax when you were young. | m**********r
发帖数: 887 | 2 "Conversely, if you only have Roth, your other incomes may be low enough
that
it put you in the lowest tax bracket, you are then an idiot by paying so
much tax when you were young.
"
这是什么意思？ 没看明白 | S**C
发帖数: 2964 | 3 You ROTH withdrawal is tax-free, but you paid tax upfront at say, 25% rate
when you contribute. After you retire, your other income such as SS may not
be enough to put you in the, say 25% tax bracket or higher, you could be in
the 15% or even 5% bracket. Given that possible low tax bracket, why do you
want to do ROTH (alone)? You would be better off with a combination of ROTH,
tax-deferred, and taxable. | m**********r
发帖数: 887 | | K****D
发帖数: 30533 | 5 The best way to cash out Roth is cash out 100% at once. Although it doesn't
have benefit, but it feels really good -- it makes sure you've made a
wise decision when contributing, hehe.
not
in
you
ROTH,
【在 S**C 的大作中提到】
: You ROTH withdrawal is tax-free, but you paid tax upfront at say, 25% rate
: when you contribute. After you retire, your other income such as SS may not
: be enough to put you in the, say 25% tax bracket or higher, you could be in
: the 15% or even 5% bracket. Given that possible low tax bracket, why do you
: want to do ROTH (alone)? You would be better off with a combination of ROTH,
: tax-deferred, and taxable.
|
|
