a******g 发帖数: 1538 | 1 以后取出来的时候不会搞错了,再上一次税吧?
有什么好处吗? |
K****D 发帖数: 30533 | 2 The benefit is you are betting you will have higher tax rate
when you take the money out after retiring.
For example, someone likes to suddenly buy a yacht by cash
at age 65. It saves you a lot of you have a Roth account.
【在 a******g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 以后取出来的时候不会搞错了,再上一次税吧? : 有什么好处吗?
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t***s 发帖数: 4666 | 3 after-tax != roth.
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : The benefit is you are betting you will have higher tax rate : when you take the money out after retiring. : For example, someone likes to suddenly buy a yacht by cash : at age 65. It saves you a lot of you have a Roth account.
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K****D 发帖数: 30533 | 4 Not Roth 401(k)? @_@
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : after-tax != roth.
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t***s 发帖数: 4666 | 5 there's 3 kinds: pre-tax 401k, after-tax 401k, and roth 401k
【在 K****D 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Not Roth 401(k)? @_@
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a******g 发帖数: 1538 | 6 I am talking about after-tax 401K.
I don't see any benefit of it. Maybe just make a portfolio larger?
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : there's 3 kinds: pre-tax 401k, after-tax 401k, and roth 401k
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a******g 发帖数: 1538 | 7 自己re一下
google到下面这段关于after-tax 401K
"Because you've already been taxed on your after-tax contributions,
you won't be taxed again when you withdraw those contributions from
the plan. However, you'll be taxed on the investment earnings when
you take a withdrawal."
看来好处就是profit可以tax-deferred. |
c****o 发帖数: 32446 | |
K****D 发帖数: 30533 | 9 seems higher limit?
【在 c****o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 就是traditonal IRA的意思了?
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s******d 发帖数: 323 | 10 non-deductible traditional IRA
【在 c****o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 就是traditonal IRA的意思了?
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a******g 发帖数: 1538 | 11 traditional IRA是pre-tax的
感觉after-tax 401K更接近Roth IRA. 但是区别是Roth IRA的profit/loss完全免税,
after-tax 401K最后还是要交profit的税。 至于loss怎么报税我不知道。
【在 c****o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 就是traditonal IRA的意思了?
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s*******d 发帖数: 126 | 12 "after-tax 401K最后还是要交profit的税"
where did you learn this?
There are only two types of 401(k), traditional and Roth, traditional is pre
-tax, Roth is after-tax. There are three types of IRAs, traditional, Roth,
and non-deductable IRA.
You can contribute to either types of 401(k) as long as your company offers
them.
You can contribute to a traditional IRA (individual retirement account, or,
annuity) and deduct the contribution if you income is less than a threshold,
maybe 60,000 as a single or 80,0
【在 a******g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : traditional IRA是pre-tax的 : 感觉after-tax 401K更接近Roth IRA. 但是区别是Roth IRA的profit/loss完全免税, : after-tax 401K最后还是要交profit的税。 至于loss怎么报税我不知道。
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t***s 发帖数: 4666 | 13 no. there's 3 types. why ppl want to conribute to after-tax 401k,
i don't know.
pre
offers
,
threshold,
【在 s*******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : "after-tax 401K最后还是要交profit的税" : where did you learn this? : There are only two types of 401(k), traditional and Roth, traditional is pre : -tax, Roth is after-tax. There are three types of IRAs, traditional, Roth, : and non-deductable IRA. : You can contribute to either types of 401(k) as long as your company offers : them. : You can contribute to a traditional IRA (individual retirement account, or, : annuity) and deduct the contribution if you income is less than a threshold, : maybe 60,000 as a single or 80,0
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s*****n 发帖数: 2174 | 14 there are 3 types of 401K,
traditional (pre-tax)
post-tax
Roth.
pre
offers
,
threshold,
【在 s*******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : "after-tax 401K最后还是要交profit的税" : where did you learn this? : There are only two types of 401(k), traditional and Roth, traditional is pre : -tax, Roth is after-tax. There are three types of IRAs, traditional, Roth, : and non-deductable IRA. : You can contribute to either types of 401(k) as long as your company offers : them. : You can contribute to a traditional IRA (individual retirement account, or, : annuity) and deduct the contribution if you income is less than a threshold, : maybe 60,000 as a single or 80,0
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r****y 发帖数: 3412 | 15 因为没有别的choice了?IRA不qualify或者都投满了。。钱多的没处找tax benefit?
我猜的。。呵呵
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : no. there's 3 types. why ppl want to conribute to after-tax 401k, : i don't know. : : pre : offers : , : threshold,
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s**********d 发帖数: 36899 | 16 after-tax 401(k)跟non-deductible IRA一回事,不是roth。
唯一的好处是tax-deferred growth。
没事别搞这个,很烦的,你一旦有这个,以后的所有distribution
都有tax问题,不能指定从pre-tax或after-tax拿钱。401(k) IRA
都有这个问题。tax deferred growth虽然有好处,但不是很大。 |
t***s 发帖数: 4666 | 17 i think all 401k share the same annual cap.
【在 r****y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 因为没有别的choice了?IRA不qualify或者都投满了。。钱多的没处找tax benefit? : 我猜的。。呵呵
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s*****n 发帖数: 2174 | 18 no, traditional and roth share the annual cap of $16,500.
Post-tax 401K doesn't have any cap.
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : i think all 401k share the same annual cap.
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t***s 发帖数: 4666 | 19 ok. then it makes a little bit more sense.
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : no, traditional and roth share the annual cap of $16,500. : Post-tax 401K doesn't have any cap.
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s*****n 发帖数: 2174 | 20 Actually, post-tax 401K is not a good choice, at least for most people. Even
one wants to save more in addition to the annual cap, one should put the mo
ney into a regular brokage account. Although it is not tax-advantaged, if on
e hold the securities long, the gain will be taxed as long term capital gain
, with low tax rate.
However, for the post-tax 401K, capital gain will be taxed as regular income
when it is withdrawn. It is even worse than other accounts, from a taxation
perspective.
There
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : ok. then it makes a little bit more sense.
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a******g 发帖数: 1538 | 21 看来401k after-tax最大的好处就是每年报税的时候可以省点事,不用填sch D了
Even
mo
on
gain
income
taxation
management
accessi
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Actually, post-tax 401K is not a good choice, at least for most people. Even : one wants to save more in addition to the annual cap, one should put the mo : ney into a regular brokage account. Although it is not tax-advantaged, if on : e hold the securities long, the gain will be taxed as long term capital gain : , with low tax rate. : However, for the post-tax 401K, capital gain will be taxed as regular income : when it is withdrawn. It is even worse than other accounts, from a taxation : perspective. : There
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s******d 发帖数: 323 | 22 好处绝对比这个多。
after-tax 401k等你换工作的时候可以rollover到non-deductible ira.
non-deductible ira明年以后可以随意convert成roth ira
【在 a******g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 看来401k after-tax最大的好处就是每年报税的时候可以省点事,不用填sch D了 : : Even : mo : on : gain : income : taxation : management : accessi
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G******t 发帖数: 1782 | 23 convert成roth ira 可以分期分批么?一次性转换税太多了啊。
【在 s******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 好处绝对比这个多。 : after-tax 401k等你换工作的时候可以rollover到non-deductible ira. : non-deductible ira明年以后可以随意convert成roth ira
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s**p 发帖数: 518 | 24 问个问题,non-deductible ira的profit部分在convert to Roth IRA时还是要交税的
吧?是不是跟deductible traditional IRA区别就是IRA basis那部分不用交?
【在 s******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 好处绝对比这个多。 : after-tax 401k等你换工作的时候可以rollover到non-deductible ira. : non-deductible ira明年以后可以随意convert成roth ira
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s*****n 发帖数: 2174 | 25 yes. There is no way to avoid taxation on earnings/gains, except Roth (401K/
IRA) accounts.
【在 s**p 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 问个问题,non-deductible ira的profit部分在convert to Roth IRA时还是要交税的 : 吧?是不是跟deductible traditional IRA区别就是IRA basis那部分不用交?
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s*****n 发帖数: 2174 | 26 不是明年以后吧, 是2010年only.
而且即使convert, 收益部分也要交税, 不怎么划算.
如果已经有TIRA, 那问题会更大, convert的时候, 是按照pro-rated方式进行的, 如果
IRA帐号里面有3w traditional 和 2w non-deductible的, 你选择convert 2w, 那么会
按比例给你convert 1.2w traditional 和 0.8w non-deductible, 好像无法选择我只c
onvert non-deductible的部分.
【在 s******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 好处绝对比这个多。 : after-tax 401k等你换工作的时候可以rollover到non-deductible ira. : non-deductible ira明年以后可以随意convert成roth ira
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l**i 发帖数: 176 | 27
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : after-tax 401(k)跟non-deductible IRA一回事,不是roth。 : 唯一的好处是tax-deferred growth。 : 没事别搞这个,很烦的,你一旦有这个,以后的所有distribution : 都有tax问题,不能指定从pre-tax或after-tax拿钱。401(k) IRA : 都有这个问题。tax deferred growth虽然有好处,但不是很大。
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t***s 发帖数: 4666 | 28 好像不止一年。具体几年我也忘了。这个conversion的具体规定哪里可以看?比如
什么时候就可以convert,account value按什么时候的算,是1月1日,还是conversion
date,还是12月31日?
只c
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 不是明年以后吧, 是2010年only. : 而且即使convert, 收益部分也要交税, 不怎么划算. : 如果已经有TIRA, 那问题会更大, convert的时候, 是按照pro-rated方式进行的, 如果 : IRA帐号里面有3w traditional 和 2w non-deductible的, 你选择convert 2w, 那么会 : 按比例给你convert 1.2w traditional 和 0.8w non-deductible, 好像无法选择我只c : onvert non-deductible的部分.
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s*****n 发帖数: 2174 | 29 好像就是2010年一年之内.
具体哪一天无所谓, 任何一天都行.
你convert的时候, 会产生tax, 整体算在2010年的tax file里面.
conversion
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 好像不止一年。具体几年我也忘了。这个conversion的具体规定哪里可以看?比如 : 什么时候就可以convert,account value按什么时候的算,是1月1日,还是conversion : date,还是12月31日? : : 只c
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