s***w 发帖数: 521 | 1 如果某种原因,不能rollover 的话,是不是一个比较大的投资损失?
或者说,IRA的选择多,回报会比只有14个MFs的401k高? |
c****o 发帖数: 32446 | |
s*****n 发帖数: 2174 | 3 unless you know what to do, mostly likely your choice may not beat the perfo
rmance of the limited funds available in your 401K plan. Usually, funds in 4
01K are pretty good.
【在 s***w 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 如果某种原因,不能rollover 的话,是不是一个比较大的投资损失? : 或者说,IRA的选择多,回报会比只有14个MFs的401k高?
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s***w 发帖数: 521 | 4 so don't rollover??
perfo
4
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : unless you know what to do, mostly likely your choice may not beat the perfo : rmance of the limited funds available in your 401K plan. Usually, funds in 4 : 01K are pretty good.
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s*****n 发帖数: 2174 | 5 There is nothing wrong with rollover, if you invest the money wisely.
My point is that 14 MFs in your 401K is not necessarily as bad as you
thought.
【在 s***w 的大作中提到】![](/moin_static193/solenoid/img/up.png) : so don't rollover?? : : perfo : 4
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t***s 发帖数: 4666 | 6 think about roth convertion before you roll over.
【在 s***w 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 如果某种原因,不能rollover 的话,是不是一个比较大的投资损失? : 或者说,IRA的选择多,回报会比只有14个MFs的401k高?
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s*****n 发帖数: 2174 | 7 Is Roth conversion going to trigger a huge tax in the conversion year?
If so, it may not be a good choice for people with already high tax bucket o
r living in a high-taxed state.
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : think about roth convertion before you roll over.
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s***w 发帖数: 521 | 8 everytime, I see people mention ETFs code here, I feel bad the my 401k
cannot do anything on them.
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : There is nothing wrong with rollover, if you invest the money wisely. : My point is that 14 MFs in your 401K is not necessarily as bad as you : thought.
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t***s 发帖数: 4666 | 9 most ppl convert after-tax non-deductible traditinal ira. so not much
tax implication. so be careful not to expend your before-tax ira base,
such as the roll-over ira.
o
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Is Roth conversion going to trigger a huge tax in the conversion year? : If so, it may not be a good choice for people with already high tax bucket o : r living in a high-taxed state.
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s*****n 发帖数: 2174 | 10 I didn't fully get your point.
For people's pre-tax 401K, rolling over to Traditional IRA should not have
any tax implication, since every dollar is still pre-tax anyway. But
converting to Roth will trigger a huge taxable income in the conversion year
. Is that right?
I see you mentioned after-tax non-deductible IRA. What's the point of
contributing to that? I do not see any benefits.
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : most ppl convert after-tax non-deductible traditinal ira. so not much : tax implication. so be careful not to expend your before-tax ira base, : such as the roll-over ira. : : o
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t***s 发帖数: 4666 | 11
year
yes.
convert to roth in 2010.
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : I didn't fully get your point. : For people's pre-tax 401K, rolling over to Traditional IRA should not have : any tax implication, since every dollar is still pre-tax anyway. But : converting to Roth will trigger a huge taxable income in the conversion year : . Is that right? : I see you mentioned after-tax non-deductible IRA. What's the point of : contributing to that? I do not see any benefits. :
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s*****n 发帖数: 2174 | 12 ok, makes sense. Thanks.
【在 t***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : : year : yes. : convert to roth in 2010.
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