a********x
发帖数: 94 | 1 最近想买mutual fund。从http://www.mfea.com/FundSelector 上找了一些fund。主要是no load,手续费低，然后短期的（6个月）。本人F1,来美1年半，想找个regular account或者automatic accouct的。就不用IRA了。
有几个问题想请教一下。
1。 catagory 那个怎么是付的？
2。return率真得那么高么？有的到40%以上了。这个怎么算的？就是最后redepmtion的
钱除以投入的钱？
3。 买的话怎么买？去那个fund的官方网页么？ 还是在morningstar上买？
4。大虾们能不能推荐几个自己用过得比较好的？
ps.如果有什么其他建议，也请说说吧。谢谢了！！ |
K****D
发帖数: 30533 | 2 First advice: if you are F1 1.5 years, there is almost no reason
you should go with regular account rather than IRA.
You need to pay 30% tax on any capital gain. It's the highest
tax rate you will pay in many years to come. Why do you want
to do that?
【在 a********x 的大作中提到】
: 最近想买mutual fund。从http://www.mfea.com/FundSelector 上找了一些fund。主要是no load,手续费低，然后短期的（6个月）。本人F1,来美1年半，想找个regular account或者automatic accouct的。就不用IRA了。
: 有几个问题想请教一下。
: 1。 catagory 那个怎么是付的？
: 2。return率真得那么高么？有的到40%以上了。这个怎么算的？就是最后redepmtion的
: 钱除以投入的钱？
: 3。 买的话怎么买？去那个fund的官方网页么？ 还是在morningstar上买？
: 4。大虾们能不能推荐几个自己用过得比较好的？
: ps.如果有什么其他建议，也请说说吧。谢谢了！！
|
a********x
发帖数: 94 | |
a********x
发帖数: 94 | 4 而且好像IRA要很长时间才能取钱出来。不知道具体情况。 |
a*******i
发帖数: 11664 | 5 you need to do a lot of homework...
【在 a********x 的大作中提到】
: 而且好像IRA要很长时间才能取钱出来。不知道具体情况。
|
a********x
发帖数: 94 | 6 是的，谢谢楼上啊，具体哪些homework呢？？看了很多帖子了，没什么头绪，很乱,刚
入门。 |
K****D
发帖数: 30533 | 7 For Roth IRA, you can withdraw all your contributions at any
time for any reason without any fee or tax.
You cannot withdraw the yield without restrictions or penalties.
Actually Roth IRA is almost just designed for people like new
F1. It's a no-brainer for you to jump in as long as you qualify.
【在 a********x 的大作中提到】
: 是的，谢谢楼上啊，具体哪些homework呢？？看了很多帖子了，没什么头绪，很乱,刚
: 入门。
|
g***8
发帖数: 27 | 8 有个问题： 30%的capital gain tax，是针对F1的吗？ 我一直理解capital gain是和
personal income一起报税的不是吗？
”If you sell fund shares you've held for one year or less, you'll have to
pay tax on any capital gains at your regular income tax rate—up to 35%. If
you hold shares more than a year before selling, your capital gains will
be taxed at a maximum rate of 15%—typically much lower than the tax rate
on ordinary income.“
【在 K****D 的大作中提到】
: First advice: if you are F1 1.5 years, there is almost no reason
: you should go with regular account rather than IRA.
: You need to pay 30% tax on any capital gain. It's the highest
: tax rate you will pay in many years to come. Why do you want
: to do that?
|
s**********n
发帖数: 868 | 9 This is for resident alien.
For non-resident alien, 30% flat rate on all capital gains.
I don't like people saying "30% capital gain tax for F1" as if they never
know F1 can be resident alien.
If
【在 g***8 的大作中提到】
: 有个问题： 30%的capital gain tax，是针对F1的吗？ 我一直理解capital gain是和
: personal income一起报税的不是吗？
: ”If you sell fund shares you've held for one year or less, you'll have to
: pay tax on any capital gains at your regular income tax rate—up to 35%. If
: you hold shares more than a year before selling, your capital gains will
: be taxed at a maximum rate of 15%—typically much lower than the tax rate
: on ordinary income.“
|
K****D
发帖数: 30533 | 10 hehe, but that particular F1 visa is 1.5 years old, :-)
【在 s**********n 的大作中提到】
: This is for resident alien.
: For non-resident alien, 30% flat rate on all capital gains.
: I don't like people saying "30% capital gain tax for F1" as if they never
: know F1 can be resident alien.
:
: If
|
|
|
s**********n
发帖数: 868 | 11 Oh, sorry, I'm not refering to you.
It's just that I've seen that clearly flawed statement for many times, and I
myself is an example of F1/RA in tax filing.
By the way 1.5 year F1 can have a resident LD although I don't think that's
the case here:)
【在 K****D 的大作中提到】
: hehe, but that particular F1 visa is 1.5 years old, :-)
|
g***8
发帖数: 27 | 12 噢，明白了。 对，超过5年的F1也可以按resident alien报税了。 非常专业。
never
【在 s**********n 的大作中提到】
: This is for resident alien.
: For non-resident alien, 30% flat rate on all capital gains.
: I don't like people saying "30% capital gain tax for F1" as if they never
: know F1 can be resident alien.
:
: If
|
g***8
发帖数: 27 | 13 所以，如果是和30%相比，IR Aaccount 提前withdrawal的10%tax penalty 也不算什么
了，是
这个意思吗？
【在 K****D 的大作中提到】
: hehe, but that particular F1 visa is 1.5 years old, :-)
|
K****D
发帖数: 30533 | 14 No, 30% just means 30% -- the worst tax for most people.
For the withdrawal part, please refer to
http://www.mitbbs.com/article/Investment/31215823_3.html
【在 g***8 的大作中提到】
: 所以，如果是和30%相比，IR Aaccount 提前withdrawal的10%tax penalty 也不算什么
: 了，是
: 这个意思吗？
|
g***8
发帖数: 27 | 15 我的理解：
Distributions from contributions are penalty-free.
10% federal penalty tax on withdrawals of earnings(including dividends
and capital gains) before age 59½ unless an exception applies.
明白这句：
For Roth IRA, you can withdraw all your contributions at any
time for any reason without any fee or tax.
也明白这句:
You cannot withdraw the yield without restrictions or penalties.
还是不明白这句：
Actually Roth IRA is almost just designed for people like new。
1.5年后的F1回家 withdraw yield/earnings也要有penalties吧。为
【在 K****D 的大作中提到】
: No, 30% just means 30% -- the worst tax for most people.
: For the withdrawal part, please refer to
: http://www.mitbbs.com/article/Investment/31215823_3.html
|
K****D
发帖数: 30533 | 16 Item 3 was based on the assumption that the OP does not have
a plan to leave USA in the near future, and/or he does not
need to depend on the earnings of the investment for expenses.
If withdrawing beyond the prinpical from Roth IRA is necessary
before 59.5, it does not have obvious advantage over a regular
investment account.
【在 g***8 的大作中提到】
: 我的理解：
: Distributions from contributions are penalty-free.
: 10% federal penalty tax on withdrawals of earnings(including dividends
: and capital gains) before age 59½ unless an exception applies.
: 明白这句：
: For Roth IRA, you can withdraw all your contributions at any
: time for any reason without any fee or tax.
: 也明白这句:
: You cannot withdraw the yield without restrictions or penalties.
: 还是不明白这句：
|
g***8
发帖数: 27 | 17 明白。 而且我自己也看错了，以为LZ是只打算在这里呆1.5年的F1,呵呵。
【在 K****D 的大作中提到】
: Item 3 was based on the assumption that the OP does not have
: a plan to leave USA in the near future, and/or he does not
: need to depend on the earnings of the investment for expenses.
: If withdrawing beyond the prinpical from Roth IRA is necessary
: before 59.5, it does not have obvious advantage over a regular
: investment account.
|
a********x
发帖数: 94 | 18 谢谢大家讨论啊。我就是一个来美1。5年的F1,想搞点小投资，但是股票太花时间，而
且风险也大，所以本来想弄mutual funds。 跟实验室的美国学生也谈了，但是不知道
怎么弄。
所以还想问一下，这里又没有学生弄短期投资的，大家都怎么弄得？谢谢了。 |
