b*****n 发帖数: 17570 | 1 最近几个月一直在做contractor,没有401K入账了
需要把以前的几万块401K转成IRA吗?
如果要扣税或者交手续费啥的,可不就亏了吗? |
s**********d 发帖数: 36899 | 2 rollover不扣税。
转到没有手续费的地方没有手续费。
转不转随你的便,不是“需要”。当然如果你原来的401(k)
plan没了你就必须转了。 |
n******n 发帖数: 12088 | 3 not now if u have traditional ira to convert to roth.
do it in 2011.
【在 b*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 最近几个月一直在做contractor,没有401K入账了 : 需要把以前的几万块401K转成IRA吗? : 如果要扣税或者交手续费啥的,可不就亏了吗?
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b*****n 发帖数: 17570 | 4 为什么现在不做要等到2011年?能讲讲原因吗?
我没有tranditional ira,以前每年交满401K和roth ira,准备继续交满roth,
就是不太清楚401K该怎么办。
【在 n******n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : not now if u have traditional ira to convert to roth. : do it in 2011.
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b*****n 发帖数: 17570 | 5 多谢
是不是401K超过一定数目就不要求转出了?我现在也没地方rollover,除非转ira
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : rollover不扣税。 : 转到没有手续费的地方没有手续费。 : 转不转随你的便,不是“需要”。当然如果你原来的401(k) : plan没了你就必须转了。
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f*****g 发帖数: 15860 | 6 最近几个月一直在做contractor,没有401K入账 |
f*****g 发帖数: 15860 | 7 depends on your 401K broker, ask them not here.
most likely yes.
nothing wrong with rollover IRA, you may get much more investment choices.
【在 b*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 多谢 : 是不是401K超过一定数目就不要求转出了?我现在也没地方rollover,除非转ira
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b*****n 发帖数: 17570 | 8 刚刚才知道原来还有1099 contractor和w2 contractor的区别
还是弄不清楚自己属于哪一类,公司就给钱,没有假期保险和401K,但是公司一直帮我
扣税,最后发w2。也不知道到底算不算self employment
【在 f*****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 最近几个月一直在做contractor,没有401K入账
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f*****g 发帖数: 15860 | 9 no, you're not self employed, or by my defition, "fake" contractor.
with W2, you're actually an employee of this company (most likely a staffing
or headhunter company). you may be hourly paid, but it has nothing to do
with self employed.
then you can't have SEP IRA.
【在 b*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 刚刚才知道原来还有1099 contractor和w2 contractor的区别 : 还是弄不清楚自己属于哪一类,公司就给钱,没有假期保险和401K,但是公司一直帮我 : 扣税,最后发w2。也不知道到底算不算self employment
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b*****n 发帖数: 17570 | 10 唉,这么惨。搞了半年的合同工,还是个假的
staffing
帮我
【在 f*****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : no, you're not self employed, or by my defition, "fake" contractor. : with W2, you're actually an employee of this company (most likely a staffing : or headhunter company). you may be hourly paid, but it has nothing to do : with self employed. : then you can't have SEP IRA.
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s**********d 发帖数: 36899 | 11 w2就是雇员,你是contractor,但是有employer,给你发钱的那个。
通常有一些benefits,但可能很差。不少还有401(k)。
1099-misc是自己打工,要自己付estimate tax, double social
security tax. 没有任何benefits(因为没人是你的雇主)。
【在 b*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 唉,这么惨。搞了半年的合同工,还是个假的 : : staffing : 帮我
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k***a 发帖数: 1104 | 12 没有IRA, 开一个不就行了。
【在 b*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 为什么现在不做要等到2011年?能讲讲原因吗? : 我没有tranditional ira,以前每年交满401K和roth ira,准备继续交满roth, : 就是不太清楚401K该怎么办。
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h******n 发帖数: 106 | 13 Of course.
Rollover IRA is much better than 401K.
You have much wider fund selection.
The best choice for IRA is wells fargo (open a PMA checking at the
same time, keep all combined balance > 25k, you get 100 free trades
each year for every account you have). The free trade apply to
stock and mutual fund (including vanguard, Fidelity, etc).
For example, a couple each has a traditional IRA and Roth IRA.
If combined balance in all 4 accounts > 25k,
you have 100 free trade for each account.
【在 b*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 最近几个月一直在做contractor,没有401K入账了 : 需要把以前的几万块401K转成IRA吗? : 如果要扣税或者交手续费啥的,可不就亏了吗?
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h***e 发帖数: 866 | 14 我的401k不到2w,从来没人喊我转出啊,反正我都买的bond,放哪里都一样
【在 f*****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : depends on your 401K broker, ask them not here. : most likely yes. : nothing wrong with rollover IRA, you may get much more investment choices.
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s**********d 发帖数: 36899 | 15 有的401(k)很好,便宜的fund外面买不到。
【在 h******n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Of course. : Rollover IRA is much better than 401K. : You have much wider fund selection. : The best choice for IRA is wells fargo (open a PMA checking at the : same time, keep all combined balance > 25k, you get 100 free trades : each year for every account you have). The free trade apply to : stock and mutual fund (including vanguard, Fidelity, etc). : For example, a couple each has a traditional IRA and Roth IRA. : If combined balance in all 4 accounts > 25k, : you have 100 free trade for each account.
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