j****e 发帖数: 264 | 1 单位除了401k,还有403b。上限是16500。
不是很清楚这个403b。是不是也想401k,可以尽可能多的往里面放钱,好处是可以减税?
请达人执教。谢谢。 | c****e 发帖数: 2097 | 2 同问
税?
【在 j****e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 单位除了401k,还有403b。上限是16500。 : 不是很清楚这个403b。是不是也想401k,可以尽可能多的往里面放钱,好处是可以减税? : 请达人执教。谢谢。
| y****e 发帖数: 23939 | | a**e 发帖数: 5794 | 4 当然可以,除了这两个还可以有457。
【在 y****e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 怎么可能同时有401k和403b?
| s*****n 发帖数: 2174 | 5 403B, 401K, 457 三个plan都类似, 区别不是很大, 只是针对不同类型的雇主而已.
三个plan有一个总共的contribution cap = $16,500/year.
你要是放满了401K, 就不能再放403B了.
税?
【在 j****e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 单位除了401k,还有403b。上限是16500。 : 不是很清楚这个403b。是不是也想401k,可以尽可能多的往里面放钱,好处是可以减税? : 请达人执教。谢谢。
| a**r 发帖数: 661 | 6 not true
My previous employer has both 403b and 457b plan, each has a cap of $16500
so you can contribute $33000
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 403B, 401K, 457 三个plan都类似, 区别不是很大, 只是针对不同类型的雇主而已. : 三个plan有一个总共的contribution cap = $16,500/year. : 你要是放满了401K, 就不能再放403B了. : : 税?
| s*****n 发帖数: 2174 | 7 oh, you are right. 457 has a separate contribution limit.
401k and 403b share one single limit of $16500.
$16500
【在 a**r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : not true : My previous employer has both 403b and 457b plan, each has a cap of $16500 : so you can contribute $33000
| a**e 发帖数: 5794 | 8 401a和403b有各自的上限,401k不清楚。
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : oh, you are right. 457 has a separate contribution limit. : 401k and 403b share one single limit of $16500. : : $16500
| c*****x 发帖数: 429 | 9 You could have 401a, 403b, and 457b, all three at the same time, each with
its separate limit.
I believe the limit of 401k is also independent of that of 403b. | h****d 发帖数: 322 | 10 403 and 457 has separate cap.
The difference is HUGE:
you may take loan from 403, but not from 457
457 may not have early distribution penalty, but 403 does.
【在 s*****n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 403B, 401K, 457 三个plan都类似, 区别不是很大, 只是针对不同类型的雇主而已. : 三个plan有一个总共的contribution cap = $16,500/year. : 你要是放满了401K, 就不能再放403B了. : : 税?
| c*****x 发帖数: 429 | 11 You can withdraw from 457 penalty free even before retirement, once you
leave the current employer.
【在 h****d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 403 and 457 has separate cap. : The difference is HUGE: : you may take loan from 403, but not from 457 : 457 may not have early distribution penalty, but 403 does.
| s*******d 发帖数: 126 | 12 可以尽可能多的往里面放钱
definitely
好处是可以减税?
yes.
The more money you put away for tax deferred growth, the better. Reason one
is to take the tax advantage, like you said, which directly translates to an
instantaneous growth by a large amount. More importantly, if you *train*
yourself to live on less income, by the time you retire, your money will go
twice as far, for that you will have more money avaliable and you will need
less money to live on.
税?
【在 j****e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 单位除了401k,还有403b。上限是16500。 : 不是很清楚这个403b。是不是也想401k,可以尽可能多的往里面放钱,好处是可以减税? : 请达人执教。谢谢。
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