M****n
发帖数: 8 | 1 目前工作中，每月有些余钱不知该怎么办。
放在银行里，年利息只有1%左右。因为利息税和通货膨胀，实际上每天都在损钱。
买房子，可是又怕几年后万一换工作，房子不好卖，就被套牢了。
投进IRA，可以少交些税，可是退休前拿不出来（除非交罚金），没法机动。
请问大家一般放百分之多少的钱在pre-tax的IRA里面？
先谢谢了。 | s*****n
发帖数: 2174 | 2 it depends on a lot of factors.
1) do you have 401K from your employer? any match? how much?
2) what's your income range? do you expect tax rate to be higher or lower
after retirement?
3) what states are you in? high/low/no state income tax?
4) how much 401K, pretax IRA, ROTH IRA savings do you have?
5) how much money do you have in taxable accounts?
6) any expected need for money in the next 10 years?
7) what's your investment/expectation style? conservative vs aggressive? how
much risk (or loss) can you afford, both financially and mentally?
you have to do you own homework and decide on your own. Nobody can give you
advices without knowing these. | h********8
发帖数: 7355 | |
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