t**********g 发帖数: 920 | 1 才开始工作,公司不match 401K,但提供一个退休基金公司叫什么great west,可以买
mutual fund。应该参加么?有啥好处?还是说应该自己在外面建一个IRA?普通IRA和
Roth有什么区别喃?又有什么好处?
另外,其实我也不懂那个great west里面是不是就是大家说的mutual fund,我看里面
一推什么index,fund。举个例子,里面有一个叫Maxim S&P 500 Index,然后fund
operating expense是0.6%,还有叫什么goldman sachs mid cap value fund A,JP
Morgan High Yield Bond。这些都是大家说的mutual fund吧?怎么看哪个盈利喃?
另外开这个账户还要收钱,开户75,管理费50,disbursement fee 50,periodic
payment fee 50。我都不知道这后两项钱是做啥的。资金小于10万,还有0.65%的账户
管理费,觉得一年赚这些苛捐杂费都是个问题。大家的账户都要收这些钱? |
S**C 发帖数: 2964 | 2 Stay away from that terrible 401(k) unless you swear-to-god plan to leave
your current company within, say, 3 years so you can accumulate and then
rollover all your assets to an IRA. |
S**C 发帖数: 2964 | |
t**********g 发帖数: 920 | 4 多谢回帖。三年内离职就划算么?
【在 S**C 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Stay away from that terrible 401(k) unless you swear-to-god plan to leave : your current company within, say, 3 years so you can accumulate and then : rollover all your assets to an IRA.
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t**********g 发帖数: 920 | 5 没有match,可以自己投到个基金账户来投资。感觉和ira比反而不划算了 |
t*m 发帖数: 4414 | 6 看漏了,对不起。
【在 S**C 的大作中提到】![](/moin_static193/solenoid/img/up.png) : He said no match
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S**C 发帖数: 2964 | 7 But after he leave his company, he can roll his asset over to an IRA to have
it grow tax-deferred. If his stay in that company is not so long, I think
401(k) is still worth consideration, although it is bad.
Of course, IRA first, then 401(k) with no match.
【在 t**********g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 没有match,可以自己投到个基金账户来投资。感觉和ira比反而不划算了
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m**********r 发帖数: 887 | 8 我要是楼主,我就自己在外面开一个 roth IRA放满,然后再开一个traditional IRA
Vanguard 和Fidelity 都可以 |
d*****r 发帖数: 273 | 9 You can not put money in to a traditional IRA after you have contributed the
maximum to a roth ira in the same year.
【在 m**********r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我要是楼主,我就自己在外面开一个 roth IRA放满,然后再开一个traditional IRA : Vanguard 和Fidelity 都可以
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m**********r 发帖数: 887 | 10 嗯,你是对的,我弄混了。
the
【在 d*****r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : You can not put money in to a traditional IRA after you have contributed the : maximum to a roth ira in the same year.
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t**********g 发帖数: 920 | 11 给指点下,Roth IRA和我这种没有match的401K到底有什么区别呢?
【在 m**********r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我要是楼主,我就自己在外面开一个 roth IRA放满,然后再开一个traditional IRA : Vanguard 和Fidelity 都可以
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g*****g 发帖数: 34805 | 12 You can do both if your income doesn't exceed limit.
Google what's roth ira.
【在 t**********g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 给指点下,Roth IRA和我这种没有match的401K到底有什么区别呢?
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