h***y 发帖数: 710 | 1 刚工作,已婚无孩,家庭年收入90K+,公司有profit sharing但是401K不match.
我们的profit sharing就是每年按工资一定比率发公司股票。工作时间越长比率越高。
像我这种新人是年薪的5%,比率每年递增0.7%,到20%封顶(不过得在干10几年才行)。
因为我们的401K不match(公司说profit sharing白给工资的 5% - 20% 已经很给力了
),所以对我来说投401K似乎没什么特别的吸引力。
我现在只有一个Roth IRA,想每年10K投满(我和我太太),剩下的有富余再投401K,
大家看看这个策略对头吗? |
d*****r 发帖数: 273 | |
s**********d 发帖数: 36899 | 3 基本对。不过存401(k) lowers your AGI,可能带来别的好处。
你先算一下make sure把marginal tax bracket降到<25%。 |
c*****n 发帖数: 83 | |
h***y 发帖数: 710 | 5 Roth税后收入进去,以后税全免
401K税前收入进去,取出来时再交税 |
s***e 发帖数: 267 | 6 如果存满roth和401k对生活质量没有影响,就尽量多点。
个人觉得roth优先级大点,因为你目前税率比较低,将来税率肯定比这个高。当然存多
了了401K肯定会把税率再降些。
)。
【在 h***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 刚工作,已婚无孩,家庭年收入90K+,公司有profit sharing但是401K不match. : 我们的profit sharing就是每年按工资一定比率发公司股票。工作时间越长比率越高。 : 像我这种新人是年薪的5%,比率每年递增0.7%,到20%封顶(不过得在干10几年才行)。 : 因为我们的401K不match(公司说profit sharing白给工资的 5% - 20% 已经很给力了 : ),所以对我来说投401K似乎没什么特别的吸引力。 : 我现在只有一个Roth IRA,想每年10K投满(我和我太太),剩下的有富余再投401K, : 大家看看这个策略对头吗?
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k******e 发帖数: 1579 | 7 Why you tax rate is lower now? When you retired, you have no income, the tax
rate should be even lower. Correct me if I'm wrong.
【在 s***e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 如果存满roth和401k对生活质量没有影响,就尽量多点。 : 个人觉得roth优先级大点,因为你目前税率比较低,将来税率肯定比这个高。当然存多 : 了了401K肯定会把税率再降些。 : : )。
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n*******0 发帖数: 1480 | 8 ROTH税后进去,出来时本金免税,收益交税
任何IRA都是全部征税的,只是时间前后问题
【在 h***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Roth税后收入进去,以后税全免 : 401K税前收入进去,取出来时再交税
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T*********e 发帖数: 9208 | 9
~~~~~~~no,that's double tax
【在 n*******0 的大作中提到】![](/moin_static193/solenoid/img/up.png) : ROTH税后进去,出来时本金免税,收益交税 : 任何IRA都是全部征税的,只是时间前后问题
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t*m 发帖数: 4414 | 10
~~~~~~~~~~~~~~~~~~
it's not double tax
it's non-deductible IRA
【在 T*********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : : ~~~~~~~no,that's double tax
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D******y 发帖数: 3780 | 11 ROTH no tax for profit, when you take it out after 59.5
【在 n*******0 的大作中提到】![](/moin_static193/solenoid/img/up.png) : ROTH税后进去,出来时本金免税,收益交税 : 任何IRA都是全部征税的,只是时间前后问题
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T*********e 发帖数: 9208 | 12
i think you can take it out at anytime, it has been discussed before.
when you fill the tax form, at the end, it will set taxable amount
to 0.
【在 D******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : ROTH no tax for profit, when you take it out after 59.5
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D******y 发帖数: 3780 | 13 no tax for your 本金. there is tax + early withdraw penalty for the profit.
that is how I understand...
【在 T*********e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : : i think you can take it out at anytime, it has been discussed before. : when you fill the tax form, at the end, it will set taxable amount : to 0.
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T*********e 发帖数: 9208 | 14 ok, you are right. you have to have some justifications to withdraw earnings
without paying tax and penalty.
Distributions
Direct contributions may be withdrawn at any time.[1] Eligible (tax and pena
lty free) distributions of earnings must fulfill two requirements. First, th
e seasoning period of five years must have elapsed, and secondly a justifica
tion must exist such as retirement or disability. The simplest justification
is reaching 59.5 years of age, at which point qualified withdrawals may be
made in any amount on any schedule. Becoming disabled or being a "first time
" home buyer can provide justification for limited qualified withdrawals. Fi
nally, although one can take distributions from a Roth IRA under the substan
tially equal periodic payments (SEPP) rule without paying a 10% penalty,[7]
any interest[vague] earned in the IRA will be subject to tax[8]—a substanti
al penalty which forfeits the primary tax benefits of the Roth IRA.
.
【在 D******y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : no tax for your 本金. there is tax + early withdraw penalty for the profit. : that is how I understand...
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