m******t
发帖数: 165 | 1 基本上没有利用上退休账号的tax benefit. international fund 都已经付了foreign
tax.
如果是在taxable account, 可以用来抵税，算了一下，paid foreign tax大概是
dividen 的
10%。这样等于5%的税。而将来退休账号的distribution要以收入税率交。 |
p********a
发帖数: 6437 | 2 it is actually quite tragic if one invest heavily into these retirement
accounts.
at the current pace of the world, one has to spend some efforts in order to
have a peaceful retired life.
and very important to find a way to avoid tax. |
t*m
发帖数: 4414 | 3 good point. 我IRA里多年的Vanguard Target Retirement 2040 Fund (VFORX)
亏惨了。
怎么办？吧 IRA/401K 里面的 international funds 换成 domestic funds?
non-retirement account里做对应调整？
谢谢!
foreign
【在 m******t 的大作中提到】
: 基本上没有利用上退休账号的tax benefit. international fund 都已经付了foreign
: tax.
: 如果是在taxable account, 可以用来抵税，算了一下，paid foreign tax大概是
: dividen 的
: 10%。这样等于5%的税。而将来退休账号的distribution要以收入税率交。
|
j****h
发帖数: 219 | |
S**C
发帖数: 2964 | 5 #1, never let tax tail wag your investment dog.
#2, while one need to be tax conscience, international funds typically are
not as tax efficient as domestic large cap funds.
【在 t*m 的大作中提到】
: good point. 我IRA里多年的Vanguard Target Retirement 2040 Fund (VFORX)
: 亏惨了。
: 怎么办？吧 IRA/401K 里面的 international funds 换成 domestic funds?
: non-retirement account里做对应调整？
: 谢谢!
:
: foreign
|
t*m
发帖数: 4414 | 6 you are right. will VWO or SCHE be tax efficient?
【在 S**C 的大作中提到】
: #1, never let tax tail wag your investment dog.
: #2, while one need to be tax conscience, international funds typically are
: not as tax efficient as domestic large cap funds.
|
