g*****b
发帖数: 44 | 1 我的tax bracket 是25%,工资水平低于phaseout range， 公司有401k，但是401k里的
放的钱不多。我这种情况是应该放traditional IRA 还是Roth呢？算了一下要是放
traditional IRA，能省1000多的税。 |
t***s
发帖数: 4666 | 2 you sure you can deduct trad ira?
【在 g*****b 的大作中提到】
: 我的tax bracket 是25%,工资水平低于phaseout range， 公司有401k，但是401k里的
: 放的钱不多。我这种情况是应该放traditional IRA 还是Roth呢？算了一下要是放
: traditional IRA，能省1000多的税。
|
g*****b
发帖数: 44 | 3 不是说只要income level 低于phaseout range就都能全投deductable traditional
ira么？难得我理解错了？
【在 t***s 的大作中提到】
: you sure you can deduct trad ira?
|
t***s
发帖数: 4666 | 4 and the limit is?
【在 g*****b 的大作中提到】
: 不是说只要income level 低于phaseout range就都能全投deductable traditional
: ira么？难得我理解错了？
|
g*****b
发帖数: 44 | 5 sorry, i don't quite understand your question.
did you mean the 401k limit or the ira limit? Isn't the 401k limit $16500
and $5000 for ira? I thought these two have nothing to do with each other.
And since my income is lower than the phaseout range, I could contribute $
5000 to a deductable traditional ira.
Please correct me if I am wrong. Thanks.
【在 t***s 的大作中提到】
: and the limit is?
|
t***s
发帖数: 4666 | 6 what is this phase out range in your mind?
【在 g*****b 的大作中提到】
: sorry, i don't quite understand your question.
: did you mean the 401k limit or the ira limit? Isn't the 401k limit $16500
: and $5000 for ira? I thought these two have nothing to do with each other.
: And since my income is lower than the phaseout range, I could contribute $
: 5000 to a deductable traditional ira.
: Please correct me if I am wrong. Thanks.
|
w***n
发帖数: 1519 | 7 两个你都eligible，但是总额是5000。各有各的优缺点，很难说清哪个更适合你。如果
你预期将来税率比现在高可以考虑投roth，否则可以投traditional。
【在 g*****b 的大作中提到】
: 我的tax bracket 是25%,工资水平低于phaseout range， 公司有401k，但是401k里的
: 放的钱不多。我这种情况是应该放traditional IRA 还是Roth呢？算了一下要是放
: traditional IRA，能省1000多的税。
|
