d********a 发帖数: 60 | 1 刚刚工作,5万年薪,买401k公司规定最多能买1万6,那是不是我买limit了以后,剩下的3
万4只要按照3万4的税率加税了?这不是比5万的税率少很多.这是不是一种避税方法呢?
请指教! | s********y 发帖数: 3811 | 2 yes, but for the money you put into 401k, you cannot use them whenever you
want anymore...
3
【在 d********a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 刚刚工作,5万年薪,买401k公司规定最多能买1万6,那是不是我买limit了以后,剩下的3 : 万4只要按照3万4的税率加税了?这不是比5万的税率少很多.这是不是一种避税方法呢? : 请指教!
| s********i 发帖数: 17328 | 3 401k是tax deferred,是现在不交税。像2楼说的,几十年后才能拿出来用。 | c**********0 发帖数: 624 | 4 try Roth IRA. traditional IRA can't be with drawled before 59.5 years old.
otherwise subject to tax and 10% penalty | p********r 发帖数: 1980 | 5 Yes, you will have lower tax. But 401K only delays tax until your retirement
age and because your income tax bracket is relatively low at the moment. It
is possible that your eventual tax rate on that income will end up higher
when you retire...especially if you plan to max out 401K every year.
3
【在 d********a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 刚刚工作,5万年薪,买401k公司规定最多能买1万6,那是不是我买limit了以后,剩下的3 : 万4只要按照3万4的税率加税了?这不是比5万的税率少很多.这是不是一种避税方法呢? : 请指教!
| j****y 发帖数: 1714 | 6 Your income is so low. You should buy some Roth IRA besides 401k. |
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