n********e
发帖数: 1789 | 1 Deductible就是说可以降低MAGI?
如果2个人都工作，都有401K，MAGI收入高于110k。是不是就不能放Deductible IRA，
只能放税后的钱到Roth IRA?
谢谢 |
f*******n
发帖数: 12623 | 2 是。
【在 n********e 的大作中提到】
: Deductible就是说可以降低MAGI?
: 如果2个人都工作，都有401K，MAGI收入高于110k。是不是就不能放Deductible IRA，
: 只能放税后的钱到Roth IRA?
: 谢谢
|
g*******0
发帖数: 2152 | 3 NO. Educate yourself by going to fidelity or vanguard.
Traditional IRA is tax deductible and there is no income limit.
Roth IRA you contribute with after tax money and grow tax free. Full
contribution income limit for couple file jointly is 169K.
I am always confused why people have so much money to save for retirement.
If you max your 401k contribution you will spend 32000/year. How many people
have that much extra money to save for retirement?
Good thing about Roth IRA is you could withdraw the contribution anytime for
any reason without penalty.
【在 n********e 的大作中提到】
: Deductible就是说可以降低MAGI?
: 如果2个人都工作，都有401K，MAGI收入高于110k。是不是就不能放Deductible IRA，
: 只能放税后的钱到Roth IRA?
: 谢谢
|
f*******n
发帖数: 12623 | 4 他说的错吗？There is an income limit to deduct a Traditional IRA on your tax
return, and he explicitly said "deductible" IRA.
people
for
【在 g*******0 的大作中提到】
: NO. Educate yourself by going to fidelity or vanguard.
: Traditional IRA is tax deductible and there is no income limit.
: Roth IRA you contribute with after tax money and grow tax free. Full
: contribution income limit for couple file jointly is 169K.
: I am always confused why people have so much money to save for retirement.
: If you max your 401k contribution you will spend 32000/year. How many people
: have that much extra money to save for retirement?
: Good thing about Roth IRA is you could withdraw the contribution anytime for
: any reason without penalty.
|
s********z
发帖数: 5411 | 5 hehe, educate yourself first.
people
for
【在 g*******0 的大作中提到】
: NO. Educate yourself by going to fidelity or vanguard.
: Traditional IRA is tax deductible and there is no income limit.
: Roth IRA you contribute with after tax money and grow tax free. Full
: contribution income limit for couple file jointly is 169K.
: I am always confused why people have so much money to save for retirement.
: If you max your 401k contribution you will spend 32000/year. How many people
: have that much extra money to save for retirement?
: Good thing about Roth IRA is you could withdraw the contribution anytime for
: any reason without penalty.
|
c**********0
发帖数: 624 | 6 No.
Part of all of a contribution to a traditional IRA may be nodeductible if the taxpayer(or spouse) is an active participant in an employer-sponsored retirement plan and his modified AGI exceeds certain limits. |
