h********0
发帖数: 440 | 1 如果有一点多余的闲钱，放在ROTH IRA还是403更灵活些
比如说以后有什么急需，需要早点拿出来的钱
我知道ROTH IRA的钱如果早拿出来，penalty很高
但是403的规则说如果有紧急情况，好像可以early withdraw without penalty。
希望有经验的人给点意见。
多谢了。 |
b******l
发帖数: 299 | 2 Direct contributions to a Roth IRA may be withdrawn tax free at any time.
The rest can be withdrawn in case of emergency without penalty.
【在 h********0 的大作中提到】
: 如果有一点多余的闲钱，放在ROTH IRA还是403更灵活些
: 比如说以后有什么急需，需要早点拿出来的钱
: 我知道ROTH IRA的钱如果早拿出来，penalty很高
: 但是403的规则说如果有紧急情况，好像可以early withdraw without penalty。
: 希望有经验的人给点意见。
: 多谢了。
|
h********0
发帖数: 440 | 3 So, the direct contribution to Roth IRA is like the money we put in our
saving account.
It looks like that it is very flexible.
Thanks for reply. |
n****u
发帖数: 229 | 4 U may need to wait 5 years to withdraw ur contribution
【在 h********0 的大作中提到】
: So, the direct contribution to Roth IRA is like the money we put in our
: saving account.
: It looks like that it is very flexible.
: Thanks for reply.
|
b******l
发帖数: 299 | 5 If your contribution comes from conversion (from traditional IRA or 401K),
you need to wait 5 years to withdraw that part. However, your direct
contribution from after-tax money can be withdrawn any time. For more
information, you can read http://en.wikipedia.org/wiki/Roth_ira . The
recommendation is that, you should not withdraw your Roth IRA principal
unless absolutely necessary.
【在 n****u 的大作中提到】
: U may need to wait 5 years to withdraw ur contribution
|
h********0
发帖数: 440 | 6 Thanks a lot.
I will read the information in your recommended list.
【在 b******l 的大作中提到】
: If your contribution comes from conversion (from traditional IRA or 401K),
: you need to wait 5 years to withdraw that part. However, your direct
: contribution from after-tax money can be withdrawn any time. For more
: information, you can read http://en.wikipedia.org/wiki/Roth_ira . The
: recommendation is that, you should not withdraw your Roth IRA principal
: unless absolutely necessary.
|
