v******u 发帖数: 451 | 1 家庭收入在deductible traditional IRA和Roth IRA上限之间,tax bracket 25%,无
州税,401K现在放到雇主match的部分(很少<5%)。我们的退休计划是
1)max out roth
2)放更多的钱到401K,使tax bracket降到15%
请问该资金分配是否合理?如果还有多余的钱是该投到401K还是放到non-deductible
traditional IRA?多谢。 |
s****i 发帖数: 2993 | 2 Always max out 401k first.
Lower AGI brings in many benefits. |
M*******s 发帖数: 1210 | 3 given your current bracket is 25%, it's hard to lower tax bracket to 15% i
suspect...
it makes sense to me to set the seriatim as follow: 401k match -> roth ira
-> extra 401k
【在 v******u 的大作中提到】 : 家庭收入在deductible traditional IRA和Roth IRA上限之间,tax bracket 25%,无 : 州税,401K现在放到雇主match的部分(很少<5%)。我们的退休计划是 : 1)max out roth : 2)放更多的钱到401K,使tax bracket降到15% : 请问该资金分配是否合理?如果还有多余的钱是该投到401K还是放到non-deductible : traditional IRA?多谢。
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s********n 发帖数: 4535 | 4 正因为降不到15%,也就是说401k所有的都在25%这个bracket下,那就更应该先放401k吧
如果401k match放完后就能降到15% tax bracket,那就应该先放 roth ira再放extra
401k
i
ira
【在 M*******s 的大作中提到】 : given your current bracket is 25%, it's hard to lower tax bracket to 15% i : suspect... : it makes sense to me to set the seriatim as follow: 401k match -> roth ira : -> extra 401k
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M*******s 发帖数: 1210 | 5 sounds right to me.
the comparison you have to make is pay tax now, or pay tax later.
i don't know when the tax rate will be in 30 years, but current us tax rate
is low if you look back into history.
401k吧
extra
【在 s********n 的大作中提到】 : 正因为降不到15%,也就是说401k所有的都在25%这个bracket下,那就更应该先放401k吧 : 如果401k match放完后就能降到15% tax bracket,那就应该先放 roth ira再放extra : 401k : : i : ira
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f*******n 发帖数: 12623 | 6
This part doesn't make sense. You can only put $5000 max per year into
traditional IRAs and Roth IRAs combined. Why would you put money into a non-
deductible traditional IRA instead of a Roth IRA? Roth IRA is strictly
better than a non-deductible traditional IRA.
【在 v******u 的大作中提到】 : 家庭收入在deductible traditional IRA和Roth IRA上限之间,tax bracket 25%,无 : 州税,401K现在放到雇主match的部分(很少<5%)。我们的退休计划是 : 1)max out roth : 2)放更多的钱到401K,使tax bracket降到15% : 请问该资金分配是否合理?如果还有多余的钱是该投到401K还是放到non-deductible : traditional IRA?多谢。
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z**********i 发帖数: 12276 | 7 我们的好像是20%,多少收入可以降到15%?
【在 v******u 的大作中提到】 : 家庭收入在deductible traditional IRA和Roth IRA上限之间,tax bracket 25%,无 : 州税,401K现在放到雇主match的部分(很少<5%)。我们的退休计划是 : 1)max out roth : 2)放更多的钱到401K,使tax bracket降到15% : 请问该资金分配是否合理?如果还有多余的钱是该投到401K还是放到non-deductible : traditional IRA?多谢。
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z**********i 发帖数: 12276 | 8 2011, 25%, married, 69000-139000.
这个是交了mortgage之后的吗?
【在 v******u 的大作中提到】 : 家庭收入在deductible traditional IRA和Roth IRA上限之间,tax bracket 25%,无 : 州税,401K现在放到雇主match的部分(很少<5%)。我们的退休计划是 : 1)max out roth : 2)放更多的钱到401K,使tax bracket降到15% : 请问该资金分配是否合理?如果还有多余的钱是该投到401K还是放到non-deductible : traditional IRA?多谢。
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c**********0 发帖数: 624 | 9 seems if you quit qualified plan from the employer( defined benefit excepted
), you can deducte all the contribution of your own IRA.
25% to 15%, more information needed. any education, health saving account,
FSA? |