n******0
发帖数: 298 | 1 在考虑要不要把前一个工作的401k 转成Roth Ira, 假设401k里有40k，tax bracket 是
25%, 退休后40k变80k。
如果现在转成Roth Ira, 要交税40,000x25%=10,000, 将来的40,000 growth 不交税。
如果现在不转，退休后的税率还是25%，则要交税收80,000x25%=20,000。如果退休后税
率是12.5%, 则要交税80,000x12.5%=10,000。
如果annual growth rate 是3%， 25年后4万就变8万了，所以这个假定不离谱。而且退
休后的税率不一定比现在低，所以现在应该把401k转成Roth Ira, 我的想法对吗？ | S**C
发帖数: 2964 | 2 The Congress will find ways to tax ROTH distribution, the same reason why
Willie Sutton robbed the banks...."because that's where the money is." Two
example, national VAT tax with lower income tax rate, or make ROTH
distribution subject to mean-testing. | n******0
发帖数: 298 | 3 这样想，就要不要活了？ 先骗人家不收税，然后又收税，总统不怕下台吗？
这个可能性不大。
【在 S**C 的大作中提到】
: The Congress will find ways to tax ROTH distribution, the same reason why
: Willie Sutton robbed the banks...."because that's where the money is." Two
: example, national VAT tax with lower income tax rate, or make ROTH
: distribution subject to mean-testing.
| S**C
发帖数: 2964 | 4 Before 1984, social security income is not taxable.
Before 1993, only up to 50% of social security income subject to income tax.
Now the portion is 85%.
The congress make laws regarding tax, and the previous congress has no
binding force to the next congress.
【在 n******0 的大作中提到】
: 这样想，就要不要活了？ 先骗人家不收税，然后又收税，总统不怕下台吗？
: 这个可能性不大。
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