n****y 发帖数: 819 | 1 最近在看traditional 和 Roth ira 的区别,发现很重要的一点是需要知道退休时候的
tax rate? 这个怎么估计呢?是和social security有关吗?
另外一点是我现在自己是学生, lg是postdoc, 现在交的税很少,以后工作了税可能
会越来越多, 如果税率在变化的话, 怎么确定是traditional 还是Roth呢?
多谢! | f*******n 发帖数: 12623 | | g*****g 发帖数: 34805 | 3 If you don't earn much, ROTH. If you have a good job and you have 401K, you
are not qualified for traditional so still ROTH. If you earn a lot, backdoor
ROTH is the only option.
Traditional is not for most Chinese I think.
【在 n****y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 最近在看traditional 和 Roth ira 的区别,发现很重要的一点是需要知道退休时候的 : tax rate? 这个怎么估计呢?是和social security有关吗? : 另外一点是我现在自己是学生, lg是postdoc, 现在交的税很少,以后工作了税可能 : 会越来越多, 如果税率在变化的话, 怎么确定是traditional 还是Roth呢? : 多谢!
| f*******n 发帖数: 12623 | 4 Yes, basically, the case for Traditional is if you are not covered by a 401k
and you earn a lot.
you
backdoor
【在 g*****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : If you don't earn much, ROTH. If you have a good job and you have 401K, you : are not qualified for traditional so still ROTH. If you earn a lot, backdoor : ROTH is the only option. : Traditional is not for most Chinese I think.
| K*******4 发帖数: 294 | 5 Hello, I have 403b, am I qualified for traditional IRA? I used tubro tax,
seems it said I am qualified.
Traditional is not for most Chinese I think. How do you think so?
thanks
you
backdoor
【在 g*****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : If you don't earn much, ROTH. If you have a good job and you have 401K, you : are not qualified for traditional so still ROTH. If you earn a lot, backdoor : ROTH is the only option. : Traditional is not for most Chinese I think.
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