D********g
发帖数: 650 | 1 去年的average FED tax rate 25%, margin rate 在33%~35%的样子，加上SS + Med
没有州税，请问是存Roth 401k 还是 traditionl 401k？版上考古了一下似乎trad更
make sense?
请大侠指点，谢谢！ | s********y
发帖数: 3811 | 2 how do you know that you won't move?
【在 D********g 的大作中提到】
: 去年的average FED tax rate 25%, margin rate 在33%~35%的样子，加上SS + Med
: 没有州税，请问是存Roth 401k 还是 traditionl 401k？版上考古了一下似乎trad更
: make sense?
: 请大侠指点，谢谢！
| t***s
发帖数: 4666 | 3 roth
【在 D********g 的大作中提到】
: 去年的average FED tax rate 25%, margin rate 在33%~35%的样子，加上SS + Med
: 没有州税，请问是存Roth 401k 还是 traditionl 401k？版上考古了一下似乎trad更
: make sense?
: 请大侠指点，谢谢！
| a*p
发帖数: 209 | 4 I would go for the traditional 401K.
Marginal tax rate is always higher than effective tax rate. It is better to
save tax now on the marginal rate(a 40% saving) and distribute it later on a
lower effective tax rate. Your tax bracket is at the highest level. It is
unlikely your retirement tax bracket would be significantly higher than this
, (well, who knows). In addition, you may control your 401k distribution to
achieve a lower effective rate.
BTW, admiring your high income. Are you in the 1 percent club or the 2
percent club?.:)
【在 D********g 的大作中提到】
: 去年的average FED tax rate 25%, margin rate 在33%~35%的样子，加上SS + Med
: 没有州税，请问是存Roth 401k 还是 traditionl 401k？版上考古了一下似乎trad更
: make sense?
: 请大侠指点，谢谢！
|
|
