b********i 发帖数: 1252 | 1 请教大家一个问题,
每年IRA的5500元,我可以每个月买大约400--500元的基金等,不管是涨是跌,坚持投
;也可以一次性(或者分少数几次)投入到某(几)个基金里面去。
我不知道一般这种IRA的投资原则是什么,是第一种还是第二种?请大家指教了。多谢
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S**C 发帖数: 2964 | 2 What difference will it make? Even 10% return difference on that $5,500
capital is only $550. Remember your family need 2-3 million USD (Year 2014
dollar) to retire comfortably. While one should not underestimate the power
of componding, it is still a few drops in a bucket.
【在 b********i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 请教大家一个问题, : 每年IRA的5500元,我可以每个月买大约400--500元的基金等,不管是涨是跌,坚持投 : ;也可以一次性(或者分少数几次)投入到某(几)个基金里面去。 : 我不知道一般这种IRA的投资原则是什么,是第一种还是第二种?请大家指教了。多谢 : 。
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b********i 发帖数: 1252 | 3 million?
are you kidding me?
What the most of the money comes from then?
I know the salary is minimal as well compared with the million.
Thanks.
power
【在 S**C 的大作中提到】![](/moin_static193/solenoid/img/up.png) : What difference will it make? Even 10% return difference on that $5,500 : capital is only $550. Remember your family need 2-3 million USD (Year 2014 : dollar) to retire comfortably. While one should not underestimate the power : of componding, it is still a few drops in a bucket.
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S**C 发帖数: 2964 | 4 No I am not. If you are retired in the current low return environment, to
withdraw safely, 3-3.5% is about right, so $2MM gives you 60-70k annual
withdrawal, that is not a lot of dough. Adding SS income, you end up with 80
-120K, depending on if two of you eligible for SS, and how much SS reduction
we will have 30 years from now. A 20% average tax rate will give you 64-96K
to spend, I think my wife and me need at least that much to retire
comfortably, so $2MM besides paid-off primary residence is our minimum
target.
【在 b********i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : million? : are you kidding me? : What the most of the money comes from then? : I know the salary is minimal as well compared with the million. : Thanks. : : power
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r****m 发帖数: 1204 | 5 如果你对2014市场没信心, 就按月投吧. 如果你的horizon还很长, 一次投没问题的. |
t*m 发帖数: 4414 | |
f*******n 发帖数: 12623 | 7 第一个交易日你不知道你整年的税的情况是怎么样的。
【在 t*m 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 每年都是第一个交易日,就把IRA放满。
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D****y 发帖数: 462 | 8 去年年初贡献了5500,现在一算,发现收入超标了,应该怎么办啊?
【在 f*******n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 第一个交易日你不知道你整年的税的情况是怎么样的。
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t*m 发帖数: 4414 | 9 On the 1st trading day of the year, I fund $5500 to my non-deductible
traditional IRA account at Vanguard. I buy the money market fund
One the 2nd trading day of the year, I do a "roth-conversion", moving the $
5500 from traditional IRA to Roth IRA. Herein, I can buy the fund I want to
hold for long term (e.g. an S&P500 fund)
【在 D****y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 去年年初贡献了5500,现在一算,发现收入超标了,应该怎么办啊?
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