d**********1 发帖数: 267 | 1 新人一枚
最近美国银行的Merril Edge的销售总在找我让我办529教育基金和Roth IRA,我看版里
讨论ME的不多,不知道有没有大神知道这个Merril Edge怎么样?
另外如果办529和Roth IRA的话还有啥别的选择么?那个销售一直向我推荐Roth IRA而
不是Traditional IRA,我看版里似乎大家也推荐Roth IRA的多,有什么理由么?
Traditional IRA不是能避税么?
谢谢大家帮忙了,回答任何一个问题,或者就是说说某些看法和经验都行。 |
d**********1 发帖数: 267 | |
i****n 发帖数: 627 | |
h****g 发帖数: 259 | 4 投资一般不推荐用银行,因为收费太高。直接去基金比较好,建议去vanguard看看
如果你有401k,tIRA避税必须收入很低才行。老中的收入水平基本上都是Roth最好
投资顺序一般是401k match -> Roth -> 401k max -> 529/HSA/taxable,新手的话先
去http://www.bogleheads.org/wiki/Main_Page学习一下
【在 d**********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 新人一枚 : 最近美国银行的Merril Edge的销售总在找我让我办529教育基金和Roth IRA,我看版里 : 讨论ME的不多,不知道有没有大神知道这个Merril Edge怎么样? : 另外如果办529和Roth IRA的话还有啥别的选择么?那个销售一直向我推荐Roth IRA而 : 不是Traditional IRA,我看版里似乎大家也推荐Roth IRA的多,有什么理由么? : Traditional IRA不是能避税么? : 谢谢大家帮忙了,回答任何一个问题,或者就是说说某些看法和经验都行。
|
l***s 发帖数: 841 | 5 我觉得401k max >> Roth, 除非tax bracket不高于25%。
【在 h****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 投资一般不推荐用银行,因为收费太高。直接去基金比较好,建议去vanguard看看 : 如果你有401k,tIRA避税必须收入很低才行。老中的收入水平基本上都是Roth最好 : 投资顺序一般是401k match -> Roth -> 401k max -> 529/HSA/taxable,新手的话先 : 去http://www.bogleheads.org/wiki/Main_Page学习一下
|
h****g 发帖数: 259 | 6 You are right. For people in 33% tax bracket or higher, 401k is the better
choice. But with income this high, all tax advantaged space should be filled.
It is very tricky for 25% and 28%. I still like Roth better because:
1. more flexibility, especially for early retirement
2. easier to max out (5.5k vs. 17.5k)
3. diversification in terms of tax treatment |
d**********1 发帖数: 267 | 7 这样啊,我也在想好像版里面没见到有谁提到ME,那我就去vanguard和fidelity看看吧
。谢谢大神!
401k是什么,我好像有一个叫403B的东西,是不是类似?每个月自己和单位往里存钱,
没听HR说比例可以调整,似乎是固定的,用的都是default。
Roth是多少以上比较好呢,我家现在一家三口单职工,毛收入9-10万吧,是Roth还是t
好呢?BogleHeads那里我好好学习一下。。。
【在 h****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 投资一般不推荐用银行,因为收费太高。直接去基金比较好,建议去vanguard看看 : 如果你有401k,tIRA避税必须收入很低才行。老中的收入水平基本上都是Roth最好 : 投资顺序一般是401k match -> Roth -> 401k max -> 529/HSA/taxable,新手的话先 : 去http://www.bogleheads.org/wiki/Main_Page学习一下
|
d**********1 发帖数: 267 | 8 401k都可以申请么?我的那个好像叫403B,我去HR问问可以不可以提高缴纳比例什么的。
【在 l***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我觉得401k max >> Roth, 除非tax bracket不高于25%。
|
d**********1 发帖数: 267 | 9 我正好是25%,看来roth比较好,不过我好想得先弄清楚403b和401k的区别。。。
filled.
【在 h****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : You are right. For people in 33% tax bracket or higher, 401k is the better : choice. But with income this high, all tax advantaged space should be filled. : It is very tricky for 25% and 28%. I still like Roth better because: : 1. more flexibility, especially for early retirement : 2. easier to max out (5.5k vs. 17.5k) : 3. diversification in terms of tax treatment
|
h****g 发帖数: 259 | 10 403b is for non-profit. Works the same way as 401k. Contributions could be
fixed or flexible depending on your employer.
Check with your HR department about additional saving programs. My employer
has a fixed 403b, a flexible 403b and a 457 plan.
I think Roth is better for your situation, especially if you can reduce your
AGI to 15% bracket with 403b contribution.
t
【在 d**********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 这样啊,我也在想好像版里面没见到有谁提到ME,那我就去vanguard和fidelity看看吧 : 。谢谢大神! : 401k是什么,我好像有一个叫403B的东西,是不是类似?每个月自己和单位往里存钱, : 没听HR说比例可以调整,似乎是固定的,用的都是default。 : Roth是多少以上比较好呢,我家现在一家三口单职工,毛收入9-10万吧,是Roth还是t : 好呢?BogleHeads那里我好好学习一下。。。
|
|
|
d**********1 发帖数: 267 | 11 太谢谢啦!这位前辈好像对我这种情况比较了解。我去问问能不能+403b的贡献值,那
个17500的限制是针对自己工资的吧,不包括单位Match的部分?
恩,交了403b和529貌似我就能降到15% bracket了。Roth和529有好的broker推荐么?
employer
your
【在 h****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 403b is for non-profit. Works the same way as 401k. Contributions could be : fixed or flexible depending on your employer. : Check with your HR department about additional saving programs. My employer : has a fixed 403b, a flexible 403b and a 457 plan. : I think Roth is better for your situation, especially if you can reduce your : AGI to 15% bracket with 403b contribution. : : t
|
h****g 发帖数: 259 | 12 我可不是什么前辈,也不是大神,呵呵
17.5k不含match
Roth去Vanguard就行了,别忘了给LD也开一个。529要先看本州有没有税上的优惠。如
果没有,就不如直接上taxable了。实在想存的话,ny和utah的529都不错。 |
d**********1 发帖数: 267 | 13 恩,我还以为529都是免税的呢,我在德州没有州税,联邦税我看了半天没看明白,貌
似是不能抵扣税款,但是收益是免税的,就像Roth,但是只能用于教育支出?又说支取
的时候如果是教育支出就免税,其他要补交税款和罚金。。。
但是我没明白既然贡献的已经是税后收入了,为什么提取还要交税呢?如果存进去没有
收益,又用于教育以外,岂不是被重复收税?Roth也是这样的么?
【在 h****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我可不是什么前辈,也不是大神,呵呵 : 17.5k不含match : Roth去Vanguard就行了,别忘了给LD也开一个。529要先看本州有没有税上的优惠。如 : 果没有,就不如直接上taxable了。实在想存的话,ny和utah的529都不错。
|
l***s 发帖数: 841 | 14 Roth是税后的,因此以后不用再交税了。是退休账户和教育无关。 像你这种情况,在
德州没州税,收入没超过25%bracket,肯定优先考虑Roth. 两个人都应max out. 当然
如果403B有match,要最优先考虑。很多403B plan要求你有minimum contribution,一
定要第一优先满足这个条件,然后max out Roth. 至于broker,不是个大问题。我在好
几家都有。ME专门用来炒股(因为不收手续费),Fidelity和vanguard用来买mutual
fund。
【在 d**********1 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 恩,我还以为529都是免税的呢,我在德州没有州税,联邦税我看了半天没看明白,貌 : 似是不能抵扣税款,但是收益是免税的,就像Roth,但是只能用于教育支出?又说支取 : 的时候如果是教育支出就免税,其他要补交税款和罚金。。。 : 但是我没明白既然贡献的已经是税后收入了,为什么提取还要交税呢?如果存进去没有 : 收益,又用于教育以外,岂不是被重复收税?Roth也是这样的么?
|
m****u 发帖数: 229 | 15 A family member of mine actually use Merril Edge based on my suggestion.
For most of people, IB is an easier, a cheaper way to go.
I think Merril Edge is great for people who
1. have $25000 cash is less than 10% of the total value of assests combined.
2. trade less than 30 times a month.
3. only trade stock, ETF, MF, bond.
4. are US resident or citizen. I called many of the ME service staffs, they
all told me the US resident or citizen is required.
One can buy everything that Vanguard has from vanguard.com on ME. I haven't
found anything that's on Vanguard and is not on ME. This is just like you
can open an account with Scottrade or other broker and buy VTI.
Holding $25000 cash get you free 30 trades per month, one can use this with
low cost index ETFs to bring the over all cost down to 0.02% ~0.1% of the
account value per year. And this is all you need to pay.
Orders placed on ME's web interface get filled as fast as the orders that I
placed with Scottrade/eTrade. Or my internet is just too slow to tell any
difference. |
l***s 发帖数: 841 | 16 ME有几种方式可以免交易费。一种如你所说25000 cash。另外股票资产也可以。$50K股
票资产可30次免费,$100K可每月100次免费。因此直接上股票就行了。
combined.
they
t
【在 m****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : A family member of mine actually use Merril Edge based on my suggestion. : For most of people, IB is an easier, a cheaper way to go. : I think Merril Edge is great for people who : 1. have $25000 cash is less than 10% of the total value of assests combined. : 2. trade less than 30 times a month. : 3. only trade stock, ETF, MF, bond. : 4. are US resident or citizen. I called many of the ME service staffs, they : all told me the US resident or citizen is required. : One can buy everything that Vanguard has from vanguard.com on ME. I haven't : found anything that's on Vanguard and is not on ME. This is just like you
|
d**********1 发帖数: 267 | 17 403B 已经match到顶了,但还没有到17.5K
Roth账户是不是不应该用来炒股,而是买共同基金吧 (403B好像不能炒股)?还是可
以在不同的broker开多个Roth账户,只要加一起不超过11k限制就行?我觉得账户太多
我就控制不过来了。。。
【在 l***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Roth是税后的,因此以后不用再交税了。是退休账户和教育无关。 像你这种情况,在 : 德州没州税,收入没超过25%bracket,肯定优先考虑Roth. 两个人都应max out. 当然 : 如果403B有match,要最优先考虑。很多403B plan要求你有minimum contribution,一 : 定要第一优先满足这个条件,然后max out Roth. 至于broker,不是个大问题。我在好 : 几家都有。ME专门用来炒股(因为不收手续费),Fidelity和vanguard用来买mutual : fund。
|
d**********1 发帖数: 267 | 18 嗨,前辈好,
1. 25000现金放在那里,是不是这些钱就当活期不能投资了?
2. 我估计我一年也不会操作一次。。。
3. 见2的话似乎我不太适合股票的说
4. 目前还不是。。。
看来还是先在其他地方建一个要紧啊
combined.
they
t
【在 m****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : A family member of mine actually use Merril Edge based on my suggestion. : For most of people, IB is an easier, a cheaper way to go. : I think Merril Edge is great for people who : 1. have $25000 cash is less than 10% of the total value of assests combined. : 2. trade less than 30 times a month. : 3. only trade stock, ETF, MF, bond. : 4. are US resident or citizen. I called many of the ME service staffs, they : all told me the US resident or citizen is required. : One can buy everything that Vanguard has from vanguard.com on ME. I haven't : found anything that's on Vanguard and is not on ME. This is just like you
|
d**********1 发帖数: 267 | 19 看来炒股可以用ME啊,不过我好想没有什么闲钱炒股,match了所有的program就差不多
了。。。
话说短期投资的话,有什么 推荐么?
【在 l***s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : ME有几种方式可以免交易费。一种如你所说25000 cash。另外股票资产也可以。$50K股 : 票资产可30次免费,$100K可每月100次免费。因此直接上股票就行了。 : : combined. : they : t
|
m****u 发帖数: 229 | 20 dijkstra1111,
If you are like my family member, then that $25000 has to be cash, it can't
be in other form.
If you dont have the $25000 cash, then you dont get the 30 free trades of
the current month.
But laghs is right. There are other ways to meet the 30 free trades per
month requirement.
In that case, you dont need to have $25000 in cash.
It makes sense to rebalance your account at least once a year. This means
one would trade at least once a year.
For day trader, I thought the cheapest way is to go with Interactive Brokers
(IB).
If you are not a day trader, then for 短期投资, the best thing to do is
ibond, CD or high yield reward checking account. |
d**********1 发帖数: 267 | 21 谢谢前辈详细的解答,我大概了解该怎么弄了。
t
【在 m****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : dijkstra1111, : If you are like my family member, then that $25000 has to be cash, it can't : be in other form. : If you dont have the $25000 cash, then you dont get the 30 free trades of : the current month. : But laghs is right. There are other ways to meet the 30 free trades per : month requirement. : In that case, you dont need to have $25000 in cash. : It makes sense to rebalance your account at least once a year. This means : one would trade at least once a year.
|