s******n
发帖数: 3946 | 1 是能投账户的实际limit高了，能有更多的资金tax free增长。 | S**C
发帖数: 2964 | 2 The first and every dollar you put into ROTH, you pay your marginal tax,
which is, say, 25% (fed) + 7% (tax) + AMT phase-out (7%).
The first and a few thousand dollars you take out from pre-tax account, you
pay 0% , then the next few 10s of thousand, 15%, then 25%, plus state tax
and even if your trigger AMT, the effective rate is lower.
【在 s******n 的大作中提到】
: 是能投账户的实际limit高了，能有更多的资金tax free增长。
| f*******n
发帖数: 12623 | 3
you
That's assuming you have absolutely NO other income when you take it out,
which I don't think is realistic.
【在 S**C 的大作中提到】
: The first and every dollar you put into ROTH, you pay your marginal tax,
: which is, say, 25% (fed) + 7% (tax) + AMT phase-out (7%).
: The first and a few thousand dollars you take out from pre-tax account, you
: pay 0% , then the next few 10s of thousand, 15%, then 25%, plus state tax
: and even if your trigger AMT, the effective rate is lower.
| s******n
发帖数: 3946 | 4 说了前提是tax rate不变，含义自然是针对这部分ira的marginal tax Rate现在和退休
一样。 别忘了退休还有每年minimal distribution, 再加上社会安全的收入和其它收
入，你要保证拿出来的traditional ira distribution不hit higher tax brackete不
容易。 你不能假设退休时就traditional ira几万刀吧。
办法退休是搬到没税的州再拿distribution | f*******n
发帖数: 12623 | 5 我觉得你这个假设不合理。你有多少marginal tax rate是取决于你有多少taxable
income的，而你Traditional或Roth会影响你放进去和取出来的时候的taxable income
，就影响放进去和取出来的时候的marginal tax rate。 | s******n
发帖数: 3946 | 6 没这个假设怎么比较。
换一个假设，我已经有10m在traditional ira，所以今年存roth比较好 |
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