g*******t 发帖数: 1084 | 1 请教大家
现在30YEAR fix rate: 3.5%; 15 year fix rate: 2.875%.
房贷41.7W。
那么是选择15Year 的Loan,减少投入403B好呢; 还是选择30Year Loan 然后继续投入
403B ? |
c******z 发帖数: 1230 | 2 403B/401k如果有match的部分,存到能match最多的额度;
顺序应该是 还其他一切consumer loan > 有match的403B/401K > Roth IRA > 其他收
益率大于房贷利率的投资 > 还房贷 |
g*******t 发帖数: 1084 | 3 那么, 没有Match的403B/401k是排在还房贷后面吗?
谢谢!
【在 c******z 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 403B/401k如果有match的部分,存到能match最多的额度; : 顺序应该是 还其他一切consumer loan > 有match的403B/401K > Roth IRA > 其他收 : 益率大于房贷利率的投资 > 还房贷
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c******z 发帖数: 1230 | 4 403B/401k只是推迟交税,也许未来的税率还更高呢?401K的投资选择也受限制、而且
常常有隐藏的管理费,如果没有match真的是意思不大。如果你收入正好在tax-bracket
附近,也许能得到一点点好处,要根据你的情况具体计算。没有Match还不如存
Traditional IRA呢。 |
S**C 发帖数: 2964 | 5 "还其他一切consumer loan" that is too broad a brush. Let's say car loans at
0.9% vs. mortgage 3.5%, which one comes first, assuming 25% marginal tax. |
w***n 发帖数: 1519 | 6 Mortgage can be a good hedge against inflation, and it matters how you are
investing in your 401k/403b. It probably doesn't make much sense if you are
paying 3.5% interest just so that you can put more money on bonds paying
merely ~2.5% yield. |
j**********r 发帖数: 3798 | 7 Depends on your marginal tax rate.
are
【在 w***n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Mortgage can be a good hedge against inflation, and it matters how you are : investing in your 401k/403b. It probably doesn't make much sense if you are : paying 3.5% interest just so that you can put more money on bonds paying : merely ~2.5% yield.
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