Y*****2
发帖数: 38613 | 1 Please recommend one?
What is your rate of return last year?
Thanks! |
m*********o
发帖数: 7545 | |
Y*****2
发帖数: 38613 | 3 why?
【在 m*********o 的大作中提到】
: 你现在买会不会太早了点？
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m*********o
发帖数: 7545 | 4 65 岁后才能取出来。
【在 Y*****2 的大作中提到】
: why?
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i*****g
发帖数: 2564 | 5 Actually, it is 59 & half.
Also, you can escape that 10% tax penalty if you're withdrawing the money
for a few specific reasons.
These include:
Paying college expenses for you, your spouse, your children or grandchildren.
Paying medical expenses greater than 7.5% of your adjusted gross income.
Paying for a first-time home purchase (up to $10,000).
Paying for the costs of a sudden disability
【在 m*********o 的大作中提到】
: 65 岁后才能取出来。
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Y*****2
发帖数: 38613 | 6 存Ira就是为了retirement 啊
★ 发自iPhone App: ChineseWeb 7.8
【在 m*********o 的大作中提到】
: 65 岁后才能取出来。
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w*****3
发帖数: 683 | 7 要是夭折了呢？
【在 Y*****2 的大作中提到】
: 存Ira就是为了retirement 啊
:
: ★ 发自iPhone App: ChineseWeb 7.8
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Y*****2
发帖数: 38613 | 8 you select who is the benefinary
and if you pass away, whoever you put down will get the money
【在 w*****3 的大作中提到】
: 要是夭折了呢？
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w*****3
发帖数: 683 | 9 确认不会被什么部门给黑了？还是自己花了值。
【在 Y*****2 的大作中提到】
: you select who is the benefinary
: and if you pass away, whoever you put down will get the money
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Y*****2
发帖数: 38613 | 10 it is just an investment...
like you buy stocks hoping you get an return on your investment
this is just another way to invest...
if you don't want to invest, then don't do it
buy gold or oil commodities or something if you don't trust investment
maangement firms
【在 w*****3 的大作中提到】
: 确认不会被什么部门给黑了？还是自己花了值。
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i**********o
发帖数: 5993 | 11 You should do Roth IRA. IRA AGI limit is really low and you won't be allowed
to contribute if you have 401K plan with current employer.
【在 Y*****2 的大作中提到】
: Please recommend one?
: What is your rate of return last year?
: Thanks!
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i**********o
发帖数: 5993 | 12 Many ppl on this board are just financially uneducated.
Do not listen to them, lol.
【在 Y*****2 的大作中提到】
: it is just an investment...
: like you buy stocks hoping you get an return on your investment
: this is just another way to invest...
: if you don't want to invest, then don't do it
: buy gold or oil commodities or something if you don't trust investment
: maangement firms
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g*******a
发帖数: 31586 | 13
就您牛
【在 i**********o 的大作中提到】
: Many ppl on this board are just financially uneducated.
: Do not listen to them, lol.
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Y*****2
发帖数: 38613 | 14 I don't have 401K anymore...
I rolled over my 401K from previous employer to an traditional IRA for now
should I open an Roth IRA as well? can I have both traditional IRA or ROTH
IRA? or just ROth IRA?
allowed
【在 i**********o 的大作中提到】
: You should do Roth IRA. IRA AGI limit is really low and you won't be allowed
: to contribute if you have 401K plan with current employer.
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i**********o
发帖数: 5993 | 15 Personally, I'd rather max Roth IRA than 401k/traditional IRA.
There is 2013 Roth IRA income limit here:
http://www.irs.gov/Retirement-Plans/Amount-of-Roth-IRA-Contribu
【在 Y*****2 的大作中提到】
: I don't have 401K anymore...
: I rolled over my 401K from previous employer to an traditional IRA for now
: should I open an Roth IRA as well? can I have both traditional IRA or ROTH
: IRA? or just ROth IRA?
:
: allowed
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i**********o
发帖数: 5993 | 16 中餐馆方面，您很牛。
【在 g*******a 的大作中提到】
:
: 就您牛
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Y*****2
发帖数: 38613 | 17 Gross Annual Income...
is before deductions and tax right?
【在 i**********o 的大作中提到】
: Personally, I'd rather max Roth IRA than 401k/traditional IRA.
: There is 2013 Roth IRA income limit here:
: http://www.irs.gov/Retirement-Plans/Amount-of-Roth-IRA-Contribu
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i**********o
发帖数: 5993 | 18 AGI, adjusted Gross Income
You can deduct trading loss up to 3K per year.
【在 Y*****2 的大作中提到】
: Gross Annual Income...
: is before deductions and tax right?
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Y*****2
发帖数: 38613 | 19 ok good..
i guess i will switch from traditional to ROTH after the money is rolledover
thanks!
【在 i**********o 的大作中提到】
: AGI, adjusted Gross Income
: You can deduct trading loss up to 3K per year.
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i**********o
发帖数: 5993 | 20 Wait, switch will cost your TAX!!!
You can just roll your 401K to a rollover IRA and leave your money their.
Just open a new Roth IRA account and start contributing post-tax money into
it. You get tax diversification this way.
rolledover
【在 Y*****2 的大作中提到】
: ok good..
: i guess i will switch from traditional to ROTH after the money is rolledover
: thanks!
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Y*****2
发帖数: 38613 | 21 got it, thanks.
into
【在 i**********o 的大作中提到】
: Wait, switch will cost your TAX!!!
: You can just roll your 401K to a rollover IRA and leave your money their.
: Just open a new Roth IRA account and start contributing post-tax money into
: it. You get tax diversification this way.
:
: rolledover
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Y******u
发帖数: 1912 | 22 if u haven't hit income limit, max roth ira first. even if u hit, u can also
do the trick (put money in normal ira and transfer to roth)
for old 401k money, don't transfer to roth immediately because of income tax
. if you foreseen in the future u may have less income (go to school again
or take a long vacation etc), transfer to roth at that time.
if u don't know how to invest, read some online articles about personal
portfolio allocation first and choose the style u want. u can get a lot of
info from Bogleheads forum and wiki.
if u really want simple and permanent portfolio choice, do this:
25% equity index etf (15-20 spx, 5-10 global)
25% long term bond (15-20 treasury, 5-10 IG corp)
10% TIPS ETF
10% Gold ETF
10% REITs ETF
10% short term treasury
10% whatever riskier instrument u want, for example, asia mid cap or
convertible or HY bond |
w*****3
发帖数: 683 | 23 too confusing. I would go buy lottery.
also
tax
【在 Y******u 的大作中提到】
: if u haven't hit income limit, max roth ira first. even if u hit, u can also
: do the trick (put money in normal ira and transfer to roth)
: for old 401k money, don't transfer to roth immediately because of income tax
: . if you foreseen in the future u may have less income (go to school again
: or take a long vacation etc), transfer to roth at that time.
: if u don't know how to invest, read some online articles about personal
: portfolio allocation first and choose the style u want. u can get a lot of
: info from Bogleheads forum and wiki.
: if u really want simple and permanent portfolio choice, do this:
: 25% equity index etf (15-20 spx, 5-10 global)
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t*m
发帖数: 4414 | 24 Sure. I have multiple traditional ira accounts and multiple roth ira
account.
【在 Y*****2 的大作中提到】
: I don't have 401K anymore...
: I rolled over my 401K from previous employer to an traditional IRA for now
: should I open an Roth IRA as well? can I have both traditional IRA or ROTH
: IRA? or just ROth IRA?
:
: allowed
|
t*m
发帖数: 4414 | 25 的确，花街大牛不来这里灌水
【在 i**********o 的大作中提到】
: Many ppl on this board are just financially uneducated.
: Do not listen to them, lol.
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