g******r
发帖数: 347 | 1 还没有要海归，但是很可能几年以后。
想问问401K大家都怎么处理？ |
b**y
发帖数: 74 | 2 401K -> IRA. After returning China, you can file a 1040NR or 1040NR-EZ and distribute an amount of money every year without incurring tax, but an early distribution from IRA is still subject to 10% penalty. |
t**********g
发帖数: 3388 | 3 放IRA有什么好处
【在 b**y 的大作中提到】
: 401K -> IRA. After returning China, you can file a 1040NR or 1040NR-EZ and distribute an amount of money every year without incurring tax, but an early distribution from IRA is still subject to 10% penalty.
|
l********r
发帖数: 51 | 4 那转Roth IRA呢? 好像转的时候一次收取20%的税,之后报税的时候再多退少补,是吗?
distribute an amount of money every year without incurring tax, but an
early distribution from IRA is still subject to 10% penalty.
【在 b**y 的大作中提到】
: 401K -> IRA. After returning China, you can file a 1040NR or 1040NR-EZ and distribute an amount of money every year without incurring tax, but an early distribution from IRA is still subject to 10% penalty.
|
o****y
发帖数: 26355 | 5 转ROTH IRA，就等于把钱取出来了。
你取出多少，就算成你当年的收入，你什么税率就交多少税。
好处是，以后ROTH IRA的盈利就不收税，而且你还可以传子孙。
他们也不交税。
【在 l********r 的大作中提到】
: 那转Roth IRA呢? 好像转的时候一次收取20%的税,之后报税的时候再多退少补,是吗?
:
: distribute an amount of money every year without incurring tax, but an
: early distribution from IRA is still subject to 10% penalty.
|
n****8
发帖数: 1716 | |
b**y
发帖数: 74 | 7 - No rollover fee:
1. Regular 401K -> Regular IRA
2. Roth 401K -> Roth IRA
- Subject to the Roth IRA $5,000 limit and tax payment:
Regular 401K -> Roth IRA
- IRA Advantage vs 401K:
No early distribution penalty for your kid's college expense.
No early distribution penalty for your first house. |
