s*****n
发帖数: 15 | 1 有人说要交满35年上限的社安税以便退休后领取最高的社安金。从投资回报率的角度来
说，这种情况毫无疑问是最亏本的。你的投入绝对大幅高于你的收益，而且亏本率最高！
要使你的投资收益率最后，你在退休前以最低能获得4点的收入交十年社保税，你的投
资回报率最高。当然你的回报总值可能不是最高。
而我每年以尽可能少的社保收入交社保，投资回报率是相当好的，应该高于投资房地产
！成为真正的全职地主
我等打工的拿w-2的业余地主，交社保税没有选择。w-2收入高点的人只能当着是慈善捐
款了。收入正好是社保上限的人最亏。交的慈善捐款跟收入一亿的人一样多。
| c**2
发帖数: 8496 | 2 plan to retire at age 55, take $40K annual distribution of 401K of current
employer with no penalty which can last 7 years, then 401k of previous
employers' 401k/403b after age 60 which can last another 8 years or so.
Start getting SS at age 62, should be $1500+ monthly counting my 26 years of
FICA contribution(til age 55), and wife can also get $800 or so when she
turns 62. Plus the about 0.75 million cash and assets in hand expected at
55, though may need to leave some for offspring after college to marry or
start the career.
should be quite typical for 1st gen Chinese immigrant came as F1 student for
US MS/PhD degree which can easily surpass 85 percentile of US families in
terms of assets. Those start working at Google, FB at their 20s can even
easily become top 5% US families and accumulate 3+ million assets in their
50s. |
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