d****r
发帖数: 1 | 1 请问各位大仙，如果我计划回国，不在美国呆一辈子，那401k, roth401, which is
better for me now(i just graduated and start working)? I know there are
issues related to tax treaty when i withdraw the money.
多谢拉。 | k**f
发帖数: 372 | 2 401k should be better because you avoid paying tax now. Later when you are
back in China and have little income but 401k withdrawal, you only need to
pay very little (or none) income tax. But the 10% penalty still applies if
you withdraw money before the eligible age. | x******g
发帖数: 3952 | 3 It depends on how much you make right now.
If you are in 28% bracket or above, I think 401k is slightly better.
For 25% bracket and under, maybe roth 401k.
【在 d****r 的大作中提到】
: 请问各位大仙，如果我计划回国，不在美国呆一辈子，那401k, roth401, which is
: better for me now(i just graduated and start working)? I know there are
: issues related to tax treaty when i withdraw the money.
: 多谢拉。
| k**f
发帖数: 372 | 4
Why Roth is better for 25% bracket and lower?
【在 x******g 的大作中提到】
: It depends on how much you make right now.
: If you are in 28% bracket or above, I think 401k is slightly better.
: For 25% bracket and under, maybe roth 401k.
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