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cityhawk (呆鹰) 于 (Wed Aug 3 23:05:15 2011, 美东) 提到:
Teacher retirement system.看看我说的对不对？我在学校工作不到4年。另外，我没有Traditional IRA。
1. 直接取出，TRS里的钱要付20% 联邦税加10% 罚金。
2. roll over to Roth IRA, 不用付10%的罚金，但是要付20%的联邦税，让钱变成税后
的，才能进Roth IRA。
我理解的对吗？谢谢
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acmilan15 (开空调烤肉) 于 (Thu Aug 4 11:27:24 2011, 美东) 提到:
楼主的“离开德州”是回国的意思吗？如果不是回国，TRS应该是联邦政府管的，你在
其他州应该是对你没有影响吧？如果高手能够给大家普及一下就好了
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sun524 (jojo) 于 (Thu Aug 4 12:50:16 2011, 美东) 提到:
我也正在捉摸这个问题。还有一个问题。如果比如这个月底离开，就只能在离开以后再
申请取出来么，到时候急急忙忙要走怕来不及。不知道能不能提前取。
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qizhu (frank) 于 (Thu Aug 4 12:55:17 2011, 美东) 提到:
en, 去别的州是可以转的.
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cityhawk (呆鹰) 于 (Thu Aug 4 13:24:49 2011, 美东) 提到:
是回国。由于TRS的收益太低吧。也不想取出，罚金加税太多了。只好选择roll over
到我的Roth IRA，可能好些吧。
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AdEast (AdEast) 于 (Thu Aug 4 19:13:40 2011, 美东) 提到:
Roll Over to Traditional IRA, 不用叫联邦税. 没听说 20% 的 bracket. 只有 10%
，15%， 25%， 28%，33%， 35%。 如果你是10%，15%， 就转到ROTH。否则还是
TRADITIONAL划算。
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AdEast (AdEast) 于 (Thu Aug 4 19:18:26 2011, 美东) 提到:
好像是五年才能退休拿PENSION.如果你将来会回来，还是放在里面好，因为工作年限是
拿钱的一个系数。
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cityhawk (呆鹰) 于 (Thu Aug 4 20:10:29 2011, 美东) 提到:
核心问题是我工作不到4年，将来能拿PENSION吗？我也知道5年或者以上退休拿PENSION。
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aus (aus) 于 (Thu Aug 4 23:17:32 2011, 美东) 提到:
选项2里这个税率是按照什么算的？如果你明年没有美国收入或者在中国申报的收入很
低，是不是转的时候税率也会下来?
没有Traditional IRA。
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cityhawk (呆鹰) 于 (Thu Aug 4 23:39:49 2011, 美东) 提到:
这个付20%的联邦税，学校HR的人说的。我也未找到官方文件。还望明白人指正。
税率会变什么意思，问题是趁我还在美国，我想马上roll over
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dletterman (David Letterman) 于 (Fri Aug 5 12:04:54 2011, 美东) 提到:
no. 5 years vested.
PENSION。
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flog (hehe) 于 (Fri Aug 5 17:24:50 2011, 美东) 提到:
How can a rollover affect my taxes? How can a rollover affect my taxes?
You will be taxed on a payment from the Plan if you do not roll it over. If
you are under age 59 1/2 and do not do a rollover, you will also have to pay
a 10% additional income tax on early distributions (unless an exception
applies). However, if you do a rollover, you will not have to pay tax until
you receive payments later and the 10% additional income tax will not apply
if those payments are made after you are age 59 1/2 (or if an exception
applies).
To where may I roll over the payment?
You may roll over the payment to either an IRA (an individual retirement
account or individual retirement annuity) or an employer plan (a tax-
qualified plan, section 403(b) plan, or governmental section 457(b) plan)
that will accept the rollover. The rules of the IRA or employer plan that
holds the rollover will determine your investment options, fees, and rights
to payment from the IRA or employer plan (for example, no spousal consent
rules apply to IRAs and IRAs may not provide loans). Further, the amount
rolled over will become subject to the tax rules that apply to the IRA or
employer plan.
How do I do a rollover?
There are two ways to do a rollover. You can do either a direct rollover or
a 60-day rollover. If you do a direct rollover, the Plan will make the
payment directly to your IRA or an employer plan. You should contact the IRA
sponsor or the administrator of the employer plan for information on how to
do a direct rollover. If you do not do a direct rollover, you may still do
a rollover by making a deposit into an IRA or eligible employer plan that
will accept it. You will have 60 days after you receive the payment to make
the deposit. If you do not do a direct rollover, the Plan is required to
withhold 20% of the payment for federal income taxes. This means that, in
order to roll over the entire payment in a 60-day rollover, you must use
other funds to make up for the 20% withheld. If you do not roll over the
entire amount of the payment, the portion not rolled over will be taxed and
will be subject to the 10% additional income tax on early distributions if
you are under age 59½ (unless an exception applies).
How much may I roll over?
If you wish to do a rollover, you may roll over all or part of the amount
eligible for rollover. The Plan administrator will tell you if any of your
payment is not eligible for rollover.
If I don't do a rollover, will I have to pay the additional 10% income tax
on early distributions?
If you are under age 59 1/2, you will have to pay the 10% additional income
tax on early distributions for any payment from the Plan (including amounts
withheld for income tax) that you do not roll over, unless one of the
exceptions listed below applies. This tax is in addition to the regular
income tax on the payment not rolled over.
没有Traditional IRA。
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cityhawk (呆鹰) 于 (Sat Aug 6 00:18:31 2011, 美东) 提到:
谢谢提供的信息。我最近读过这个，搞的我还是五迷三道的。
总结下，
Roll over to Roth IRA, 不用付10%的罚金，但是要付联邦税。要付多少，里面也没说？
或者英语好的人给个中文总结吧，叩谢
If
pay
until
apply
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Wistaria99 (紫藤园) 于 (Mon Aug 8 00:59:57 2011, 美东) 提到:
对TRS不是很熟，不过这类帐号应该和公司的401K帐号差不多。如果不想付罚金和税，
你应该把钱转到rollover IRA。不是Traditional IRA,也不是 Roth IRA， 是
RolloverIRA.大部分金融机构都有此项服务。大银行也有，不过基金选项可能不够好。
Fidelity,Vanguard,Chase,BankofAmerica。。。挑一个，走进去问问，都会很热情地
帮你地。
说？
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lavie44 (lavie44) 于 (Mon Aug 8 12:31:14 2011, 美东) 提到:
那个扣20%的税是针对美国人的，你要是外国人，要扣30%的税，外加10%的罚款。如果回中国
再也不回来了，不管怎么样，还是把钱取出来。有足够耐心就等到59.5岁的时候再取
也可以，就少交10%的罚款。
最好把TRS的钱roll over 到下一个工作地方的retirement plan（无论是不是继续做教师），这样就不用交税和罚款。你要是把钱roll over 到IRA, 就只扣税（20%左右），不用交10%的罚款。
ps: 我离开了德州，但钱还一直放在TRS里。
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laneliu (bearcookie) 于 (Mon Aug 8 15:44:15 2011, 美东) 提到:
如果能交易就放着吧，买点儿股票基金的，慢慢涨多开心
或者遇到最近10各交易日的情况洗白了也就不用惦记了，省心思也挺好 |
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