n*******e
发帖数: 1369 | |
m********n
发帖数: 1602 | 2 These are not exclusive. You may also weigh traditional vs. Roth IRA. |
m******r
发帖数: 146 | 3 You can always contribute to both if you don't care about the tax deduction
though I don't see a point to do that.
The tax deduction associated with the traditional IRA while you have company
sponsored retirement plans, such as 401K, is determined by your marital
status and income level. Here is the information for a single:
Income Deduction
$50,000 or less a full deduction.
$50,000 ~ $60,000 a partial deduction.
$60,000 or more no deduction.
【在 n*******e 的大作中提到】
: 知道地说说
|
n*******e
发帖数: 1369 | 4 我在SF版听说有401k就不能用traditional IRA了
所以问问
deduction
company
【在 m******r 的大作中提到】
: You can always contribute to both if you don't care about the tax deduction
: though I don't see a point to do that.
: The tax deduction associated with the traditional IRA while you have company
: sponsored retirement plans, such as 401K, is determined by your marital
: status and income level. Here is the information for a single:
: Income Deduction
: $50,000 or less a full deduction.
: $50,000 ~ $60,000 a partial deduction.
: $60,000 or more no deduction.
|
m******r
发帖数: 146 | 5 From IRS pub590:
Who Can Set Up a Traditional IRA?
You can set up and make contributions to a traditional IRA if:
You (or, if you file a joint return, your spouse) received taxable
compensation during the year, and
You were not age 70½ by the end of the year.
You can have a traditional IRA whether or not you are covered by any other
retirement plan. However, you may not be able to deduct all of your
contributions if you or your spouse is covered by an employer retirement
plan. See How Muc
【在 n*******e 的大作中提到】
: 我在SF版听说有401k就不能用traditional IRA了
: 所以问问
:
: deduction
: company
|
n*******e
发帖数: 1369 | 6 你的这个数字是Gross income还是taxable income
deduction
company
【在 m******r 的大作中提到】
: You can always contribute to both if you don't care about the tax deduction
: though I don't see a point to do that.
: The tax deduction associated with the traditional IRA while you have company
: sponsored retirement plans, such as 401K, is determined by your marital
: status and income level. Here is the information for a single:
: Income Deduction
: $50,000 or less a full deduction.
: $50,000 ~ $60,000 a partial deduction.
: $60,000 or more no deduction.
|
m******r
发帖数: 146 | 7 Modified Ajusted gross income.
You have to use some tables in pub590 to calcuate the exact number for you.
【在 n*******e 的大作中提到】
: 你的这个数字是Gross income还是taxable income
:
: deduction
: company
|
n*******e
发帖数: 1369 | 8 你老让我很汗颜亚
【在 m******r 的大作中提到】
: Modified Ajusted gross income.
: You have to use some tables in pub590 to calcuate the exact number for you.
|
s********n
发帖数: 1962 | 9 You can have both 401k and IRA.
Why don't you go to Investment board? We can answer any of your questions.
【在 n*******e 的大作中提到】
: 知道地说说
|
s********n
发帖数: 1962 | 10 Roth IRA is the one you all should invest in after max out 401k matching
part.
If income is too high to make contribution to Roth IRA, one can make
contribution to Traditional IRA and convert it to Roth IRA in 2010.
deduction
company
【在 m******r 的大作中提到】
: You can always contribute to both if you don't care about the tax deduction
: though I don't see a point to do that.
: The tax deduction associated with the traditional IRA while you have company
: sponsored retirement plans, such as 401K, is determined by your marital
: status and income level. Here is the information for a single:
: Income Deduction
: $50,000 or less a full deduction.
: $50,000 ~ $60,000 a partial deduction.
: $60,000 or more no deduction.
|
|
|
n*******e
发帖数: 1369 | 11 我怕这个问题太初级了被打出去
【在 s********n 的大作中提到】
: You can have both 401k and IRA.
: Why don't you go to Investment board? We can answer any of your questions.
|
s********n
发帖数: 1962 | 12 No, you won't be kicked out. Usually you will be sent to read JHQ first.
hehe.
【在 n*******e 的大作中提到】
: 我怕这个问题太初级了被打出去
|
n*******e
发帖数: 1369 | 13 那不是一样，我需要straight answer
【在 s********n 的大作中提到】
: No, you won't be kicked out. Usually you will be sent to read JHQ first.
: hehe.
|
s********n
发帖数: 1962 | 14 too lazy.
【在 n*******e 的大作中提到】
: 那不是一样，我需要straight answer
|
n*******e
发帖数: 1369 | 15 bingo,说到点子上了
【在 s********n 的大作中提到】
: too lazy.
|
i*****h
发帖数: 169 | 16 有401K，可以有Traditional IRA,
只是不一定有Tax Benefit
最好开ROTH IRA（假如收入低于一定值） |
