h********e
发帖数: 48 | 1
Good point! This makes absolute sense!
But do people need to deal with tax forms anyway, if they return to China
after getting Green Card from USA?
Traditional IRA can be deducted from taxable income, but people can't
withdraw even the base without penalty. Is there a way to withdraw..?
Roth IRA cannot be deducted to taxable income, but you can withdraw base
amount without penalty.
I don't know how to figure out which one is better for people planning to go
back to China in about 10 years. Supp |
|
s*****n
发帖数: 2174 | 2 Of course, that is basically deferring the IRA contribution from last years
taxable income to this year's taxable income. But there is not (likely) tax
benefit unless LZ knows he is going to make less money this year than last
year.
For most people, without substantial financial change, this year's income
will be higher than last year's, especially for people like LZ who just
started work last year.
Although the right choice always depends on a lot of factors, for most
people here, the right thi |
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p******i
发帖数: 1763 | 3 Long-term: stock index funds @ tax-deferred (or tax-free) accounts (e.g.
Vanguard)
pros: low cost; higher return possibility; tax efficient
cons: illiquidity
Short-term: bond ETF @ taxable account (e.g. Fidelity)
pros: liquidity; low cost; tax efficient; no commission fee; low risk;
cons: lower return possibility
我自己的做法，在Vanguard 开了Roth IRA，买了几支风险最高的stock index funds作
为长期投资；在Fidelity开了Taxable account，买了几支Bond ETF作为短期投资（也
许明年就要用到这笔钱）。之所以选择Fidelity，就是因为Bond ETF比Bond index
funds更灵活，更有Tax efficient。 |
|
s**********d
发帖数: 36899 | 4
是。而且每个brokerage account有100 free。
比如你可以有IRA, roth, taxable individual, taxable joint,
living trust...每个都可以有100。
加起来月底够$25k就可以免月费。 |
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h****d
发帖数: 322 | 5 Of course not. AGI is your taxable income. Distribution from Roth is not
counted as taxable income. It would be better to read and learn more facts before using your imagination.
traidtional |
|
c******n
发帖数: 16403 | 6 【 以下文字转载自 Collectibles 讨论区 】
发信人: crazyman (嘉天之锡), 信区: Collectibles
标 题: 炒金子的税很高啊。。。。
发信站: BBS 未名空间站 (Sat Nov 20 17:04:29 2010, 美东)
http://www.nuwireinvestor.com/articles/how-the-irs-taxes-gold-investments-56
249.aspx
How The IRS Taxes Gold Investments
Published on:
Friday, October 15, 2010
Written by:
Keith Fitz-Gerald
Click a star to rate.
* Share
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* Print
* E-mail
* Comments
Gold prices keep heading for the sky, with new records being set practically
every month... 阅读全帖 |
|
t*m
发帖数: 4414 | 7 来自主题: Investment版 - 也说529 529的钱，最终用在 qualified expense, 当然合算。
就是没有用上，也可以用于 grandchild
还没有用上，就30~40年后取出来自己花。 获利部分交10% penalty和income tax.
由于529是tax deferred growth, 不用年年扒皮，所以比taxable account涨得快点儿。
30年后，就算罚个10%,可能比taxable account 还赚的多些
当然，529里面也应该买便宜的index MF.
http://www.529.com/content/benefits.html
我的考虑对吗？ |
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d**a
发帖数: 1030 | 8 多谢提醒。我的确没有注意到关于" you can contribute the less one of 5000 or taxable compensation"的说明，以为只要收入低于LIMIT就可以放5000进去。
刚才找到了FORM8606 INSTRUCTION。里边有个计算的表格。我就按照他说的算了一下。用W2上已经减去5000 TREATY的数字算的。
refers
since I don't think I'm eligible as NR), how about the 5K tax treaty? If it
excludes this 5K, I only have 4K taxable income in 2010. So the maximum I
can contribute is 4K. Am I right?
but I'd like to learn. |
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X****r
发帖数: 3557 | 9 Issues for putting money market fund inside tax-advantaged account
while putting international stock fund outside:
1. The interest from money market is not necessarily higher than
the dividend plus realized capital gain from international stock.
For example, money market interest is essentially zero in the last
couple of years.
2. Even if we assume money market pays more interest on average,
international stock probably has higher expected return in the long
run, so if you never use your emergen... 阅读全帖 |
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j****y
发帖数: 1714 | 10 Another practical issue is the is only limited amount of investment you can
put into tax-deferred accounts.
When you reach that upper limit, putting internal stock index funds into
taxable account is a better choice compared to most other choices(for better
returns).
For any chosen investment option, comparing the choices between putting it
into tax-deferred vs. taxable account is less meaningful: tax-deferred
account wins hands-down. No argument about that at all. And your
calculation just co... 阅读全帖 |
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t*m
发帖数: 4414 | 11 我和太太目前都放满401k／403b, 每年还放满各自的roth IRA (through Roth
conversion).
每年还再投资大约4W在taxable accounts上，1W在529上，统统买了MF or ETF.
我们有足够的emergency funds,在CD上。
俺的单位提供457b。可以再税前放进17K/year. 我应该放满457b吗？
好处是可以省点儿税，坏处是钱不象taxable accounts那样容易取出来。
请大侠们指教。谢谢 |
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s*********0
发帖数: 2045 | 12 这基本没省啊，$25w交5w，effective tax rate交了有20%。$25w扣掉各种deduction以
后taxable的肯定不会有25w，Federal Income tax今年的effective tax rate是22%，
如果taxable income是$21.2w。不知道值不值IRS audit risk。 |
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d****s
发帖数: 174 | 13 我目前才起步，收入也不高，看了一点东西，请专家们指点。谢谢！
这是 Taxable account，已经买了其中一部分。发现这个账户里面想换基金不太方便，
似乎要交钱:
% of Holding Name Stock Industry/
Assets Fund Category
22.64 VTMSX Vanguard Tax-Managed Small Blend
22.64 VTSMX Vanguard Total Stock Large Blend
22.64 VFINX Vanguard 500 Index I Large Blend
22.64 VWITX Vanguard Interm-Term Muni National Interm
9.43 VWINX Vanguard Wellesley I Conservative Allocation
这是Ro... 阅读全帖 |
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d****s
发帖数: 174 | 14 谢谢楼上两位热心指点！有几个问题不解：
1）Morningstar, Vanguard的建议和两位相似的地方都是Taxable Bond优先放在IRA帐
户里面， 比如VBMFX。 我想问不是Stock return相对更高吗，而且相应的税应该也多
，为什么IRA不以stock为主,按照100-年龄的比例（我理解是这个年龄比例指纯Bond而
不是Bond fund？）
2）对于Wellington 的VWINX，我不太明白SOFC的说法，是指我这种小客户的钱会在震
荡中损失吗？
3）morningstar的instant x-ray我用过，变来变去还没定下来。对于US/
international/Bond/Larg/Med/Small的比例因为不能用少数基金定型才多选了几个，
但是还是不满意。
4) rebalance taxable account的费用是不是就是收益的税？谢谢！
tax? I am talking about munis and tax-managed funds.
with higher volatility. |
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t***n
发帖数: 546 | 15 1.bond经常分红，按照income tax交税。Stock index你不卖是不会有realized gain的
。Stock index分红非常少，基本不交税。Retirement plan确实以stock为主，但不代
表IRA以stock为主，如果你愿意投入的钱超过IRA等账户的上限而不得不放些在taxable
account里面的时候。你应该分清楚portfolio和account的区别。一个portfolio可以
包含很多account，同一个account里面也可能有属于多个不同portfolio的基金。所以
在同一个portfolio内部，要注意不同account在税上的区别。
2.不知道
3.我认为asset allocation是重要的，而具体选哪几只基金达到这个比例是次要的，只
要expense ratio尽量低。所以希望楼主先定下各种比例，再具体分配各种基金。而不
是先分配基金，然后不管asset allocation。
4.rebalance就是要卖掉赚钱的，买不怎么赚钱的，用来保持asset allocation。你把
赚钱的一卖，就有realized ga... 阅读全帖 |
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d****s
发帖数: 174 | 16 多谢两位的详细解答和建议！还有个问题：如果用IRA 和taxable account里面的钱分别买不同的基金，也就是不重复，而使总的portfolio达到预期，这样有什么不利？我能看到 的好处就是更容易买admiral shares, 界面和statement看上去更简单，不过把portfolio拆开看的话怪吓人的，就是IRA都是Bond,Taxable都是stock :(
60
solid |
|
a**u
发帖数: 762 | 17 【 以下文字转载自 TAX 讨论区 】
发信人: aseu (天凉好个秋), 信区: TAX
标 题: 问一个traditional ira rollover to roth ira 报税的问题
发信站: BBS 未名空间站 (Sat Apr 7 15:41:01 2012, 美东)
在2011年报2010年税的时候，投了5k non deduction traditional ira for 2010. 后
来又rollover to roth ira.今年报2011年税时，发现一张2011的1099-R。line 2a,
taxable amount is 5k. line 2b taxable amount not determinded and total
distribution are both marked.在turbotax里加入这个表后，AGI又加了这5k.请问这
个1099-R对吗？在turbotax里怎样才能把这5k去掉。
谢谢。 |
|
t*m
发帖数: 4414 | 18 Vanguard S&P 500 ETF (VOO) and Vanguard 500 Index Fund Admiral Shares (VFIAX
) have the same expense ratio (0.05%).
Are my following understandings correct?
(1) they are equivalent in a tax sheltered account (e.g. IRA) for long
term investment (e.g buy and hold for >5 years). Although ETF will suffer a
tiny disadvantage because of buy/sell spread and Premium/Discount spread.
(2) In a taxable account, ETF is more tax efficient even for long term
investment (e.g buy and hold for >5 years).... 阅读全帖 |
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y****i
发帖数: 778 | 19 Dependent on how long term and in your taxable or tax deferred account. For
me, the easiest long term for taxable account is individual muni bond. It
guarantee your investment doubled for 15 years if you like semiannually
interest payment or 12 years if you choose zero coupon, and all interests
are tax free. If in your tax deferred account, then BBB Investment grade
corporate bond like Genworth 6-8 percent yield 7-9 year
maturity, m-REIT like ARR or AGNC 15 percent yield, business development
co... 阅读全帖 |
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y****i
发帖数: 778 | 20 Dependent on how long term and in your taxable or tax deferred account. For
me, the easiest long term for taxable account is individual muni bond. It
guarantee your investment doubled for 15 years if you like semiannually
interest payment or 12 years if you choose zero coupon, and all interests
are tax free. If in your tax deferred account, then BBB Investment grade
corporate bond like Genworth 6-8 percent yield 7-9 year
maturity, m-REIT like ARR or AGNC 15 percent yield, business development
co... 阅读全帖 |
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y****i
发帖数: 778 | 21 Yes, you should buy corporate bond, high dividend M-REIT in you Roth or Ira
account, muni should in your taxable broker account to earn tax free income.
Again, 401k should invest taxable products not muni bond. |
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y*******8
发帖数: 162 | 22 本人是新人一个，在这个论坛潜水有些时间，看了版上的精华区和日常帖子，一些入门
的书籍，同时还有boglehead的wiki论坛，发现相关知识浩如烟海，名词术语一大堆。
不知道自己是否已经入门，现在有些问题，希望版上的大牛不吝赐教：
根据boglehead,
The general rule of thumb for investing priority is:
1. 401k/403b up to the company match
2. Max out Roth
3. Max out 401k/403b
4. Taxable Investing
关于第一点，我的理解是401k主要就是要拿到公司的match。请问一下大家对401K里面
的钱是自己管理投资还是设定一个bond/stock的比例，交给托管公司自己不管了。
第二点，每年4月18日开始，就可以投钱到IRA里面。是不是说4月18日一次性把5000钱
投进去呢？还是选择分批投进去？
关于IRA究竟开在哪个券商，版上提及好多，如vanguard,firsttrade,fidelty.我大致
看了这些券商，对... 阅读全帖 |
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y****i
发帖数: 778 | 23 I use Fidelity because it has good individual bond price as a broker. You
can buy corporate bond and taxable muni bond in Roth IRA, and tax free muni
bond in your taxable broker account. No need to max 401k if you plan to buy
a house. The minimum is company match amount. Only when you can lower your
tax bracket from 25% to 15%, max 401k is the best because the fund in your
401k usually is limited. |
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y****i
发帖数: 778 | 24 Fidelity is the best for individual bond, you can buy corporate bond and
taxable muni bond in Ira or Roth IRA, tax free muni bond in taxable broker
account. Only junk bond need mutual fund or ETF. Fidelity also has free
iShare ETF.
Yes, 403b is after withholding. company will withhold your ss, Medicare tax,
and medical premium
No big deal. Minumum is the company match amount. If you plan to buy a house
, no need to put in 403b.
Yes. |
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t*m
发帖数: 4414 | 25 I have Fidelity New Markets Income Fund (FNMIX) and Matthews Pacific Tiger
Fund (MAPTX) in my taxable account. About 10K each.
Are they tax efficient?
(1) One is a bond funds, and the other is an active stock funds, therefore,
tend to be tax inefficient.
(2) But they are foreign funds. Will the foreign tax credit make them even
more tax efficient than a S&P 500 index funds?
(3) Should I put these two positions into IRA account and switch out ~20K
IVV to my taxable account?
Many thanks! |
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w***n
发帖数: 1519 | 26 到时候是income
假设你现在有一笔宽裕出来的钱：
1。花掉：税不税的没有意义
2。投资，但是亏钱：讨论税没有太大意义。唯一能做的就是建议你把钱放在taxable
account里，因为亏损可以用来减税（上限每年3000块）。希望你不是年年亏，永远亏
的那
种。这也就是为什么你得花时间学投资。
3。投资，且能赚钱：假设你税前本金是P，每年盈利是x(%)
- 3.1 在taxable account里，你的本金已经被扣过一次税了(变成P')，但是你还得
再为盈利部分交税。区别只是是否能够按long term gain 来交税。假设你每年都交税
，税率是t(%)，n年之后你的资金变成P'[1+x(1-t)]^n
- 3.2 在tax deferred account里，你一直到退休往外取钱的时候才为本金和盈利
一起交税，你的资金是P*(1+x)^n*(1-t)
- 3.3 在tax free account里，退休往外取钱的时候本金和盈利都不用交税，所以
你的钱是P'*(1+x)^n
希望讲清楚了 |
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y****i
发帖数: 778 | 27 Yes, municipal bond funds buy these bonds because fed rate will be 0-0.25%
before mid 2014. For small investors, you need to screening and wait for the
opportunity to buy. You can also try zero coupon or taxable muni bonds like
BAB if their yield are attractive. I bought 204712FF5 8/1/2018 with 6%
yield yesterday, not bad with AGM insured. Though it is a fed taxable and
zero coupon bond, the yield is much higher than CD and default risk is lower
than corporate bond. |
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y****i
发帖数: 778 | 28 I only have 20-30 min in the morning 7-8AM PST to check. My criteria is >3.5
% for tax free semianually interest muni if maturity less than 5 years, >4%
for 10 years or less, > 4.5% for 11-15 years. For zero coupon tax free muni,
each add 0.5% yield. For taxable muni or corporate bond, each add 1%. For
taxable zero coupon, each add 1.5%. You can save each condition and check it
quickly, but still need to check details before buying such as yield to
worst(call), yield to maturity, recent trade ac... 阅读全帖 |
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f*******n
发帖数: 12623 | 29
ira
withhold
Right.
When you convert it to Roth, it's not called a "contribution".
deductible
When you make a non-deductible contribution, that mount is added to your "
basis". You don't need to pay tax on your basis. However, if that account
grows, the additional money (earnings) is not part of your basis, so you
have to pay tax on it when withdrawing or converting, just like a deductible
contribution.
So when you fund it with non-deductible money, it will initially be
completely non-taxable. ... 阅读全帖 |
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y****i
发帖数: 778 | 30 If you really worry about it, then just muni bond with AGM or MBIA insured.
Buy zero coupon bond will boost your yield, as well as taxable muni bond or
AMT bond, which is not attractive for high income investors with tax bracket
28% or above. AGNC, ARR, PSEC high dividend 11-15% yield m-REIT or BDC are
good choice for IRA or Roth at first, but also good in your taxable account
if you have 1 million asset to diversify. |
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y****i
发帖数: 778 | 31 If you really worry about it, then just muni bond with AGM or MBIA insured.
Buy zero coupon bond will boost your yield, as well as taxable muni bond or
AMT bond, which is not attractive for high income investors with tax bracket
28% or above. AGNC, ARR, PSEC high dividend 11-15% yield m-REIT or BDC are
good choice for IRA or Roth at first, but also good in your taxable account
if you have 1 million asset to diversify. |
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y****i
发帖数: 778 | 32 The term 30 year is too long. High rating corporate bond has the same
interest risk as treasury bond. If the interest goes up, you will lose money
if you want to sell it before maturity. You can buy taxable municipal bond
like BAB with AGM or MBIA insured, 7-15 year maturity bond will give you 5-6
% yield, or even zero coupon bond to boost the yield since your investment
is for your daughter's tuition. If your daughter is 7 year old, you can set
up bond ladder with 10,11,12,13 year maturity to p... 阅读全帖 |
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N****g
发帖数: 2829 | 33 又研究了一下，发现上面的帖子中“明年会收到1099-R，Box7的code会是8—Excess
contributions plus earnings/excess deferrals (and/or earnings) taxable in
2013.”说的不对。明年收到的1099-R，Box7的code会是P-Excess contributions plus
earnings/excess deferrals taxable in 2012，也就是说明年你不用报这个税了，你
今年已经报了。
注意Code 8和P的文字几乎一样，但年份差一年。 |
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y****i
发帖数: 778 | 34 By carefully choosing individual bonds with higher yield and shorter term,
the interest risks are much smaller than bond ETF. Kicker bond without call
protection but yield to call is higher than normal bond, no risk if the ask
price plus transaction fee is lower than call price, usually $100. For
example, 092840GQ4, 5% federal tax free interest, maturity date 7/1/2018,
bought at 99.92$. My tax free muni bonds have 4-6% yield (6-9% taxable
equivalent yield) with average term less than 12 years, ... 阅读全帖 |
|
r**m
发帖数: 1825 | 35 no, it doesn't include Roth IRA
http://www.bogleheads.org/wiki/Backdoor_Roth_IRA
If you have any other (non-Roth) IRAs, the taxable portion of any conversion
you make is prorated over all your IRAs; you cannot convert just the non-
deductible amount.[2] In order to benefit from the backdoor, you must either
convert your other IRAs as well (which may not be a good idea, as you are
usually in a high tax bracket if you need to use the backdoor), or else
transfer your deductible IRA contributions to... 阅读全帖 |
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m*******r
发帖数: 133 | 36 Tax Rates for the 2013 如下：
25% on taxable income over $72,500 to $146,400
28% on taxable income over $146,400 to $223,050
有人问如果夫妻两人年收入超过１５万，报税的税率就是２８％。 如何才能降低税率
从２８％到２５％。 能够通过存４０１K来降低税率吗？如果夫妻两人存１万，那么他
们的收入就是１４万，就能够用２５％来报税了，这是正确的吗？
http://www.mitbbs.com/article_t/Investment/31269287.html |
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S**C
发帖数: 2964 | 37 If the fees are that high (1%+) then I would consider using taxable account,
and in taxable account, tax efficiency become an additional issue, so index
funds could become more appealing. You hear it from an passive-active guy,
:-)
negotiated
just
and |
|
w**1
发帖数: 1014 | 38 This maybe TMI for someone who just started, another consideration is tax
efficiency, the usual recommendation is to place REIT (if any), bond, small
cap in 401K/IRA, then total stock market (domestic or international), in
this order.
If you also plan to invest in taxable accounts, and still maintain 80/20
overall, you’d do more bond in 401K, not in taxable accounts.
If you chose FTSE for ideological reason, then good for you :) Otherwise
small cap tilt might make more monetary cents.
suggesti... 阅读全帖 |
|
n*******e
发帖数: 2057 | 39 Keep the tax-efficient investments, such as broad-market stock index funds
or ETFs, in taxable accounts while keeping tax-inefficient investments, such
as taxable bonds, in retirement accounts.
为啥broad market stock index funds or ETF 是tax-efficient的？这些应该用
individual investment帐户买？ |
|
t*m
发帖数: 4414 | 40 Question:
“We'll the following income for 2013 (married file jointly): and $35K is
salary and $10K is qualified dividends; $5K is ordinary dividends; $60K is
capital gains ($20K is short term capital gain and $40K is long term). Say
the 10% tax bracket is at $17,850 and the 15% bracket is at $72,500, what is
the best way to estimate our taxes?”
I tried to answer this question as the following. Am I correct?
Salary + ST capital gain + Ordinary Div first. Then subtract our deductions
(itemized or ... 阅读全帖 |
|
d****s
发帖数: 174 | 41 Thank you for the advice.I may put myself on a risk of no strict portforlio
in the taxable account, which I don't know exactly when I will take the
money out.
For the personal rule you mentioned, do you apply it to both tax-deferred
and taxable account? Is the purpose of these limits to reduce the risk?
Thanks!
outperformance |
|
S**C
发帖数: 2964 | 42 You should consider your taxable, 401(k), 529, IRA etc. as a whole. You may
decide which account to hold what, given tax, risk and time horizon
consideration.
FWIW, our taxable are mostly individual stocks, with some ETFs and MFs. I am
in the process to reallocate my actively managed funds to tax advantaged
accounts.
portforlio |
|
s**********d
发帖数: 36899 | 43 fund/stock一旦有dividend或者distribution，那钱就和你别的钱一样，
你再re-invest就和另外花钱买股票或fund一样。对非taxable account来说，
你干啥都无所谓，re-invest省心。但对taxable，你再买就有一个新的lot，
要track cost basis, 再卖又可能有些是新买的。 |
|
c******z
发帖数: 1230 | 44
谢谢回复。现在的情况是，大部分的自己都在taxable账户中，只有小部分在non-
taxable账户中，而且long/short capital gain的税率差别还不小，所以想如何能省一
点税。。。。 |
|
h***n
发帖数: 1600 | 45 我觉得你的结论正确，但main point (upfront tax saving, which accounts for
most of differences) 是不对的。事实上，放401k与放taxable account造成的差别,
是由于已被收过税的taxable account在投资过程中的增值部分又被收了一次capital
gain tax。虽然capital gain 税率比income tax多数情况下低，但也是不小的数目，
而无论是Roth还是traditional 401k，capital gain tax 都给免了。
而且,照你这个main point，就会得出traditional 401k 比Roth 401k好，因为前者有
up front saving。而事实是如果income tax rate相同的话，支付income tax后再投资
20年(比如 Roth 401k)和先投资20年后再支付income tax(比如traditional 401k),两
者收益是一样的。
saving |
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s**********d
发帖数: 36899 | 46 有误。
往pretax里加钱，现在的tax savings好算，基本就是你的marginal tax
rate (fed+state+local)，可能会有两部分不同的，再加上可能的因为AGI
降低而带来的其他节省。
未来的退休后同样。你现在可能已经有了一些pre-tax retirement回头会
每年取，也可能会有一些pension, cash balance之类，再加上social
security。如果你再加钱进去，那么新加的到时候平摊到每年，还是往上加
到marginal tax rate。
非常重要的是，如果你现在没有多少pre-tax retirement，那么以后每年
你提的taxable income就是很少，税率很低。你现在放钱到pre-tax，现在
立刻省百分之好几十，而到时候付很少税。
只有你现在已经预计退休后pretax balance会很高了才能考虑是不是Roth
更合算。再然后才能可虑是不是用taxable account。 |
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B***S
发帖数: 26 | 47 Tax Equity Investor 介绍。面向对象是有一定规模盈利公司老板，公司 net taxable
income 在50万或更高。
以taxable income $1M 为例，这种情况下州税和联邦税加一起假设要48万。作为tax
equity investor, pay this money to IRS, nothing happens. 如果把48万中的40万
投到项目上，这$1M就不用上税了，实际已经赚了8万。另外作为incentive, 项目总价
85%即85万可以在6年内depreciate。以48%税率计算，又有85x.48=40.8万税务上的收入
。以上是基本概念，本质上是拿IRS的钱赚钱，也可理解为通过以上操作把税率合法降
下来。许多大的公司在做，有成熟的例子可寻。有兴趣的可以交流。谢谢 |
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k***e
发帖数: 7933 | 48 四十万投资到项目，还有60万taxable income ，为什么不用上税了？
taxable |
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y****i
发帖数: 778 | 49 No, individual bonds are different with bond fund or ETF, please see bond
club to buy and sell individual tax free muni bond and taxable corporate or
muni/BAB bond.
http://www.mitbbs.com/club_bbsdoc/Bond.html
I can only recommemd corporate bonds which you can buy any time at Fidelity:
CUSIP 18683KAB7, a CLF bond coupon 4.8%, ask price $97.22, yield 5.32% till
10/1/2020 w/o call risk.
CUSIP 74348YAS0 (PSEC, coupon 5.85%) can offer you short term 4% yield to 9/
15/2014 if called or intermediate te... 阅读全帖 |
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h***n
发帖数: 1600 | 50 把你刚报的税表拿出来研究一下，把401k放到没有25%tax，没有AMT tax， 不影响各种
deduction为止。然后放足Roth IRA。如果还有多的余钱，分两部分，一部分放在
taxable account，分几年积攒用于可能用得到的各种大额消费的钱，另一部分放在
401k， 如果钱不多的话，优先满足前者(taxable account)。如果已经没多余的钱了，
Roth IRA contribution要用钱时是可以取出来的。 |
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