i****m 发帖数: 699 | 1 对投资一窍不通,弱弱的问一句:现在是不是时候开一个Roth IRA?
谢谢 |
a******g 发帖数: 1538 | 2 如果想投资的话,首选roth ira.
你做的好能省税,做的不好也能省得报税的麻烦 |
K****D 发帖数: 30533 | 3 LOL on the 2nd sentence. Don't invest can also 省得报税的麻烦, haha.
【在 a******g 的大作中提到】 : 如果想投资的话,首选roth ira. : 你做的好能省税,做的不好也能省得报税的麻烦
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i****m 发帖数: 699 | 4 谢谢,我想知道现在这个经济形势是不是投资的时候。 如果我现在投5000,一个月后
亏了2000,是不是不如我等一个月后投3000? 不懂的说。 |
K****D 发帖数: 30533 | 5 I completely agree with the math below.
【在 i****m 的大作中提到】 : 谢谢,我想知道现在这个经济形势是不是投资的时候。 如果我现在投5000,一个月后 : 亏了2000,是不是不如我等一个月后投3000? 不懂的说。
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K****D 发帖数: 30533 | 6 Yup, any time before 4/15/2009 is good. Make sure:
1) you don't have any debt and you have 6 months living fund (w/o any
income) in place.
2) you qualify for Roth.
3) to contribute in the 2008 quota instead of 2009 quota.
4) do not cash Roth out until you are retired. (optional, but good.)
【在 i****m 的大作中提到】 : 对投资一窍不通,弱弱的问一句:现在是不是时候开一个Roth IRA? : 谢谢
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a**e 发帖数: 5794 | 7
这句话正确的语法应该怎么说啊,我琢磨这个10多年了也没弄明白。
【在 K****D 的大作中提到】 : LOL on the 2nd sentence. Don't invest can also 省得报税的麻烦, haha.
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h*******y 发帖数: 864 | 8 The first condition is non-sense. It is perfectly fine to have mortgage debt
or any debt that is secured by an asset especially all the non-recourse
debt.
【在 K****D 的大作中提到】 : Yup, any time before 4/15/2009 is good. Make sure: : 1) you don't have any debt and you have 6 months living fund (w/o any : income) in place. : 2) you qualify for Roth. : 3) to contribute in the 2008 quota instead of 2009 quota. : 4) do not cash Roth out until you are retired. (optional, but good.)
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i****m 发帖数: 699 | 9 谢谢!我还想问一下是赶在4/15前invest好呢,还是以后等经济好一点在invest好? |
h*******y 发帖数: 864 | 10 You don't have to invest at all. You can open Roth IRA account and keep them
in cash. And then invest when you feel comfortable.
That said, stock investments yield more because it is a "risk-premium".
Therefore, I have a hard time understanding all those people who think they
can invest safely and still get good returns from the stock market.
【在 i****m 的大作中提到】 : 谢谢!我还想问一下是赶在4/15前invest好呢,还是以后等经济好一点在invest好?
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K****D 发帖数: 30533 | 11 aglee. should be "make sure your networth is positive."
debt
【在 h*******y 的大作中提到】 : The first condition is non-sense. It is perfectly fine to have mortgage debt : or any debt that is secured by an asset especially all the non-recourse : debt.
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k******u 发帖数: 3137 | 12 放进去, as cash, 跟放银行几乎没区别, 免得过了这个村没店了.
【在 i****m 的大作中提到】 : 谢谢,我想知道现在这个经济形势是不是投资的时候。 如果我现在投5000,一个月后 : 亏了2000,是不是不如我等一个月后投3000? 不懂的说。
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a******g 发帖数: 1538 | 13 don't you agree with me on that point?
lose money is bad enough, and you have to list your loss one transaction by
one transaction on the 1040. I really hate it.
【在 K****D 的大作中提到】 : LOL on the 2nd sentence. Don't invest can also 省得报税的麻烦, haha.
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K****D 发帖数: 30533 | 14 "Not investing can also ..."
【在 a**e 的大作中提到】 : : 这句话正确的语法应该怎么说啊,我琢磨这个10多年了也没弄明白。
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a******g 发帖数: 1538 | 15 no investing, no hassle
【在 K****D 的大作中提到】 : "Not investing can also ..."
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K****D 发帖数: 30533 | 16 he's asking how to say "don't do blah blah can benefit you" in the correct
grammar.
【在 a******g 的大作中提到】 : no investing, no hassle
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K****D 发帖数: 30533 | 17 aglee partially. to me, capital gain and capital loss is equally painful.
I just hate the labor.
by
【在 a******g 的大作中提到】 : don't you agree with me on that point? : lose money is bad enough, and you have to list your loss one transaction by : one transaction on the 1040. I really hate it.
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a******g 发帖数: 1538 | 18 I enjoy listing the capital gain part... Oh, what an exciting moment.
【在 K****D 的大作中提到】 : aglee partially. to me, capital gain and capital loss is equally painful. : I just hate the labor. : : by
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K****D 发帖数: 30533 | 19 My heart 隐隐作痛 for envisioning an IRS guy cut a chunk out of each
gain...
【在 a******g 的大作中提到】 : I enjoy listing the capital gain part... Oh, what an exciting moment.
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i****m 发帖数: 699 | 20 谢谢指教。把钱放在Roth IRA上as cash的话,有没有利息? 还有如果放1万刀, 一年
可免多少税?
还有在哪家公司开Roth IRA 好?
再谢过
【在 k******u 的大作中提到】 : 放进去, as cash, 跟放银行几乎没区别, 免得过了这个村没店了.
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K****D 发帖数: 30533 | 21 Yes, the rate depends on your broker.
$0.
I use firstrade, although it might not be the best.
【在 i****m 的大作中提到】 : 谢谢指教。把钱放在Roth IRA上as cash的话,有没有利息? 还有如果放1万刀, 一年 : 可免多少税? : 还有在哪家公司开Roth IRA 好? : 再谢过
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k******u 发帖数: 3137 | 22 http://en.wikipedia.org/wiki/Roth_IRA
有利息, 比local银行好, 比online略差, 亏钱的可能几乎没有.
一个人一年放不了1万, 现在也不能免你的税(but check form 8880), 除非你存
traditional IRA.
【在 i****m 的大作中提到】 : 谢谢指教。把钱放在Roth IRA上as cash的话,有没有利息? 还有如果放1万刀, 一年 : 可免多少税? : 还有在哪家公司开Roth IRA 好? : 再谢过
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P**a 发帖数: 1267 | 23 存Roth本身不能免收入税,但是如果收入够低可以拿到一定的retirement savings
contributions credit (FORM 8880) |
j*e 发帖数: 1987 | 24 如果可以在银行存5% APY的存款利率,扣除30% income tax,还有3.5% APY实际收益,
而在Roth IRA只能买到1.x% APY的money market fund(fidelity).(同等风险比较,当然你可以说
投bond fund或equity fund会有更高收益,但那些风险更高,亏钱也有可能),如果在
上面的情况下,是不是就不要投Roth,而去存那个5%的了?
唯一能让我选择Roth的只有Roth每年有限额,过了这个村就没了那个店了,但我还是算
不清到底抓住这一年的限额有什么好处。
请大侠指教。 |
K****D 发帖数: 30533 | 25 Imaging you can take 2 million USD in cash without paying a penny of
tax at some point...
although it's highly unlikely with the current level of market return,
//sigh...
当然你可以说
【在 j*e 的大作中提到】 : 如果可以在银行存5% APY的存款利率,扣除30% income tax,还有3.5% APY实际收益, : 而在Roth IRA只能买到1.x% APY的money market fund(fidelity).(同等风险比较,当然你可以说 : 投bond fund或equity fund会有更高收益,但那些风险更高,亏钱也有可能),如果在 : 上面的情况下,是不是就不要投Roth,而去存那个5%的了? : 唯一能让我选择Roth的只有Roth每年有限额,过了这个村就没了那个店了,但我还是算 : 不清到底抓住这一年的限额有什么好处。 : 请大侠指教。
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j*e 发帖数: 1987 | 26 What piss me off is that it seems there is always some investment methods
with higher return (even after being taxed) you can find outside of Roth IRA
. (under same risk level, such as the 5% bank APY I mentioned above v.s. 1.x
% MMF in Roth.)
If that's always true, then Roth is really no use. |
P**a 发帖数: 1267 | 27 Roth 是个tax advantage account,里面你也可以买卖股票,ETF,好处是收益不打税,将
来也可以留给下一代. 同等条件下, 当然是先放满Roth再放taxable account了. |