o*********y
发帖数: 171 | 1 在学校工作，supplemental retirement plan,可以选择401(k),403(b),457(b),三个公
司,Fidelity, TIAA Cref,和Maryland Supplemental Retirement Plans.有了解的吗？
选那家公司比较好？403还是457？看的我头都大了
多谢！！ | s**********d
发帖数: 36899 | 2 457啊。万一有事需要钱拿出来没有10% penalty。
当然要是我的话退休的钱是绝对不会拿出来的。
你们很奇怪有401(k)啊。 | o*********y
发帖数: 171 | 3 多谢回复！
我看说明写的,457如果离职的话，没有10% penalty,但是withdraw (Yes, but only at
age 70½ or older, or qualify for an unforeseeable emergency withdrawal
.)，得70.5岁才能拿出钱来？买房什么的算emergency withdrawal吗？
403 withdraw 写的是（Yes, but only at age 59½ or older, or qualify
for a hardship withdrawal.）
【在 s**********d 的大作中提到】
: 457啊。万一有事需要钱拿出来没有10% penalty。
: 当然要是我的话退休的钱是绝对不会拿出来的。
: 你们很奇怪有401(k)啊。
| c*****x
发帖数: 429 | 4 Yes. You can withdraw from 457(b) before age 70 penalty free if
you leave your current employer. Home loan does not count as
an emergency for early withdrawal. Even if it does, you should not do so.
at
withdrawal
【在 o*********y 的大作中提到】
: 多谢回复！
: 我看说明写的,457如果离职的话，没有10% penalty,但是withdraw (Yes, but only at
: age 70½ or older, or qualify for an unforeseeable emergency withdrawal
: .)，得70.5岁才能拿出钱来？买房什么的算emergency withdrawal吗？
: 403 withdraw 写的是（Yes, but only at age 59½ or older, or qualify
: for a hardship withdrawal.）
| c*****x
发帖数: 429 | 5 By the way, you can do 403(b) and 457(b) both in the same year, which
essentially doubles your annual contribution limit to 16500*2=33000. | o**********n
发帖数: 125 | 6 should I maximize my contribution to 475( I work in a university too) as
long as I can afford it?
What if I plan to save money more quickly to buy a house in China where the
house market is low now and I foresee 200 % return in 5 years.
THANKS A LOT!! |
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