g*******t
发帖数: 552 | 1 帮我做贷款的说只能把401K里的钱借出来，利率大概10%。有没有办法直接把401K里的
钱拿
出来，缴税和penalty都行。 | K****D
发帖数: 30533 | 2 Yes, just call your 401k broker to cash it out and pay your current
marginal income tax rate + 10% penalty.
【在 g*******t 的大作中提到】
: 帮我做贷款的说只能把401K里的钱借出来，利率大概10%。有没有办法直接把401K里的
: 钱拿
: 出来，缴税和penalty都行。
| g*******t
发帖数: 552 | | s********n
发帖数: 4535 | 4 可以以loan的方式借出来，没有penalty,跟tax也无关。
【在 K****D 的大作中提到】
: Yes, just call your 401k broker to cash it out and pay your current
: marginal income tax rate + 10% penalty.
| K****D
发帖数: 30533 | 5 LZ specifically asked about direct cashing. He/she already knew
there could be a loan option.
【在 s********n 的大作中提到】
: 可以以loan的方式借出来，没有penalty,跟tax也无关。
| s********n
发帖数: 4535 | 6 o, sorry没看清
【在 K****D 的大作中提到】
: LZ specifically asked about direct cashing. He/she already knew
: there could be a loan option.
| z****l
发帖数: 5282 | 7 LZ's 401K broker too black.
Fido charges only 3.25%
【在 K****D 的大作中提到】
: LZ specifically asked about direct cashing. He/she already knew
: there could be a loan option.
| j*a
发帖数: 14423 | 8 do u need to liquidate all your positions to get that loan out of your own
401k?
【在 z****l 的大作中提到】
: LZ's 401K broker too black.
: Fido charges only 3.25%
| z****l
发帖数: 5282 | 9 401K broker will take care of liquidation for you.
401K broker loses nothing, earns a small application fee.
after you pay it back with after-tax money,
the payment goes back to your 401K acct.
It seems Uncle Sam is the only big winner if you take out 401K loan,
coz you are using after-tax money to inflate your 401K acct.
【在 j*a 的大作中提到】
: do u need to liquidate all your positions to get that loan out of your own
: 401k?
| t***s
发帖数: 4666 | 10
not if you have roth 401k. but the match portion is still pre-tax.
【在 z****l 的大作中提到】
: 401K broker will take care of liquidation for you.
: 401K broker loses nothing, earns a small application fee.
: after you pay it back with after-tax money,
: the payment goes back to your 401K acct.
: It seems Uncle Sam is the only big winner if you take out 401K loan,
: coz you are using after-tax money to inflate your 401K acct.
| | | t***s
发帖数: 4666 | 11 i believe the rate is indexed to the prime.
【在 z****l 的大作中提到】
: LZ's 401K broker too black.
: Fido charges only 3.25%
| h****d
发帖数: 358 | 12 Maybe I am wrong, but I would like to discuss about borrowing from 401k with
you.
I disagree with what you said. Yes, you are using post-tax money to pay back
401k loan. However, if you take the loan, you do not pay tax either.
Therefore, you use the borrowed "pre-tax" money and spend it as "post-tax" money. Your principal is NOT double taxed. However, I do agree that your
interests part is double tax. In my mind, when I consider whether I should
borrow from 401k or from bank, the math should be
【在 z****l 的大作中提到】
: 401K broker will take care of liquidation for you.
: 401K broker loses nothing, earns a small application fee.
: after you pay it back with after-tax money,
: the payment goes back to your 401K acct.
: It seems Uncle Sam is the only big winner if you take out 401K loan,
: coz you are using after-tax money to inflate your 401K acct.
| s********n
发帖数: 4535 | 13 恩。
区别就在利息这块
with
back
money. Your principal is NOT double taxed. However, I do agree that your
For
【在 h****d 的大作中提到】
: Maybe I am wrong, but I would like to discuss about borrowing from 401k with
: you.
: I disagree with what you said. Yes, you are using post-tax money to pay back
: 401k loan. However, if you take the loan, you do not pay tax either.
: Therefore, you use the borrowed "pre-tax" money and spend it as "post-tax" money. Your principal is NOT double taxed. However, I do agree that your
: interests part is double tax. In my mind, when I consider whether I should
: borrow from 401k or from bank, the math should be
| c*******u
发帖数: 1269 | 14 一般人的都会把401一直存到老,不用付tax的时候,所以你那个25%是不存在的.要比的只
是银行的钱拿去投资汇报是不是能超过房贷利息.我觉得如果没有什么好投资,拿401K的
钱付房子绝对是合算的.
with
back
money. Your principal is NOT double taxed. However, I do agree that your
For
【在 h****d 的大作中提到】
: Maybe I am wrong, but I would like to discuss about borrowing from 401k with
: you.
: I disagree with what you said. Yes, you are using post-tax money to pay back
: 401k loan. However, if you take the loan, you do not pay tax either.
: Therefore, you use the borrowed "pre-tax" money and spend it as "post-tax" money. Your principal is NOT double taxed. However, I do agree that your
: interests part is double tax. In my mind, when I consider whether I should
: borrow from 401k or from bank, the math should be
| h****d
发帖数: 358 | 15 when your 401k grow to a big number, I do not think that you can avoid tax.
If so, how? Move to other countries?
You need to convert 401k to IRA and you have the minimum distribution
requirement. The only way is to convert to ROTH when you are in 15% tax
bracket.
【在 c*******u 的大作中提到】
: 一般人的都会把401一直存到老,不用付tax的时候,所以你那个25%是不存在的.要比的只
: 是银行的钱拿去投资汇报是不是能超过房贷利息.我觉得如果没有什么好投资,拿401K的
: 钱付房子绝对是合算的.
:
: with
: back
: money. Your principal is NOT double taxed. However, I do agree that your
: For
| c*******u
发帖数: 1269 | 16 恩,我确实把401K 和 IRA搞混了,记成了60岁左右取401k可以不用上税.那时候税率应该
比现在低的不至于25%那么高,而且确实离开美国没有其他收入,可以一点点取,tax free
. 另外贷款一般大家都贷30年15年,算下来利息付很多钱,而从401K借钱一般就几年还掉
,利息少(一个人不可能在一个公司待太长时间)当然你也可以说房贷也可以把这部分钱
几年把钱还掉,但心理上还是感觉不一样. 另外说投资收益不是一年而是几年都beat贷
款利息才行的.
.
【在 h****d 的大作中提到】
: when your 401k grow to a big number, I do not think that you can avoid tax.
: If so, how? Move to other countries?
: You need to convert 401k to IRA and you have the minimum distribution
: requirement. The only way is to convert to ROTH when you are in 15% tax
: bracket.
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