p*********n
发帖数: 443 | 1 if my tax bucket is 15%
thanks |
l******n
发帖数: 641 | 2 do i need money after i retire, if my tax is xxx?
【在 p*********n 的大作中提到】
: if my tax bucket is 15%
: thanks
|
K****D
发帖数: 30533 | 3 I wouldn't put more than the company matching portion.
【在 p*********n 的大作中提到】
: if my tax bucket is 15%
: thanks
|
w*****n
发帖数: 19 | 4 Since your tax bracket (whether effective or marginal) is low, it is usually
not a wise way to put more money than what is necessary to maximize your
company match (that is free money). If you want to invest more, Roth IRA
might be a good option to you. |
l******n
发帖数: 641 | 5 but if there's called roth 401k.
【在 K****D 的大作中提到】
: I wouldn't put more than the company matching portion.
|
w*****n
发帖数: 19 | 6 The availability of Roth 401k is not as popular as 401k. Not matter it is
401k or Roth 401k, these are all sponsored by employers. And normally these
plans only offer ~30 options to invest, depending on the company.
IRA and Roth IRA are individual retirement plans. Normally, IRAs have more
options to invest. |
J*****i
发帖数: 2622 | 7 Roth IRA 只能放5K （+ catch up), Roth 401K可以放很多
these
【在 w*****n 的大作中提到】
: The availability of Roth 401k is not as popular as 401k. Not matter it is
: 401k or Roth 401k, these are all sponsored by employers. And normally these
: plans only offer ~30 options to invest, depending on the company.
: IRA and Roth IRA are individual retirement plans. Normally, IRAs have more
: options to invest.
|
w*****n
发帖数: 19 | 8 That is a good point. But remember in this case, the tax bracket is 15%. It
might not be so easy to have enough discipline to contribute $5k every year.
【在 J*****i 的大作中提到】
: Roth IRA 只能放5K （+ catch up), Roth 401K可以放很多
:
: these
|
