d*r
发帖数: 238 | 1 现在401k已经放满，rothir也不能再存了。已经trigger amt，所以很多itemized
deduction都没有了。想玩问一下下一个投资的项目应该是什么？最好能有tax benefit
的。
529 / education ira？
把mortgage 付清？
annuity ?
另外请教一下，trigger amt之后，几乎所有的itemized deduction都给去掉了，这种
情况下还有什么减税的办法吗？ |
b******l
发帖数: 299 | 2 You can have a list of choices.
1. Buy term life insurance. That is what your financial advisor will tell
you to do.
2. Buy S&P 500 index. The turn over rate in S&P 500 index is so low that you
can enjoy your long term capital gain tax when you withdraw your fund. If
you don't withdraw, you don't need to pay any tax at all (i.e., tax-deferred)
3. Buy an investment property, such as an apartment.
4. Buy munibonds which is tax-free.
5. Donate your money to charity foundation.
benefit
【在 d*r 的大作中提到】
: 现在401k已经放满，rothir也不能再存了。已经trigger amt，所以很多itemized
: deduction都没有了。想玩问一下下一个投资的项目应该是什么？最好能有tax benefit
: 的。
: 529 / education ira？
: 把mortgage 付清？
: annuity ?
: 另外请教一下，trigger amt之后，几乎所有的itemized deduction都给去掉了，这种
: 情况下还有什么减税的办法吗？
|
p***2
发帖数: 374 | 3 Can you please elaborate the benefits of term life insurance?
Or, is there any reading about this?
you
deferred)
【在 b******l 的大作中提到】
: You can have a list of choices.
: 1. Buy term life insurance. That is what your financial advisor will tell
: you to do.
: 2. Buy S&P 500 index. The turn over rate in S&P 500 index is so low that you
: can enjoy your long term capital gain tax when you withdraw your fund. If
: you don't withdraw, you don't need to pay any tax at all (i.e., tax-deferred)
: 3. Buy an investment property, such as an apartment.
: 4. Buy munibonds which is tax-free.
: 5. Donate your money to charity foundation.
:
|
f*******n
发帖数: 12623 | 4 "rothir也不能再存了。"
这个什么意思？你是说超过收入上限吗？当然还可以存：你就要存在traditional IRA
跟着马上convert到roth IRA。
benefit
【在 d*r 的大作中提到】
: 现在401k已经放满，rothir也不能再存了。已经trigger amt，所以很多itemized
: deduction都没有了。想玩问一下下一个投资的项目应该是什么？最好能有tax benefit
: 的。
: 529 / education ira？
: 把mortgage 付清？
: annuity ?
: 另外请教一下，trigger amt之后，几乎所有的itemized deduction都给去掉了，这种
: 情况下还有什么减税的办法吗？
|
f********t
发帖数: 6999 | 5 insurance免税？
you
deferred)
【在 b******l 的大作中提到】
: You can have a list of choices.
: 1. Buy term life insurance. That is what your financial advisor will tell
: you to do.
: 2. Buy S&P 500 index. The turn over rate in S&P 500 index is so low that you
: can enjoy your long term capital gain tax when you withdraw your fund. If
: you don't withdraw, you don't need to pay any tax at all (i.e., tax-deferred)
: 3. Buy an investment property, such as an apartment.
: 4. Buy munibonds which is tax-free.
: 5. Donate your money to charity foundation.
:
|
m*****i
发帖数: 628 | 6 be careful with the tax trap
IRA
【在 f*******n 的大作中提到】
: "rothir也不能再存了。"
: 这个什么意思？你是说超过收入上限吗？当然还可以存：你就要存在traditional IRA
: 跟着马上convert到roth IRA。
:
: benefit
|
p********r
发帖数: 1980 | 7 Hire a tax consultant.
benefit
【在 d*r 的大作中提到】
: 现在401k已经放满，rothir也不能再存了。已经trigger amt，所以很多itemized
: deduction都没有了。想玩问一下下一个投资的项目应该是什么？最好能有tax benefit
: 的。
: 529 / education ira？
: 把mortgage 付清？
: annuity ?
: 另外请教一下，trigger amt之后，几乎所有的itemized deduction都给去掉了，这种
: 情况下还有什么减税的办法吗？
|
g*******0
发帖数: 2152 | 8 Insurance premium is not tax free. I think the rational here is the first
investment choice is to buy enough insurance to cover your major cost: house
mortgage, children education et al.
【在 f********t 的大作中提到】
: insurance免税？
:
: you
: deferred)
|
s********e
发帖数: 1596 | 9 这是什么意思，难道convert还有交税？今年第一年搞，都有什么trap啊？
【在 m*****i 的大作中提到】
: be careful with the tax trap
:
: IRA
|
s*******d
发帖数: 61 | 10 请问一下问什么大家都推荐SPY而不是qqq呢？ 貌似qqq长期看是beat spy的？
you
deferred)
【在 b******l 的大作中提到】
: You can have a list of choices.
: 1. Buy term life insurance. That is what your financial advisor will tell
: you to do.
: 2. Buy S&P 500 index. The turn over rate in S&P 500 index is so low that you
: can enjoy your long term capital gain tax when you withdraw your fund. If
: you don't withdraw, you don't need to pay any tax at all (i.e., tax-deferred)
: 3. Buy an investment property, such as an apartment.
: 4. Buy munibonds which is tax-free.
: 5. Donate your money to charity foundation.
:
|
n****u
发帖数: 229 | 11 gold
benefit
【在 d*r 的大作中提到】
: 现在401k已经放满，rothir也不能再存了。已经trigger amt，所以很多itemized
: deduction都没有了。想玩问一下下一个投资的项目应该是什么？最好能有tax benefit
: 的。
: 529 / education ira？
: 把mortgage 付清？
: annuity ?
: 另外请教一下，trigger amt之后，几乎所有的itemized deduction都给去掉了，这种
: 情况下还有什么减税的办法吗？
|
y****i
发帖数: 778 | 12 Muni bond, 4-6 percent yield, tax free and no amt.
benefit
【在 d*r 的大作中提到】
: 现在401k已经放满，rothir也不能再存了。已经trigger amt，所以很多itemized
: deduction都没有了。想玩问一下下一个投资的项目应该是什么？最好能有tax benefit
: 的。
: 529 / education ira？
: 把mortgage 付清？
: annuity ?
: 另外请教一下，trigger amt之后，几乎所有的itemized deduction都给去掉了，这种
: 情况下还有什么减税的办法吗？
|
