v******u
发帖数: 451 | 1 家庭收入在deductible traditional IRA和Roth IRA上限之间，tax bracket 25%，无
州税，401K现在放到雇主match的部分(很少<5%)。我们的退休计划是
1）max out roth
2）放更多的钱到401K，使tax bracket降到15%
请问该资金分配是否合理？如果还有多余的钱是该投到401K还是放到non-deductible
traditional IRA?多谢。 |
s****i
发帖数: 2993 | 2 Always max out 401k first.
Lower AGI brings in many benefits. |
M*******s
发帖数: 1210 | 3 given your current bracket is 25%, it's hard to lower tax bracket to 15% i
suspect...
it makes sense to me to set the seriatim as follow: 401k match -> roth ira
-> extra 401k
【在 v******u 的大作中提到】
: 家庭收入在deductible traditional IRA和Roth IRA上限之间，tax bracket 25%，无
: 州税，401K现在放到雇主match的部分(很少<5%)。我们的退休计划是
: 1）max out roth
: 2）放更多的钱到401K，使tax bracket降到15%
: 请问该资金分配是否合理？如果还有多余的钱是该投到401K还是放到non-deductible
: traditional IRA?多谢。
|
s********n
发帖数: 4535 | 4 正因为降不到15%，也就是说401k所有的都在25%这个bracket下，那就更应该先放401k吧
如果401k match放完后就能降到15% tax bracket，那就应该先放 roth ira再放extra
401k
i
ira
【在 M*******s 的大作中提到】
: given your current bracket is 25%, it's hard to lower tax bracket to 15% i
: suspect...
: it makes sense to me to set the seriatim as follow: 401k match -> roth ira
: -> extra 401k
|
M*******s
发帖数: 1210 | 5 sounds right to me.
the comparison you have to make is pay tax now, or pay tax later.
i don't know when the tax rate will be in 30 years, but current us tax rate
is low if you look back into history.
401k吧
extra
【在 s********n 的大作中提到】
: 正因为降不到15%，也就是说401k所有的都在25%这个bracket下，那就更应该先放401k吧
: 如果401k match放完后就能降到15% tax bracket，那就应该先放 roth ira再放extra
: 401k
:
: i
: ira
|
f*******n
发帖数: 12623 | 6
This part doesn't make sense. You can only put $5000 max per year into
traditional IRAs and Roth IRAs combined. Why would you put money into a non-
deductible traditional IRA instead of a Roth IRA? Roth IRA is strictly
better than a non-deductible traditional IRA.
【在 v******u 的大作中提到】
: 家庭收入在deductible traditional IRA和Roth IRA上限之间，tax bracket 25%，无
: 州税，401K现在放到雇主match的部分(很少<5%)。我们的退休计划是
: 1）max out roth
: 2）放更多的钱到401K，使tax bracket降到15%
: 请问该资金分配是否合理？如果还有多余的钱是该投到401K还是放到non-deductible
: traditional IRA?多谢。
|
z**********i
发帖数: 12276 | 7 我们的好像是20%，多少收入可以降到15%？
【在 v******u 的大作中提到】
: 家庭收入在deductible traditional IRA和Roth IRA上限之间，tax bracket 25%，无
: 州税，401K现在放到雇主match的部分(很少<5%)。我们的退休计划是
: 1）max out roth
: 2）放更多的钱到401K，使tax bracket降到15%
: 请问该资金分配是否合理？如果还有多余的钱是该投到401K还是放到non-deductible
: traditional IRA?多谢。
|
z**********i
发帖数: 12276 | 8 2011， 25%, married, 69000-139000.
这个是交了mortgage之后的吗？
【在 v******u 的大作中提到】
: 家庭收入在deductible traditional IRA和Roth IRA上限之间，tax bracket 25%，无
: 州税，401K现在放到雇主match的部分(很少<5%)。我们的退休计划是
: 1）max out roth
: 2）放更多的钱到401K，使tax bracket降到15%
: 请问该资金分配是否合理？如果还有多余的钱是该投到401K还是放到non-deductible
: traditional IRA?多谢。
|
c**********0
发帖数: 624 | 9 seems if you quit qualified plan from the employer( defined benefit excepted
), you can deducte all the contribution of your own IRA.
25% to 15%, more information needed. any education, health saving account,
FSA? |
