n**m 发帖数: 255 | 1 大家有没有考虑过。在401K,ROTH ira MAX 的情况下。 现在的tax rate is 30%+. W2
income,没有办法省税。
如果把钱放在529里,可以defer tax. 退休的时候。 可以:
1) 在退休的地方,注册一个community college. 可以在旅游的,甚至oversea. 把
room and living expense cover 一部
2) 最坏是take 10% tax penalty, probably under a lower tax rate.
大家看看可行吗? |
s********i 发帖数: 17328 | 2 美国政府不是傻子。自己wiki一下就知道了:
http://en.wikipedia.org/wiki/529_plan
不免federal tax,可免state tax。 |
q****x 发帖数: 7404 | 3 他是说把生活费用计入上学费用吧。
【在 s********i 的大作中提到】 : 美国政府不是傻子。自己wiki一下就知道了: : http://en.wikipedia.org/wiki/529_plan : 不免federal tax,可免state tax。
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s********i 发帖数: 17328 | 4 首先,他的assumption就不对,不免联邦税,那是大头。
其次,
==quote==
The money can also be used for room and board, as long as the fund
beneficiary is at least a half-time student. Off-campus housing costs are
covered up to the allowance for room and board that the college includes in
its cost of attendance for federal financial-aid purposes.
==end of quote==
half time student得注册几个学分?一个学分做少钱?以现在的价格计算也得$200-300
一个学分吧?算一年12个学分?这钱时白教了(你难道那会儿还真上学?),你一年存
1万刀省几百块钱州税,交几千块学费?
【在 q****x 的大作中提到】 : 他是说把生活费用计入上学费用吧。
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s********i 发帖数: 17328 | 5 另外,penalty的税率可不一定是你当时的税率,说不定人家从你defer的那时候算起计
算利息。
==quote==
The earnings portion of money withdrawn from a 529 plan that is not spent on
eligible college expenses will be subject to income tax, an additional 10%
federal tax penalty, and the possibility of a recapture of any state tax
deductions or credits taken.
==end of quote== |
c**********0 发帖数: 624 | |