s**l
发帖数: 869 | 1 新手准备学习投资。考虑到自己的有限资金和有限时间，mutual fund提供适当的风险
，比较多的选择，比较适合我。
许多人都推荐roth ira，我也在学习。过程中出现一个问题：直接开普通账号好还是通
过roth ira好？
从资金限制上看，roth ira比conventional ira好，但普通mutual fund账号不受资金
限制。roth ira 和普通mutual fund 账号都使用post-tax 收入。
从费用上看，roth ira似乎比普通MF账号低，可仔细想一下，两者都有management fee
; roth ira 应该可以waive commission fee,12-b,redemption fee; 两者最终都要交
tax, roth ira 是个人所得税when withdraw, 普通MF似乎是每年报税时交投资收益税
，似乎普通MF账号的交投资收益税一般比个人所得税要低。综合来看的话不好判断出哪
个总体费用更低。哪位能够深入介绍一下这两者在费用上 和交税上的区别？钱不多的
话，比如10k,普通MF账号总体费用会不会很高？
从风险上看，可选择的MF类别似乎都差不多，但是roth ira的选择pool相对较小。破产
的话roth ira 账号受到保护。这个地方也不太清楚，谁能深入介绍下两者投资风险。
我现在离退休还比较远，所以主要是想学习和尝试下投资。
另外fidelity和vanguard是不是差不多啊 ？ | X****r
发帖数: 3557 | 2 Roth IRA取钱不交税
fee
【在 s**l 的大作中提到】
: 新手准备学习投资。考虑到自己的有限资金和有限时间，mutual fund提供适当的风险
: ，比较多的选择，比较适合我。
: 许多人都推荐roth ira，我也在学习。过程中出现一个问题：直接开普通账号好还是通
: 过roth ira好？
: 从资金限制上看，roth ira比conventional ira好，但普通mutual fund账号不受资金
: 限制。roth ira 和普通mutual fund 账号都使用post-tax 收入。
: 从费用上看，roth ira似乎比普通MF账号低，可仔细想一下，两者都有management fee
: ; roth ira 应该可以waive commission fee,12-b,redemption fee; 两者最终都要交
: tax, roth ira 是个人所得税when withdraw, 普通MF似乎是每年报税时交投资收益税
: ，似乎普通MF账号的交投资收益税一般比个人所得税要低。综合来看的话不好判断出哪
| s**l
发帖数: 869 | 3 roth ira里面principle不交税，earnings 如果在59岁之前取出来是要交税的，不过关
系不大。如果是普通mutual fund账户，是不是principle的钱也是要交税的？ | p**h
发帖数: 1105 | 4 "roth ira里面principle不交税" -- 错， roth ira 的contribution是你税后的钱，
等同你已经交了税。 gain在你老的时候取出来时是免税的。
roth ira 今年只能放5500， 必须有W2收入的， 才能set up roth ira account， 而
且对收入有限制， 具体amount你自己查吧。。
roth ira 属于退休账户， 有些MF的minimum 投资额对退休账户很少，500 or 1000，
但对于一般的cash account 就很高， 10K or 100K，等等
【在 s**l 的大作中提到】
: roth ira里面principle不交税，earnings 如果在59岁之前取出来是要交税的，不过关
: 系不大。如果是普通mutual fund账户，是不是principle的钱也是要交税的？
| s**l
发帖数: 869 | 5 多谢指正
，
，
【在 p**h 的大作中提到】
: "roth ira里面principle不交税" -- 错， roth ira 的contribution是你税后的钱，
: 等同你已经交了税。 gain在你老的时候取出来时是免税的。
: roth ira 今年只能放5500， 必须有W2收入的， 才能set up roth ira account， 而
: 且对收入有限制， 具体amount你自己查吧。。
: roth ira 属于退休账户， 有些MF的minimum 投资额对退休账户很少，500 or 1000，
: 但对于一般的cash account 就很高， 10K or 100K，等等
| r****m
发帖数: 1204 | 6 Since you mentioned both conventional IRA and 普通mutual fund账号, I am
confused (maybe you're confused as well)?
1. Roth IRA vs. Traditional IRA
One of the key differences between the above two is: when do you pay tax?
Roth IRA contribution is max $5500 (2013) and it's after-tax money, when you
withdraw it in your retirement time, you pay NO tax at all.
Traditional IRA is pre-tax contribution, you will pay tax on the gain when
you use it in your retirement time.
There are some other differences, but the above one is the main one.
2. Roth IRA vs. 普通mutual fund账号
It's a no-brainer - open your Roth IRA account and max it first, before open
a 普通mutual fund账号.
Roth IRA is much better because you will have to pay tax on 普通mutual fund
账号 each and every year, even you didn't sell your share of mutual fund or
even had a loss.
For example, you invested $5000 in a mutual fund on Dec 1st, 2013, at Dec 31
, 2013, your balance dropped to $4800 (you had a loss, but you didn't sell
anything). In early 2014, chances are, you will get a statement from mutual
fund company - you had a gain in 2013 and you will have to pay tax!
Why, because when another investor in the same fund cashes out, mutual fund
has to sell shares to pay that person, the gain is distribution to every
investor, including you, even you had a loss.
It's good you want to learn in this space while you are still young, for now
, open a Roth IRA account and fund it, at either Vanguard or Fidelity, that
should be your first step. | s**l
发帖数: 869 | 7 在哪个地方开roth ira比较好呢？
vanguard? fidelity, scottrade?
我目前只想做mutual fund，不过在vanguard网页上找不到买MF的fee和关闭账号的费用
。它家的cost ratio倒是挺低的
you
【在 r****m 的大作中提到】
: Since you mentioned both conventional IRA and 普通mutual fund账号, I am
: confused (maybe you're confused as well)?
: 1. Roth IRA vs. Traditional IRA
: One of the key differences between the above two is: when do you pay tax?
: Roth IRA contribution is max $5500 (2013) and it's after-tax money, when you
: withdraw it in your retirement time, you pay NO tax at all.
: Traditional IRA is pre-tax contribution, you will pay tax on the gain when
: you use it in your retirement time.
: There are some other differences, but the above one is the main one.
: 2. Roth IRA vs. 普通mutual fund账号
| p**h
发帖数: 1105 | 8 不论V还是F,他们都提供免交易费的MF,而且品种很多， 基本够用了。 你的roth ira
一年也就5500 （2013）， 即使十年也不过5～6万的本钱， 买不了多少MF。 但是，
不是所有交易的MF都是免交易费的。 至于close account的费用， 偶没关过， 不知道
。。 不过你为啥要关？ 要是你只打算hold roth ira account 几年， 其实没啥必要开
【在 s**l 的大作中提到】
: 在哪个地方开roth ira比较好呢？
: vanguard? fidelity, scottrade?
: 我目前只想做mutual fund，不过在vanguard网页上找不到买MF的fee和关闭账号的费用
: 。它家的cost ratio倒是挺低的
:
: you
| r****m
发帖数: 1204 | 9 Roth IRA is for retirement use, if you take money out before 59.5, there is
penalty. This is true for any retirement account, because you already got
tax benefits, so you have to have some constraints.
Both F and V have no load index MFs with no trading fee.
Your research is good enough so far, what's needed is action, NOW! |
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