S**C
发帖数: 2964 | 1 Increased to $18,000. IRA contribution limit remains the same at $5,500. |
j*p
发帖数: 780 | 2 有401就不能有IRA是吗？
★ 发自iPhone App: ChineseWeb 8.2.2
【在 S**C 的大作中提到】
: Increased to $18,000. IRA contribution limit remains the same at $5,500.
|
j*p
发帖数: 780 | 3 pre tax 401和Roth 401加一块18000，具体怎样操作？第一次考虑要投一些Roth。
★ 发自iPhone App: ChineseWeb 8.2.2
★ 发自iPhone App: ChineseWeb 8.2.2
【在 S**C 的大作中提到】
: Increased to $18,000. IRA contribution limit remains the same at $5,500.
|
r****m
发帖数: 1204 | 4 50/50 just to diversify, although most people say future tax rate will
increase, it's not a sure thing. |
p********8
发帖数: 81 | 5 建议是pre, post tax 各9000 USD？
然后开IRA？这个IRA里面的钱是从pre or post 401 转进去的？ |
j*p
发帖数: 780 | 6 税前加税后不超过18000？这两加一块算，有点怪。
★ 发自iPhone App: ChineseWeb 8.2.2
★ 发自iPhone App: ChineseWeb 8.2.2
【在 r****m 的大作中提到】
: 50/50 just to diversify, although most people say future tax rate will
: increase, it's not a sure thing.
|
j*p
发帖数: 780 | 7 存401就不能有IRA特别是工资大于一个数。这是我的理解需要专家确认。
★ 发自iPhone App: ChineseWeb 8.2.2
★ 发自iPhone App: ChineseWeb 8.2.2
【在 p********8 的大作中提到】
: 建议是pre, post tax 各9000 USD？
: 然后开IRA？这个IRA里面的钱是从pre or post 401 转进去的？
|
r****m
发帖数: 1204 | 8 I meant 50/50 Regular 401K and Roth 401K (if your employer offers Roth 401K)
. |
S**C
发帖数: 2964 | 9 ROTH 401(k) does not make much sense to many people in this forum. Think
about this, to pay tax now, every dollar you put in ROTH 401(k), you pay 32.
5% or 35% federal tax (since you are in AMT exemption phase out range, you
think your marginal fed tax rate is "only" 25% or 28%? Too bad!), plus 6%-8%
local tax. If you ever get laid off for a short period of time, you may
drop to 15-25% federal tax rate and whatever state tax for a year, in which
year you can do some ROTH conversion cheaply. Or if you never get laid off
in your career, you can retire earlier. Before RMD, you have plenty of time
to convert part of 401k to ROTH at lower rate.
And remember, the first several thousand dollars or more distributed from
401(k) will not be taxed at your marginal tax rate. |
r****m
发帖数: 1204 | 10 Generally I agree with your assessment, but I think one should not take for
granted the tax rate at future retirement time will be lower, for high
savers like Chinese, it pays to do some calculation and hedge the
potentially higher tax rates. |
S**C
发帖数: 2964 | 11 I have nothing to against what you said, but for folks who pay 32.5% or 35%
marginal federal tax thanks for AMT exemption phase out, they need to take a
really hard look.
I still remembered that day when I did some estimation on how much tax we
needed to pay if we rolled some money from old 401(k) over to IRA then
converted it to ROTH, then I found out it may not be a good idea for us. |
i**********o
发帖数: 5993 | 12 可以有
【在 j*p 的大作中提到】
: 有401就不能有IRA是吗？
:
: ★ 发自iPhone App: ChineseWeb 8.2.2
|
