g*******y
发帖数: 1930 | 1 刚参加工作，听说max最好？
如果我存的多的话，假设存15-20%左右的到401k，那么我的taxable的工资数低不少，
导致tax rate也
会降低一下，我算了算，好像能有3-5k的额外的收益due to lower tax rate
不知道我这样理解是否有问题?
另外，除了base，以后的bonus也会contribute to 401k吧，问题是我现在又不知道以
后的bonus会是
多少，就没办法准确的设一个max out 16,500的401k百分比了？听说超过16500有额外
的罚款
另外好像401k百分比不能是小数？
麻烦高手解疑，多谢！
另外一个问题就是，现在距离年底只有半年的时候，那么我可以在这半年内疯狂的存16,500进去？ | J*L
发帖数: 2659 | 2 it's pay now or pay later. when you withdraw the money, you will need to pay
the income tax on them.
if you are not old enough, and withdraw the money, there's fed tax penalty
and state tax penalty to get even more money from you.
if you really want to lower the taxable amount for now, you can also max out
the traditional IRA. |
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