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新手请教问题（roth，529）

新手请教问题（roth，529）# Investment - 投资

w*n2008-12-18 08:12

1 楼

如果手上有闲钱，是买roth ira还是付房贷？我觉得如果roth的回报率还比房贷的贷款
利率要低，不是不合算吗？
另外，roth的本金随时拿出来，需要理由吗？拿出来还能再放回去吗？
最后一个问题，529的benefit是什么？ny州的529计划据说很不好，可是假如外州的计
划，不是没法省州税吗？不省州税那还有什么好处？就是收益不用交税吗？可是这样，
为什么不另外买一个roth呢？我的意思是买roth的benefit是不是比买529高？
谢谢答疑。

K*D2008-12-18 08:12

2 楼

Roth. Correct.
No. No.
Refuse to answer all the questions in 3rd paragraph. It's definitely not
"最后一个问题"!

【在 w****n 的大作中提到】

: 如果手上有闲钱，是买roth ira还是付房贷？我觉得如果roth的回报率还比房贷的贷款
: 利率要低，不是不合算吗？
: 另外，roth的本金随时拿出来，需要理由吗？拿出来还能再放回去吗？
: 最后一个问题，529的benefit是什么？ny州的529计划据说很不好，可是假如外州的计
: 划，不是没法省州税吗？不省州税那还有什么好处？就是收益不用交税吗？可是这样，
: 为什么不另外买一个roth呢？我的意思是买roth的benefit是不是比买529高？
: 谢谢答疑。

w*n2008-12-18 08:12

3 楼

那第一个问题为什么要选roth啊？我付房贷的话一年不是可省利息好几百吗，放roth可
能还亏呢？
不是“最后一个问题”，依旧请求答疑。
bow！

【在 K****D 的大作中提到】

: Roth. Correct.
: No. No.
: Refuse to answer all the questions in 3rd paragraph. It's definitely not
: "最后一个问题"!

c*o2008-12-18 08:12

4 楼

把目光看远一点，ROTH的好处很多

K*D2008-12-18 08:12

5 楼

Majorly because Roth has contribution limit each year, i.e., 过了这个村
就没了这个店。

【在 w****n 的大作中提到】

: 那第一个问题为什么要选roth啊？我付房贷的话一年不是可省利息好几百吗，放roth可
: 能还亏呢？
: 不是“最后一个问题”，依旧请求答疑。
: bow！

K*D2008-12-18 08:12

6 楼

Paying no fed tax when cashing it out for higher education purposes, and
sometimes deduction of state tax when contributing.
Yup.
See first answer.
See first answer.
Because Roth has yearly contribution limit and other restrictions.
Sure, Roth the *THE* best tax-advantaged plan of all.

【在 w****n 的大作中提到】

: 那第一个问题为什么要选roth啊？我付房贷的话一年不是可省利息好几百吗，放roth可
: 能还亏呢？
: 不是“最后一个问题”，依旧请求答疑。
: bow！

w*n2008-12-18 08:12

7 楼

谢谢KennyD的回答，清楚多了。
Roth对年收入有限制，好像年收入大于多少的就不能开roth呢。但是举个例子，如果我
2007还满足开Roth的条件，然后开了Roth帐号，到2008年，年收入增加了，不满足
contribute到roth的条件，但是帐号已经在那里呢，我还能继续往里投钱吗？Fidelity
这种网站会track你的收入吗？
另外，通常讨论tradtional和roth选哪一个的时候，都说看你现在和将来的tax bucket
在哪里。现在的tax bucket很容易明白，看年收入就是了。可是退休了，年收入不是没
有了嘛？你的tax bucket怎么决定。
请求继续答疑。谢谢。

K*D2008-12-18 08:12

8 楼

No. No.
No (income == yearly whatever money into your pocket that's subject to tax).

Fidelity
bucket

【在 w****n 的大作中提到】

: 谢谢KennyD的回答，清楚多了。
: Roth对年收入有限制，好像年收入大于多少的就不能开roth呢。但是举个例子，如果我
: 2007还满足开Roth的条件，然后开了Roth帐号，到2008年，年收入增加了，不满足
: contribute到roth的条件，但是帐号已经在那里呢，我还能继续往里投钱吗？Fidelity
: 这种网站会track你的收入吗？
: 另外，通常讨论tradtional和roth选哪一个的时候，都说看你现在和将来的tax bucket
: 在哪里。现在的tax bucket很容易明白，看年收入就是了。可是退休了，年收入不是没
: 有了嘛？你的tax bucket怎么决定。
: 请求继续答疑。谢谢。

w*n2008-12-18 08:12

9 楼

KennyD,
你的回答真是简单啊。
fidelity既然不会track我的收入，看上去我就可以转钱到我的roth帐号啊？为什么不
行呢？你说的NO是什么意思？
如果(income == yearly whatever money into your pocket that's subject to tax)
，那退休之后肯定没有现在这么多钱啊，为什么很多人还说roth比traditional好？

).

【在 K****D 的大作中提到】

: No. No.
: No (income == yearly whatever money into your pocket that's subject to tax).
:
: Fidelity
: bucket

c*o2008-12-18 08:12

10 楼

你难道不保税的吗？你玩这个危险游戏，IRS会找你麻烦的

tax)

【在 w****n 的大作中提到】

: KennyD,
: 你的回答真是简单啊。
: fidelity既然不会track我的收入，看上去我就可以转钱到我的roth帐号啊？为什么不
: 行呢？你说的NO是什么意思？
: 如果(income == yearly whatever money into your pocket that's subject to tax)
: ，那退休之后肯定没有现在这么多钱啊，为什么很多人还说roth比traditional好？
:
: ).

K*D2008-12-18 08:12

11 楼

No. Because Fidelity reports your yearly contributition amount to IRS
and IRS can choose to track it down. See the answer above.
Majorly because many people speculate that the tax rate would be higher
30 years from now; also for people who like to save, it is possible
to have higher income than now.

tax)

【在 w****n 的大作中提到】

w*n2008-12-18 08:12

12 楼

多谢楼上的几位回答。
;-)

【在 K****D 的大作中提到】

: No. Because Fidelity reports your yearly contributition amount to IRS
: and IRS can choose to track it down. See the answer above.
: Majorly because many people speculate that the tax rate would be higher
: 30 years from now; also for people who like to save, it is possible
: to have higher income than now.
:
: tax)

w*n2008-12-18 08:12

13 楼

继续问问题：
如果合乎投roth的标准，full contribution是不是意味着每家可以投10000（5000×2
）？要开两个帐号？
如果只能partially contribute，这个投多少怎么算的啊？
谢谢。

K*D2008-12-18 08:12

14 楼

Not necessarily (there are quite some scenarios, but for the majority of
people, yes). Yes.
If you are allowed to contribute $5000 if your income is <= $A,
you are allowed to contribute $0 if your income is >=$B,
and your actual income is $C (which is higher than A and lower than B),
then do a linear interpolation to get how much you are allowed to
contribute. (e.g., if you earn (A+B)/2, then you can contribute up
to $2500.) This will give you an idea. For the accurate number, refer
to IRS.gov.

【在 w****n 的大作中提到】

: 继续问问题：
: 如果合乎投roth的标准，full contribution是不是意味着每家可以投10000（5000×2
: ）？要开两个帐号？
: 如果只能partially contribute，这个投多少怎么算的啊？
: 谢谢。

w*n2008-12-18 08:12

15 楼

thanks a lot!

【在 K****D 的大作中提到】

: Not necessarily (there are quite some scenarios, but for the majority of
: people, yes). Yes.
: If you are allowed to contribute $5000 if your income is <= $A,
: you are allowed to contribute $0 if your income is >=$B,
: and your actual income is $C (which is higher than A and lower than B),
: then do a linear interpolation to get how much you are allowed to
: contribute. (e.g., if you earn (A+B)/2, then you can contribute up
: to $2500.) This will give you an idea. For the accurate number, refer
: to IRS.gov.

y*n2008-12-18 08:12

16 楼

如果手上有闲钱，是买roth ira还是付房贷？我觉得如果roth的回报率还比房贷的贷款
利率要低，不是不合算吗？
This is not exactly simplistic, it depends on your Roth IRA rate of returns,
your tax bracket and you interest rate on your mortgage.
The biggest benefit of ROTH IRA is the return is Fed tax free. So you need
to compare your return to your net mortgage payment [substract tax savings]
or mortgage savings [from paying early]
另外，roth的本金随时拿出来，需要理由吗？拿出来还能再放回去吗？
you should check irs.gov site which has detailed description. My
recollection is

f*t2008-12-18 08:12

17 楼

I think roth 401k solves this problem?

【在 K****D 的大作中提到】

: Majorly because Roth has contribution limit each year, i.e., 过了这个村
: 就没了这个店。

k*f2008-12-18 08:12

18 楼

The main advantage of a 529 plan over Roth IRA for funding education purpose,
are
(1) there is no income limit for the contributor to a 529 plan, while high
income people are not eligible for Roth IRA.
(2) The maximum contribution to a Roth IRA is $5000 in 2009. 529 plans allow
much more contribution: contribute up to $65,000 ($130,000 per married
couple) per beneficiary in a single year without incurring a federal gift
tax.
Besides, for those couples whose income in 2008 is between $169,000 an

【在 w****n 的大作中提到】

: thanks a lot!

k*f2008-12-18 08:12

19 楼

While this is true, but I think it is more important that Roth 401k opens
the door of the "Roth" type of retirement account for those with too high
income to be eligible for Roth IRA.
Even the contribution limit of 401k ($16500 per parent in 2009) is just a
small fraction that of the 529 plan ($65000 from each parent for each
beneficiary in 2009)