终于搞清楚了Traditional 和rollover IRA的区别 - 未名空间MITBBS历史存档

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终于搞清楚了Traditional 和rollover IRA的区别

终于搞清楚了Traditional 和rollover IRA的区别# Investment - 投资

a*t2010-12-12 08:12

1 楼

两者基本上没有太大的区别，关于withdrawal的部分
区别在于在rollover IRA账户里面的钱，将来可以重新转移到401K账户。而传统的不行。
但是前提在于，自己不能往里面再贡献钱。
如果一旦自己贡献钱到rollover IRA，就丧失了将来转回401K的机会。
所以如果有钱在旧的401K账户，同时又想自己继续贡献，
最好的做法就是开两个账户
一个rollover ira，一个传统IRa账户。
如果错误，请指正。。

s*n2010-12-12 08:12

2 楼

完全正确。

行。

【在 a******t 的大作中提到】

: 两者基本上没有太大的区别，关于withdrawal的部分
: 区别在于在rollover IRA账户里面的钱，将来可以重新转移到401K账户。而传统的不行。
: 但是前提在于，自己不能往里面再贡献钱。
: 如果一旦自己贡献钱到rollover IRA，就丧失了将来转回401K的机会。
: 所以如果有钱在旧的401K账户，同时又想自己继续贡献，
: 最好的做法就是开两个账户
: 一个rollover ira，一个传统IRa账户。
: 如果错误，请指正。。

m*u2010-12-12 08:12

3 楼

I got a question.
Why would anyone want to transfer money from any IRA account back to a 401K
account, even if it is allowed?

s*n2010-12-12 08:12

4 楼

The biggest reason is you can access certain funds in 401k that you
cannot get in as individual investor in IRA. For example, there are
funds which require a very high initial investment, or there are
funds that have simply closed to new investors.
Another reason is that you can take personal loan against your own
401k. Although it's an amortized loan, it gives you some kind of
flexibily to take out the money and spend when you really have to.

401K

【在 m****u 的大作中提到】

: I got a question.
: Why would anyone want to transfer money from any IRA account back to a 401K
: account, even if it is allowed?

t*s2010-12-12 08:12

5 楼

also, if you want to convert your after tax traditional ira to roth ira,
you don't want the roll-over ira to complicate the basis.

【在 s********n 的大作中提到】

: The biggest reason is you can access certain funds in 401k that you
: cannot get in as individual investor in IRA. For example, there are
: funds which require a very high initial investment, or there are
: funds that have simply closed to new investors.
: Another reason is that you can take personal loan against your own
: 401k. Although it's an amortized loan, it gives you some kind of
: flexibily to take out the money and spend when you really have to.
:
: 401K

h*s2010-12-12 08:12

6 楼

Actually the opposite is more of a question, given that a lot of 401k
accounts allow flexible personal investment, too.

401K

【在 m****u 的大作中提到】

: I got a question.
: Why would anyone want to transfer money from any IRA account back to a 401K
: account, even if it is allowed?

s*d2010-12-12 08:12

7 楼

401K
因为有些公司401k plan很好，有很便宜的funds。

【在 m****u 的大作中提到】

: I got a question.
: Why would anyone want to transfer money from any IRA account back to a 401K
: account, even if it is allowed?

s*n2010-12-12 08:12

8 楼

多便宜算便宜呢？

【在 s**********d 的大作中提到】

:
: 401K
: 因为有些公司401k plan很好，有很便宜的funds。

t*m2010-12-12 08:12

9 楼

还有一个理由，
把 non-roth IRA全藏进401K, 这样高收入家庭，每年也可以投roth IRA了。

【在 s**********d 的大作中提到】

:
: 401K
: 因为有些公司401k plan很好，有很便宜的funds。

t*m2010-12-12 08:12

10 楼

for example, SPARTAN INDX funds are cheap, but hard to buy from your
brokerage account.

【在 s********n 的大作中提到】

: 多便宜算便宜呢？

s*n2010-12-12 08:12

11 楼

现在不是有些ETF index是no expense么？比如SCHB

【在 t*m 的大作中提到】

: for example, SPARTAN INDX funds are cheap, but hard to buy from your
: brokerage account.

t*m2010-12-12 08:12

12 楼

schb is 0.06% expense
spartan SP500 indx fund has expense ratio of 0.1%
consider there is spread for ETF, these two ETF/MF are equally expensive

【在 s********n 的大作中提到】

: 现在不是有些ETF index是no expense么？比如SCHB