2，3年后买房，现在应该每年都放满401K和ROTH IRA吗？ - 未名空间MITBBS历史存档

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2，3年后买房，现在应该每年都放满401K和ROTH IRA吗？

2，3年后买房，现在应该每年都放满401K和ROTH IRA吗？# Living

r*82011-12-27 08:12

1 楼

准备2，3年后买房，目前401K（一个人）和ROTH IRA（两个人）每年都放满，准备用剩
余的积蓄（reward checking + index fund）加上401K LOAN付首付，不准备用ROTH
IRA的$20K（两个人，首次买房），请问这样的想法有问题吗？

j*k2011-12-27 08:12

2 楼

it is risky to take out a 401K loan, because if you ever leave your job, you
have only 90 days to pay it back without tax penalty. For the next 2 years,
you should contribute only to the max of your company matching, not a penny
more. When you buy the house, don;t touch 401K.
not too sure about IRS rules on withdraw...

【在 r*******8 的大作中提到】

: 准备2，3年后买房，目前401K（一个人）和ROTH IRA（两个人）每年都放满，准备用剩
: 余的积蓄（reward checking + index fund）加上401K LOAN付首付，不准备用ROTH
: IRA的$20K（两个人，首次买房），请问这样的想法有问题吗？

k*o2011-12-27 08:12

3 楼

401K loan is good option if you could keep your job and pay back on time
since interst charged will be paid back to yourself. If you don't have a job
, either you pay full back within certain days, or regarded as withdraw.
If you withdraw, you have to pay 10% penalty and income tax, assuming you
have not reached 59.5 years old.
If I remmber correctly, you could (hardship) withdraw a certain amount (i.e.
$10K) if you are first home buyer without any penalty.

【在 r*******8 的大作中提到】

r*82011-12-27 08:12

4 楼

2，3年后我手头的现金（不算401K和ROTH IRA）会超过20%首付加上5万，所以我可以立
马还401K LOAN（最多5万）。这样是不是就没问题了，或者我压根应该动用现金，不动
401K LOAN？

you
years,
penny

【在 j***k 的大作中提到】

: it is risky to take out a 401K loan, because if you ever leave your job, you
: have only 90 days to pay it back without tax penalty. For the next 2 years,
: you should contribute only to the max of your company matching, not a penny
: more. When you buy the house, don;t touch 401K.
: not too sure about IRS rules on withdraw...

r*82011-12-27 08:12

5 楼

手头现金足够，PAY BACK不是问题。
不知道有没有人算过，付首付，用401K LOAN，用$20K AS FIRST HOME BUYER，或者用
其余现金，哪个最好？

job
e.

【在 k******o 的大作中提到】

: 401K loan is good option if you could keep your job and pay back on time
: since interst charged will be paid back to yourself. If you don't have a job
: , either you pay full back within certain days, or regarded as withdraw.
: If you withdraw, you have to pay 10% penalty and income tax, assuming you
: have not reached 59.5 years old.
: If I remmber correctly, you could (hardship) withdraw a certain amount (i.e.
: $10K) if you are first home buyer without any penalty.