x*n
2 楼
大家都开哪种IRA啊?谁给分析一下利弊,有包子。
听说可以每年存进去几k,这部分钱不扣税,
只有盈利不能拿出来,其它都可以拿出来。
对么?
听说可以每年存进去几k,这部分钱不扣税,
只有盈利不能拿出来,其它都可以拿出来。
对么?
p*e
3 楼
想拍娃的小门牙
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S*P
4 楼
ROTH有收入限制啊
S*P
12 楼
两个都有收入限制,但有区别
roth ira 限制在 contribution
traditional ira 限制在 tax deduction
If a taxpayer's household is covered by one or more employer-sponsored
retirement plans, then the deductibility of traditional IRA contributions
are phased out as specified income levels are reached (Modified Adjusted
Gross Income is between).
roth ira 限制在 contribution
traditional ira 限制在 tax deduction
If a taxpayer's household is covered by one or more employer-sponsored
retirement plans, then the deductibility of traditional IRA contributions
are phased out as specified income levels are reached (Modified Adjusted
Gross Income is between).
S*P
14 楼
包子给我啊
a*t
42 楼
ROTH 优势不大。
理由是,如果现在convert到ROTH交税,交的是marginal tax rate,可能是在28%或以
上。
如果现在不交税,到老了取出来再交税,交的是整体税率,即当年全部收入(假设IRA
为全
部收入)减去Exemption,再减去deductible之后的税率,极有可能整体税率在15%一下。
ROTH是政府用来骗人的。被骗的对象是那些心存幻想,认为未来股票收益巨大的人。
理由是,如果现在convert到ROTH交税,交的是marginal tax rate,可能是在28%或以
上。
如果现在不交税,到老了取出来再交税,交的是整体税率,即当年全部收入(假设IRA
为全
部收入)减去Exemption,再减去deductible之后的税率,极有可能整体税率在15%一下。
ROTH是政府用来骗人的。被骗的对象是那些心存幻想,认为未来股票收益巨大的人。
S*P
43 楼
makes sense. basically, all retirement accounts are based on the same scheme
- "对象是那些心存幻想,认为未来股票收益巨大的人。"
IRA
下。
【在 a********t 的大作中提到】
: ROTH 优势不大。
: 理由是,如果现在convert到ROTH交税,交的是marginal tax rate,可能是在28%或以
: 上。
: 如果现在不交税,到老了取出来再交税,交的是整体税率,即当年全部收入(假设IRA
: 为全
: 部收入)减去Exemption,再减去deductible之后的税率,极有可能整体税率在15%一下。
: ROTH是政府用来骗人的。被骗的对象是那些心存幻想,认为未来股票收益巨大的人。
- "对象是那些心存幻想,认为未来股票收益巨大的人。"
IRA
下。
【在 a********t 的大作中提到】
: ROTH 优势不大。
: 理由是,如果现在convert到ROTH交税,交的是marginal tax rate,可能是在28%或以
: 上。
: 如果现在不交税,到老了取出来再交税,交的是整体税率,即当年全部收入(假设IRA
: 为全
: 部收入)减去Exemption,再减去deductible之后的税率,极有可能整体税率在15%一下。
: ROTH是政府用来骗人的。被骗的对象是那些心存幻想,认为未来股票收益巨大的人。
B*r
46 楼
What if you will be very rich, and paying 75% tax 30 years later in this
country?
IRA
下。
【在 a********t 的大作中提到】
: ROTH 优势不大。
: 理由是,如果现在convert到ROTH交税,交的是marginal tax rate,可能是在28%或以
: 上。
: 如果现在不交税,到老了取出来再交税,交的是整体税率,即当年全部收入(假设IRA
: 为全
: 部收入)减去Exemption,再减去deductible之后的税率,极有可能整体税率在15%一下。
: ROTH是政府用来骗人的。被骗的对象是那些心存幻想,认为未来股票收益巨大的人。
country?
IRA
下。
【在 a********t 的大作中提到】
: ROTH 优势不大。
: 理由是,如果现在convert到ROTH交税,交的是marginal tax rate,可能是在28%或以
: 上。
: 如果现在不交税,到老了取出来再交税,交的是整体税率,即当年全部收入(假设IRA
: 为全
: 部收入)减去Exemption,再减去deductible之后的税率,极有可能整体税率在15%一下。
: ROTH是政府用来骗人的。被骗的对象是那些心存幻想,认为未来股票收益巨大的人。
o*y
48 楼
The three biggest adavantages for the Roth IRA.
One is not tax when you withdraw the money from the IRA.
Second is that you can withdraw the principle after opening the account
after 5 years, no need wait for 59 and 1/2 year old.
Third is that you don't need have to withdraw the money after you turn 70
and 1/2 year old. You can keep the accout forever and even leave it to your
heirs without death tax.
【在 x*********n 的大作中提到】
: 大家都开哪种IRA啊?谁给分析一下利弊,有包子。
: 听说可以每年存进去几k,这部分钱不扣税,
: 只有盈利不能拿出来,其它都可以拿出来。
: 对么?
One is not tax when you withdraw the money from the IRA.
Second is that you can withdraw the principle after opening the account
after 5 years, no need wait for 59 and 1/2 year old.
Third is that you don't need have to withdraw the money after you turn 70
and 1/2 year old. You can keep the accout forever and even leave it to your
heirs without death tax.
【在 x*********n 的大作中提到】
: 大家都开哪种IRA啊?谁给分析一下利弊,有包子。
: 听说可以每年存进去几k,这部分钱不扣税,
: 只有盈利不能拿出来,其它都可以拿出来。
: 对么?
o*y
49 楼
Of course, you can do that.
My question to you is that, if you want to convert it to the Roth, you can
make contribution to the Roth directly, no need to make contribution to the
tradtional IRA.
【在 S*P 的大作中提到】
: makes sense. basically, all retirement accounts are based on the same scheme
: - "对象是那些心存幻想,认为未来股票收益巨大的人。"
:
: IRA
: 下。
My question to you is that, if you want to convert it to the Roth, you can
make contribution to the Roth directly, no need to make contribution to the
tradtional IRA.
【在 S*P 的大作中提到】
: makes sense. basically, all retirement accounts are based on the same scheme
: - "对象是那些心存幻想,认为未来股票收益巨大的人。"
:
: IRA
: 下。
o*y
50 楼
There is also income limit for non-tax traditonal IRA.
There is no income for the non-tax decuation traditional IRA.
If you already paid tax for your traditonal IRA, when you convert it to the
Roth, you need pay tax for that money again. You are double taxed for the
same money.
【在 S*P 的大作中提到】
: makes sense. basically, all retirement accounts are based on the same scheme
: - "对象是那些心存幻想,认为未来股票收益巨大的人。"
:
: IRA
: 下。
There is no income for the non-tax decuation traditional IRA.
If you already paid tax for your traditonal IRA, when you convert it to the
Roth, you need pay tax for that money again. You are double taxed for the
same money.
【在 S*P 的大作中提到】
: makes sense. basically, all retirement accounts are based on the same scheme
: - "对象是那些心存幻想,认为未来股票收益巨大的人。"
:
: IRA
: 下。
R*r
51 楼
咳咳.
Was this your experience? If yes, you were robbed.
there is no double tax.
the
【在 o****y 的大作中提到】
: There is also income limit for non-tax traditonal IRA.
: There is no income for the non-tax decuation traditional IRA.
: If you already paid tax for your traditonal IRA, when you convert it to the
: Roth, you need pay tax for that money again. You are double taxed for the
: same money.
Was this your experience? If yes, you were robbed.
there is no double tax.
the
【在 o****y 的大作中提到】
: There is also income limit for non-tax traditonal IRA.
: There is no income for the non-tax decuation traditional IRA.
: If you already paid tax for your traditonal IRA, when you convert it to the
: Roth, you need pay tax for that money again. You are double taxed for the
: same money.
w*n
52 楼
If your income is above the limit, when you contribute to traditional IRA
you cannot claim deduction. So, that money is in fact after tax money. When
you convert it to Roth, there is no further tax involved (unless you already
have gain, in which case, you will pay tax for the gain only). You just
need to
fill out a form for IRS to know that you didn't claim deduction for it.
the
【在 o****y 的大作中提到】
: There is also income limit for non-tax traditonal IRA.
: There is no income for the non-tax decuation traditional IRA.
: If you already paid tax for your traditonal IRA, when you convert it to the
: Roth, you need pay tax for that money again. You are double taxed for the
: same money.
you cannot claim deduction. So, that money is in fact after tax money. When
you convert it to Roth, there is no further tax involved (unless you already
have gain, in which case, you will pay tax for the gain only). You just
need to
fill out a form for IRS to know that you didn't claim deduction for it.
the
【在 o****y 的大作中提到】
: There is also income limit for non-tax traditonal IRA.
: There is no income for the non-tax decuation traditional IRA.
: If you already paid tax for your traditonal IRA, when you convert it to the
: Roth, you need pay tax for that money again. You are double taxed for the
: same money.
R*r
53 楼
那位老人家可能记错了.
When
already
【在 w***n 的大作中提到】
: If your income is above the limit, when you contribute to traditional IRA
: you cannot claim deduction. So, that money is in fact after tax money. When
: you convert it to Roth, there is no further tax involved (unless you already
: have gain, in which case, you will pay tax for the gain only). You just
: need to
: fill out a form for IRS to know that you didn't claim deduction for it.
:
: the
When
already
【在 w***n 的大作中提到】
: If your income is above the limit, when you contribute to traditional IRA
: you cannot claim deduction. So, that money is in fact after tax money. When
: you convert it to Roth, there is no further tax involved (unless you already
: have gain, in which case, you will pay tax for the gain only). You just
: need to
: fill out a form for IRS to know that you didn't claim deduction for it.
:
: the
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