工作了，问问401k的问题# Investment - 投资
a*s
1 楼
刚工作，要加入401k，公司最高match 50% at 5%， 挺差的
看了一下401k，MF的pool，很有限呀。
大家投不投401k呀？
看了一下401k，MF的pool，很有限呀。
大家投不投401k呀？
K*D
2 楼
no brainer, max out matching.
【在 a*****s 的大作中提到】
: 刚工作，要加入401k，公司最高match 50% at 5%， 挺差的
: 看了一下401k，MF的pool，很有限呀。
: 大家投不投401k呀？
【在 a*****s 的大作中提到】
: 刚工作，要加入401k，公司最高match 50% at 5%， 挺差的
: 看了一下401k，MF的pool，很有限呀。
: 大家投不投401k呀？
a*s
3 楼
现在这形势，是不是留着cash在里面就行了？
好戏那个没有CD选项，我们用的是TRprice。
【在 K****D 的大作中提到】
: no brainer, max out matching.
好戏那个没有CD选项，我们用的是TRprice。
【在 K****D 的大作中提到】
: no brainer, max out matching.
K*D
4 楼
Then pick one that's least volatile.
【在 a*****s 的大作中提到】
: 现在这形势，是不是留着cash在里面就行了？
: 好戏那个没有CD选项，我们用的是TRprice。
【在 a*****s 的大作中提到】
: 现在这形势，是不是留着cash在里面就行了？
: 好戏那个没有CD选项，我们用的是TRprice。
a*s
5 楼
再问问Roth，是不是先max roth 更好一些？
K*D
6 楼
max out 401k matching first.
【在 a*****s 的大作中提到】
: 再问问Roth，是不是先max roth 更好一些？
【在 a*****s 的大作中提到】
: 再问问Roth，是不是先max roth 更好一些？
x*o
7 楼
Max out matching 401k already. Is it still a good idea to open a ROTH IRA?
P.S.: new employee as well.
P.S.: new employee as well.
K*D
8 楼
Yes.
Unlike 401k, it is very simple to answer the question "should I
contribute to Roth IRA": *ALWAYS* yes while you can.
【在 x*****o 的大作中提到】
: Max out matching 401k already. Is it still a good idea to open a ROTH IRA?
: P.S.: new employee as well.
Unlike 401k, it is very simple to answer the question "should I
contribute to Roth IRA": *ALWAYS* yes while you can.
【在 x*****o 的大作中提到】
: Max out matching 401k already. Is it still a good idea to open a ROTH IRA?
: P.S.: new employee as well.
x*o
9 楼
any recommendation on where to open a ROTH IRA?
u*o
10 楼
not always bah?
【在 K****D 的大作中提到】
: Yes.
: Unlike 401k, it is very simple to answer the question "should I
: contribute to Roth IRA": *ALWAYS* yes while you can.
【在 K****D 的大作中提到】
: Yes.
: Unlike 401k, it is very simple to answer the question "should I
: contribute to Roth IRA": *ALWAYS* yes while you can.
K*D
11 楼
Always, "while you can". This means:
1) You are allowed by IRS to contribute.
2) You can afford to contribute (no debt, living concerns).
【在 u**o 的大作中提到】
: not always bah?
1) You are allowed by IRS to contribute.
2) You can afford to contribute (no debt, living concerns).
【在 u**o 的大作中提到】
: not always bah?
K*D
12 楼
No recommendations, //sigh.
【在 x*****o 的大作中提到】
: any recommendation on where to open a ROTH IRA?
【在 x*****o 的大作中提到】
: any recommendation on where to open a ROTH IRA?
u*o
13 楼
if returning to China soon, i guess no need to contribute to ROTH IRA bah?
because after going back, all gains are tax-free?
is that correct?
【在 K****D 的大作中提到】
: Always, "while you can". This means:
: 1) You are allowed by IRS to contribute.
: 2) You can afford to contribute (no debt, living concerns).
because after going back, all gains are tax-free?
is that correct?
【在 K****D 的大作中提到】
: Always, "while you can". This means:
: 1) You are allowed by IRS to contribute.
: 2) You can afford to contribute (no debt, living concerns).
K*D
14 楼
hoho, correct. I missed that situation.
In fact, if one plans to return to China, it's better not to open any
retirement account just to save the hassle.
【在 u**o 的大作中提到】
: if returning to China soon, i guess no need to contribute to ROTH IRA bah?
: because after going back, all gains are tax-free?
: is that correct?
In fact, if one plans to return to China, it's better not to open any
retirement account just to save the hassle.
【在 u**o 的大作中提到】
: if returning to China soon, i guess no need to contribute to ROTH IRA bah?
: because after going back, all gains are tax-free?
: is that correct?
x*o
15 楼
So gains in ROTH IRA account are tax exempt (one big pro), but similar to
401k, I cannot take a penny out without penalty before a certain age (65?).
Am I correct?
401k, I cannot take a penny out without penalty before a certain age (65?).
Am I correct?
K*D
16 楼
You can take money out of IRA, although I personally would never consider
that as my reason to contribute to Roth IRA (it's totally not worth doing
that).
The age is 59.5, the same as 401k.
The difference is, you can take your principal out at any time without
penalty in Roth.
.
【在 x*****o 的大作中提到】
: So gains in ROTH IRA account are tax exempt (one big pro), but similar to
: 401k, I cannot take a penny out without penalty before a certain age (65?).
: Am I correct?
that as my reason to contribute to Roth IRA (it's totally not worth doing
that).
The age is 59.5, the same as 401k.
The difference is, you can take your principal out at any time without
penalty in Roth.
.
【在 x*****o 的大作中提到】
: So gains in ROTH IRA account are tax exempt (one big pro), but similar to
: 401k, I cannot take a penny out without penalty before a certain age (65?).
: Am I correct?
x*o
17 楼
After age 59.5, can I drain the IRA account at one time without paying any
taxes? (imagining a lot of $$$$$$)
P.S.: hopefully the policy about ROTH IRA won't change much during the
following 30-something years.
【在 K****D 的大作中提到】
: You can take money out of IRA, although I personally would never consider
: that as my reason to contribute to Roth IRA (it's totally not worth doing
: that).
: The age is 59.5, the same as 401k.
: The difference is, you can take your principal out at any time without
: penalty in Roth.
:
: .
taxes? (imagining a lot of $$$$$$)
P.S.: hopefully the policy about ROTH IRA won't change much during the
following 30-something years.
【在 K****D 的大作中提到】
: You can take money out of IRA, although I personally would never consider
: that as my reason to contribute to Roth IRA (it's totally not worth doing
: that).
: The age is 59.5, the same as 401k.
: The difference is, you can take your principal out at any time without
: penalty in Roth.
:
: .
x*o
18 楼
this is very attractive!
you can take your principal out at any time without penalty in Roth.
【在 K****D 的大作中提到】
: You can take money out of IRA, although I personally would never consider
: that as my reason to contribute to Roth IRA (it's totally not worth doing
: that).
: The age is 59.5, the same as 401k.
: The difference is, you can take your principal out at any time without
: penalty in Roth.
:
: .
you can take your principal out at any time without penalty in Roth.
【在 K****D 的大作中提到】
: You can take money out of IRA, although I personally would never consider
: that as my reason to contribute to Roth IRA (it's totally not worth doing
: that).
: The age is 59.5, the same as 401k.
: The difference is, you can take your principal out at any time without
: penalty in Roth.
:
: .
K*D
19 楼
YES WE CAN~~~!
But we want CHANGE!
haha.
【在 x*****o 的大作中提到】
: After age 59.5, can I drain the IRA account at one time without paying any
: taxes? (imagining a lot of $$$$$$)
: P.S.: hopefully the policy about ROTH IRA won't change much during the
: following 30-something years.
But we want CHANGE!
haha.
【在 x*****o 的大作中提到】
: After age 59.5, can I drain the IRA account at one time without paying any
: taxes? (imagining a lot of $$$$$$)
: P.S.: hopefully the policy about ROTH IRA won't change much during the
: following 30-something years.
K*D
20 楼
I hope you won't feel that way, //sigh.
You are basically gaining nothing by doing that, unless:
1) you expect your tax rate to rise significantly in the future, and yet
2) you will need money urgently under condition 1), i.e., you need money
although your income is much higher.
【在 x*****o 的大作中提到】
: this is very attractive!
:
: you can take your principal out at any time without penalty in Roth.
You are basically gaining nothing by doing that, unless:
1) you expect your tax rate to rise significantly in the future, and yet
2) you will need money urgently under condition 1), i.e., you need money
although your income is much higher.
【在 x*****o 的大作中提到】
: this is very attractive!
:
: you can take your principal out at any time without penalty in Roth.
x*o
21 楼
Thanks KennyD! Now my question left is where to open an account and how to
invest using those thousands of dollars in IRA. :0
BTW, I guess investment professionals have certain restrictions on
investment even with IRA account.
invest using those thousands of dollars in IRA. :0
BTW, I guess investment professionals have certain restrictions on
investment even with IRA account.
a*s
22 楼
what is the salary limit for Roth?
$110K?
$110K?
x*o
23 楼
There is a salary limit for contributing IRA???!!!
【在 a*****s 的大作中提到】
: what is the salary limit for Roth?
: $110K?
【在 a*****s 的大作中提到】
: what is the salary limit for Roth?
: $110K?
a*s
24 楼
yes, for roth IRA
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