B*t
2 楼
可以。
Traditional。
Traditional。
m*a
3 楼
both are OK unitl 4/15. I like Roth thought.
Traditional is tax-deferral, you pay tax on the day you withdraw.
Roth is tax-free earning. You use your cash (=income tax has been paid) and
try your best to increase them by investment. No matter how much you earn,
it is tax free.
ROTH feels like pain first and sweet later, while tradition is the verse.
【在 a*******n 的大作中提到】
: 如果能，是tranditional IRA,还是Roth IRA, 有什么需要注意的吗？
Traditional is tax-deferral, you pay tax on the day you withdraw.
Roth is tax-free earning. You use your cash (=income tax has been paid) and
try your best to increase them by investment. No matter how much you earn,
it is tax free.
ROTH feels like pain first and sweet later, while tradition is the verse.
【在 a*******n 的大作中提到】
: 如果能，是tranditional IRA,还是Roth IRA, 有什么需要注意的吗？
a*n
4 楼
但一般来说不是现在收入较高，税率也高；退休时收入低，税率也抵；因此应该现在尽
量少缴税，开 traditional IRA吗？
and
【在 m*****a 的大作中提到】
: both are OK unitl 4/15. I like Roth thought.
: Traditional is tax-deferral, you pay tax on the day you withdraw.
: Roth is tax-free earning. You use your cash (=income tax has been paid) and
: try your best to increase them by investment. No matter how much you earn,
: it is tax free.
: ROTH feels like pain first and sweet later, while tradition is the verse.
量少缴税，开 traditional IRA吗？
and
【在 m*****a 的大作中提到】
: both are OK unitl 4/15. I like Roth thought.
: Traditional is tax-deferral, you pay tax on the day you withdraw.
: Roth is tax-free earning. You use your cash (=income tax has been paid) and
: try your best to increase them by investment. No matter how much you earn,
: it is tax free.
: ROTH feels like pain first and sweet later, while tradition is the verse.
e*y
5 楼
but if you keep the money in your retirement account for 30+ years
the investment return will most likely be much more than your principal
so even your tax rate now is higher, in ROTH account you will only be taxed
for your principal
【在 a*******n 的大作中提到】
: 但一般来说不是现在收入较高，税率也高；退休时收入低，税率也抵；因此应该现在尽
: 量少缴税，开 traditional IRA吗？
:
: and
the investment return will most likely be much more than your principal
so even your tax rate now is higher, in ROTH account you will only be taxed
for your principal
【在 a*******n 的大作中提到】
: 但一般来说不是现在收入较高，税率也高；退休时收入低，税率也抵；因此应该现在尽
: 量少缴税，开 traditional IRA吗？
:
: and
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