c*o
2 楼
可以。
【在 w**********o 的大作中提到】
: 如题
: 对401K不太了解
: 如果用来投资债券，股票之类的基金
: 当时就能够取现么？
: 流动性好么？
【在 w**********o 的大作中提到】
: 如题
: 对401K不太了解
: 如果用来投资债券，股票之类的基金
: 当时就能够取现么？
: 流动性好么？
w*o
3 楼
谢谢，那太好了
我明年也考虑enroll了
【在 c*******o 的大作中提到】
: 可以。
我明年也考虑enroll了
【在 c*******o 的大作中提到】
: 可以。
M*e
4 楼
with 20-30% fed hold.
【在 c*******o 的大作中提到】
: 可以。
【在 c*******o 的大作中提到】
: 可以。
w*t
5 楼
The best way is to roll over to traditional IRA (or conventional IRA), this
is almost free, probably with a few dollars of fees.
Then convert the traditional IRA into Roth IRA before 12/31/2010. This step
is also free. But the catch is you need to pay tax on the value of your
portfolio on the day of conversion. (the amount you convert is the principle
part of your Roth IRA.)If you convert before 12/31/2010, you can split this
income into tax year of 2011 and 2012. Assuming you are going back to
China and you will have very low income and tax rate here for the next two
years, you only need to pay very little tax on them compared to a withdrawal
on your 401K directly.
Withdrawal your principle from your Roth IRA has no 10% penalty at all no
matter what age you are in and no tax on it either. However, withdrawal of
the profit part will result a 10% penalty on the profit you withdraw if you
are not old enough, and there is always no tax on the profit from Roth IRA.
is almost free, probably with a few dollars of fees.
Then convert the traditional IRA into Roth IRA before 12/31/2010. This step
is also free. But the catch is you need to pay tax on the value of your
portfolio on the day of conversion. (the amount you convert is the principle
part of your Roth IRA.)If you convert before 12/31/2010, you can split this
income into tax year of 2011 and 2012. Assuming you are going back to
China and you will have very low income and tax rate here for the next two
years, you only need to pay very little tax on them compared to a withdrawal
on your 401K directly.
Withdrawal your principle from your Roth IRA has no 10% penalty at all no
matter what age you are in and no tax on it either. However, withdrawal of
the profit part will result a 10% penalty on the profit you withdraw if you
are not old enough, and there is always no tax on the profit from Roth IRA.
x*u
6 楼
为什么要before 12/31/2010？明年不行么？
this
step
principle
this
withdrawal
【在 w*t 的大作中提到】
: The best way is to roll over to traditional IRA (or conventional IRA), this
: is almost free, probably with a few dollars of fees.
: Then convert the traditional IRA into Roth IRA before 12/31/2010. This step
: is also free. But the catch is you need to pay tax on the value of your
: portfolio on the day of conversion. (the amount you convert is the principle
: part of your Roth IRA.)If you convert before 12/31/2010, you can split this
: income into tax year of 2011 and 2012. Assuming you are going back to
: China and you will have very low income and tax rate here for the next two
: years, you only need to pay very little tax on them compared to a withdrawal
: on your 401K directly.
this
step
principle
this
withdrawal
【在 w*t 的大作中提到】
: The best way is to roll over to traditional IRA (or conventional IRA), this
: is almost free, probably with a few dollars of fees.
: Then convert the traditional IRA into Roth IRA before 12/31/2010. This step
: is also free. But the catch is you need to pay tax on the value of your
: portfolio on the day of conversion. (the amount you convert is the principle
: part of your Roth IRA.)If you convert before 12/31/2010, you can split this
: income into tax year of 2011 and 2012. Assuming you are going back to
: China and you will have very low income and tax rate here for the next two
: years, you only need to pay very little tax on them compared to a withdrawal
: on your 401K directly.
b*g
7 楼
顶！
this
step
principle
this
withdrawal
【在 w*t 的大作中提到】
: The best way is to roll over to traditional IRA (or conventional IRA), this
: is almost free, probably with a few dollars of fees.
: Then convert the traditional IRA into Roth IRA before 12/31/2010. This step
: is also free. But the catch is you need to pay tax on the value of your
: portfolio on the day of conversion. (the amount you convert is the principle
: part of your Roth IRA.)If you convert before 12/31/2010, you can split this
: income into tax year of 2011 and 2012. Assuming you are going back to
: China and you will have very low income and tax rate here for the next two
: years, you only need to pay very little tax on them compared to a withdrawal
: on your 401K directly.
this
step
principle
this
withdrawal
【在 w*t 的大作中提到】
: The best way is to roll over to traditional IRA (or conventional IRA), this
: is almost free, probably with a few dollars of fees.
: Then convert the traditional IRA into Roth IRA before 12/31/2010. This step
: is also free. But the catch is you need to pay tax on the value of your
: portfolio on the day of conversion. (the amount you convert is the principle
: part of your Roth IRA.)If you convert before 12/31/2010, you can split this
: income into tax year of 2011 and 2012. Assuming you are going back to
: China and you will have very low income and tax rate here for the next two
: years, you only need to pay very little tax on them compared to a withdrawal
: on your 401K directly.
s*l
8 楼
可以，但是要等下一年吧。
【在 x***u 的大作中提到】
: 为什么要before 12/31/2010？明年不行么？
:
: this
: step
: principle
: this
: withdrawal
【在 x***u 的大作中提到】
: 为什么要before 12/31/2010？明年不行么？
:
: this
: step
: principle
: this
: withdrawal
M*9
9 楼
这个好。。
this
step
principle
this
withdrawal
【在 w*t 的大作中提到】
: The best way is to roll over to traditional IRA (or conventional IRA), this
: is almost free, probably with a few dollars of fees.
: Then convert the traditional IRA into Roth IRA before 12/31/2010. This step
: is also free. But the catch is you need to pay tax on the value of your
: portfolio on the day of conversion. (the amount you convert is the principle
: part of your Roth IRA.)If you convert before 12/31/2010, you can split this
: income into tax year of 2011 and 2012. Assuming you are going back to
: China and you will have very low income and tax rate here for the next two
: years, you only need to pay very little tax on them compared to a withdrawal
: on your 401K directly.
this
step
principle
this
withdrawal
【在 w*t 的大作中提到】
: The best way is to roll over to traditional IRA (or conventional IRA), this
: is almost free, probably with a few dollars of fees.
: Then convert the traditional IRA into Roth IRA before 12/31/2010. This step
: is also free. But the catch is you need to pay tax on the value of your
: portfolio on the day of conversion. (the amount you convert is the principle
: part of your Roth IRA.)If you convert before 12/31/2010, you can split this
: income into tax year of 2011 and 2012. Assuming you are going back to
: China and you will have very low income and tax rate here for the next two
: years, you only need to pay very little tax on them compared to a withdrawal
: on your 401K directly.
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