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Re: [转载] Re: about 401K and IRA
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Re: [转载] Re: about 401K and IRA# Working - 上班一族
P*t
1 楼
Early withdraw Penalty: 10%
Mandatory withholding: 20%
So for 401K I think if there is company match, you can make contribution.
Otherwise it may/ not worth the cost. IRA is no use since usually there
is no matching.

question
how
sure
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r*e
2 楼
this statement is too general.
roth is better than unmatched part of 401k contribution, still roth is
hard to beat the free matching money. even so, the limit for roth is
too little. besides, many people do not qualify for roth anyway.
basically the priority order of putting into your retirement/tax-saving
funds should be: matched 401k contribution, roth (if qualified),
unmatched 401k contribution, other pretax ira (if qualified), others
(e.g. aftertax ira, 529, etc).
unless your money is tigh
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