B*********n
发帖数: 2552 | 1 几十年以后的钱都不知道怎么回事情,真的有人愿意放进去吗?
有人和我一样觉得不应该放401k的马?
谢谢 |
a******7
发帖数: 432 | |
g******u
发帖数: 3060 | 3 100%match的话放点不妨，海龟时提前拿出来也就罚点税钱，公司match还是合算的。 |
T*R
发帖数: 36302 | |
g******4
发帖数: 6339 | 5 Two sequences:
[1] house
[2] child college costs
[3] retirement funds
[1] retirement funds
[2] child college costs
[3] house
Two results, big difference.
【在 B*********n 的大作中提到】
: 几十年以后的钱都不知道怎么回事情,真的有人愿意放进去吗?
: 有人和我一样觉得不应该放401k的马?
: 谢谢
|
g******4
发帖数: 6339 | 6 Anyway, now
(1) 把MATCH拿到
(2) Roth IRA if can (low income tax now, low stock price, ex. BAC)
(3) more in 401K
(4) save some $$$ for a house (buy a house in two years, at least)
......
【在 g******4 的大作中提到】
: Two sequences:
: [1] house
: [2] child college costs
: [3] retirement funds
: [1] retirement funds
: [2] child college costs
: [3] house
: Two results, big difference.
|
B*********n
发帖数: 2552 | 7 don't understand, can you elaborate a bit more on these two plz?
【在 g******4 的大作中提到】
: Two sequences:
: [1] house
: [2] child college costs
: [3] retirement funds
: [1] retirement funds
: [2] child college costs
: [3] house
: Two results, big difference.
|
g******4
发帖数: 6339 | 8 Two extreme cases:
[1] case I:
28-38 years old: all $$$ go to a house.
39-48 years old: sell 1st house, buy bigger one.
housing cost: [interest (ex. 4 %, pay 2.7%) p-tax (ex.1.2%, pay 08%)
maintenance 1%] = at least 4.5% + insurance + etc.
48-55: pay child tuition (need-based financial aid, have to pay a lot)
55-65 years old: save $$$ for retirement.
[2] case II:
28-48 years old: every year save 401K (ex. $30,000/y), Roth ($10,000/y)
48-55: pay child tuition
55-65: pay mortgage. |
B*********n
发帖数: 2552 | 9 thank you!
【在 g******4 的大作中提到】
: Two extreme cases:
: [1] case I:
: 28-38 years old: all $$$ go to a house.
: 39-48 years old: sell 1st house, buy bigger one.
: housing cost: [interest (ex. 4 %, pay 2.7%) p-tax (ex.1.2%, pay 08%)
: maintenance 1%] = at least 4.5% + insurance + etc.
: 48-55: pay child tuition (need-based financial aid, have to pay a lot)
: 55-65 years old: save $$$ for retirement.
: [2] case II:
: 28-48 years old: every year save 401K (ex. $30,000/y), Roth ($10,000/y)
|
g******4
发帖数: 6339 | 10
My pleasure.
【在 B*********n 的大作中提到】
: thank you!
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g******4
发帖数: 6339 | 11 BTW, it was written on March 19, and you can use current data to check his
predication. |
B*********n
发帖数: 2552 | 12 我同意。但是股市也不是好的时候投资，估计半年1年以后再开始比较好。
401k和IRA 或者Roth IRA的区别比较，大牛有什么推荐吗？
【在 g******4 的大作中提到】
: BTW, it was written on March 19, and you can use current data to check his
: predication.
|
g******4
发帖数: 6339 | 13 BlackYeeRen,
Sorry for delay. I have been busy. I will reply soon.
【在 B*********n 的大作中提到】
: 我同意。但是股市也不是好的时候投资，估计半年1年以后再开始比较好。
: 401k和IRA 或者Roth IRA的区别比较，大牛有什么推荐吗？
|
m***a
发帖数: 198 | 14 Sounds crazy for regular people investing in (short term) real estate market
. If you can successfully speculate the trend of housing market, you can now
quit your job and become a successful investor.
IMHO, here is how you spend to get most our of your money.
1. First spend money on necessities: food, clothes, rent/mortgage, some
entertainment, tuition etc.
2. When you have some $$$ left over, store $1k to $100k as emergency fund in
bank, depending on your needs.
3. When you still have money le |
m****u
发帖数: 157 | 15 技术贴？哥认为公司match多少放多少。free money，why not? 当你60多退休的时候取
出来，是个不小的数目了。 |
l****a
发帖数: 352 | 16 same here...
【在 a******7 的大作中提到】
: 俺从工作第一天开始就没有放过。。。
|
B*********n
发帖数: 2552 | 17 没问题，非常期待各位的高质量意见
谢谢
【在 g******4 的大作中提到】
: BlackYeeRen,
: Sorry for delay. I have been busy. I will reply soon.
|
B*********n
发帖数: 2552 | 18 401k的上限是多少啊？
我只知道ira是5000好像。
可以同时买ira和roth ira吗？ roth的有多少上限呢又。
谢谢大牛
另外孩子的教育基金不好又是什么道理呢
其他都很有帮助。多谢多谢
market
now
in
as
【在 m***a 的大作中提到】
: Sounds crazy for regular people investing in (short term) real estate market
: . If you can successfully speculate the trend of housing market, you can now
: quit your job and become a successful investor.
: IMHO, here is how you spend to get most our of your money.
: 1. First spend money on necessities: food, clothes, rent/mortgage, some
: entertainment, tuition etc.
: 2. When you have some $$$ left over, store $1k to $100k as emergency fund in
: bank, depending on your needs.
: 3. When you still have money le
|
a**e
发帖数: 5094 | 19 可以同时买ira和roth ira吗？Yes
roth的有多少上限? 4000$/year if your income below certain level
孩子的教育基金不好又是什么道理呢? If you do not have kids, no need to worry
about it right now
【在 B*********n 的大作中提到】
: 401k的上限是多少啊？
: 我只知道ira是5000好像。
: 可以同时买ira和roth ira吗？ roth的有多少上限呢又。
: 谢谢大牛
: 另外孩子的教育基金不好又是什么道理呢
: 其他都很有帮助。多谢多谢
:
: market
: now
: in
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y**y
发帖数: 1261 | 20 re this. Very good advise. With the current market, housing the last
investment choice in my opinion.
market
now
in
as
【在 m***a 的大作中提到】
: Sounds crazy for regular people investing in (short term) real estate market
: . If you can successfully speculate the trend of housing market, you can now
: quit your job and become a successful investor.
: IMHO, here is how you spend to get most our of your money.
: 1. First spend money on necessities: food, clothes, rent/mortgage, some
: entertainment, tuition etc.
: 2. When you have some $$$ left over, store $1k to $100k as emergency fund in
: bank, depending on your needs.
: 3. When you still have money le
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s*y
发帖数: 124 | 21 My company match 100%. I did not put any money in because who knows how much
inflation we will have in 40 years. USA may have bankrupted twice by then.
Just my two cents...
【在 B*********n 的大作中提到】
: 几十年以后的钱都不知道怎么回事情,真的有人愿意放进去吗?
: 有人和我一样觉得不应该放401k的马?
: 谢谢
|
x******i
发帖数: 477 | 22 You are just throwing away free money. If you really worry about the
inflation, you can buy TIPS related funds or ETFs. They will protect you
well from inflation.
For people who plan to go back to China, you can withdraw a small amount of
money every year after you leave this country. You need to pay 10% penalty
for early withdraw. However, comparing to 25% or 28% marginal tax you are
paying now, it's still a pretty good deal.
much
.
【在 s*y 的大作中提到】
: My company match 100%. I did not put any money in because who knows how much
: inflation we will have in 40 years. USA may have bankrupted twice by then.
: Just my two cents...
|
m***a
发帖数: 198 | 23 简单来说如果你现在税率较高，traditional ira比roth ira好。反之亦反。
401k政府的限额好像是$16k/yr，每个公司不一样，还是先打电话问问hr为上。
529plan的问题是管理plan的公司选择的fund很差，例如去年很多plan亏得一塌糊涂。
所以一定要多做研究。 |
g******4
发帖数: 6339 | 24
IMO, you should ask youself first, "should I save for kids' college
education ?"
It has something to do with
[1] Top schools (say top 50 national universities, top 50 liberal art
colleges, etc.) provides needed-base financial aids. "Will my kids go to
those schools ?"
[2] If they won't, you may 多做研究, ....
【在 m***a 的大作中提到】
: 简单来说如果你现在税率较高，traditional ira比roth ira好。反之亦反。
: 401k政府的限额好像是$16k/yr，每个公司不一样，还是先打电话问问hr为上。
: 529plan的问题是管理plan的公司选择的fund很差，例如去年很多plan亏得一塌糊涂。
: 所以一定要多做研究。
|
g******4
发帖数: 6339 | 25
I agree that the above is a general rule. Now, in current situation, roth
may be better.
【在 m***a 的大作中提到】
: 简单来说如果你现在税率较高，traditional ira比roth ira好。反之亦反。
: 401k政府的限额好像是$16k/yr，每个公司不一样，还是先打电话问问hr为上。
: 529plan的问题是管理plan的公司选择的fund很差，例如去年很多plan亏得一塌糊涂。
: 所以一定要多做研究。
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