a******g
发帖数: 1538 | 1 以后取出来的时候不会搞错了，再上一次税吧？
有什么好处吗？ |
K****D
发帖数: 30533 | 2 The benefit is you are betting you will have higher tax rate
when you take the money out after retiring.
For example, someone likes to suddenly buy a yacht by cash
at age 65. It saves you a lot of you have a Roth account.
【在 a******g 的大作中提到】
: 以后取出来的时候不会搞错了，再上一次税吧？
: 有什么好处吗？
|
t***s
发帖数: 4666 | 3 after-tax != roth.
【在 K****D 的大作中提到】
: The benefit is you are betting you will have higher tax rate
: when you take the money out after retiring.
: For example, someone likes to suddenly buy a yacht by cash
: at age 65. It saves you a lot of you have a Roth account.
|
K****D
发帖数: 30533 | 4 Not Roth 401(k)? @_@
【在 t***s 的大作中提到】
: after-tax != roth.
|
t***s
发帖数: 4666 | 5 there's 3 kinds: pre-tax 401k, after-tax 401k, and roth 401k
【在 K****D 的大作中提到】
: Not Roth 401(k)? @_@
|
a******g
发帖数: 1538 | 6 I am talking about after-tax 401K.
I don't see any benefit of it. Maybe just make a portfolio larger?
【在 t***s 的大作中提到】
: there's 3 kinds: pre-tax 401k, after-tax 401k, and roth 401k
|
a******g
发帖数: 1538 | 7 自己re一下
google到下面这段关于after-tax 401K
"Because you've already been taxed on your after-tax contributions,
you won't be taxed again when you withdraw those contributions from
the plan. However, you'll be taxed on the investment earnings when
you take a withdrawal."
看来好处就是profit可以tax-deferred. |
c****o
发帖数: 32446 | |
K****D
发帖数: 30533 | 9 seems higher limit?
【在 c****o 的大作中提到】
: 就是traditonal IRA的意思了？
|
s******d
发帖数: 323 | 10 non-deductible traditional IRA
【在 c****o 的大作中提到】
: 就是traditonal IRA的意思了？
|
|
|
a******g
发帖数: 1538 | 11 traditional IRA是pre-tax的
感觉after-tax 401K更接近Roth IRA. 但是区别是Roth IRA的profit/loss完全免税,
after-tax 401K最后还是要交profit的税。 至于loss怎么报税我不知道。
【在 c****o 的大作中提到】
: 就是traditonal IRA的意思了？
|
s*******d
发帖数: 126 | 12 "after-tax 401K最后还是要交profit的税"
where did you learn this?
There are only two types of 401(k), traditional and Roth, traditional is pre
-tax, Roth is after-tax. There are three types of IRAs, traditional, Roth,
and non-deductable IRA.
You can contribute to either types of 401(k) as long as your company offers
them.
You can contribute to a traditional IRA (individual retirement account, or,
annuity) and deduct the contribution if you income is less than a threshold,
maybe 60,000 as a single or 80,0
【在 a******g 的大作中提到】
: traditional IRA是pre-tax的
: 感觉after-tax 401K更接近Roth IRA. 但是区别是Roth IRA的profit/loss完全免税,
: after-tax 401K最后还是要交profit的税。 至于loss怎么报税我不知道。
|
t***s
发帖数: 4666 | 13 no. there's 3 types. why ppl want to conribute to after-tax 401k,
i don't know.
pre
offers
,
threshold,
【在 s*******d 的大作中提到】
: "after-tax 401K最后还是要交profit的税"
: where did you learn this?
: There are only two types of 401(k), traditional and Roth, traditional is pre
: -tax, Roth is after-tax. There are three types of IRAs, traditional, Roth,
: and non-deductable IRA.
: You can contribute to either types of 401(k) as long as your company offers
: them.
: You can contribute to a traditional IRA (individual retirement account, or,
: annuity) and deduct the contribution if you income is less than a threshold,
: maybe 60,000 as a single or 80,0
|
s*****n
发帖数: 2174 | 14 there are 3 types of 401K,
traditional (pre-tax)
post-tax
Roth.
pre
offers
,
threshold,
【在 s*******d 的大作中提到】
: "after-tax 401K最后还是要交profit的税"
: where did you learn this?
: There are only two types of 401(k), traditional and Roth, traditional is pre
: -tax, Roth is after-tax. There are three types of IRAs, traditional, Roth,
: and non-deductable IRA.
: You can contribute to either types of 401(k) as long as your company offers
: them.
: You can contribute to a traditional IRA (individual retirement account, or,
: annuity) and deduct the contribution if you income is less than a threshold,
: maybe 60,000 as a single or 80,0
|
r****y
发帖数: 3412 | 15 因为没有别的choice了？IRA不qualify或者都投满了。。钱多的没处找tax benefit?
我猜的。。呵呵
【在 t***s 的大作中提到】
: no. there's 3 types. why ppl want to conribute to after-tax 401k,
: i don't know.
:
: pre
: offers
: ,
: threshold,
|
s**********d
发帖数: 36899 | 16 after-tax 401(k)跟non-deductible IRA一回事，不是roth。
唯一的好处是tax-deferred growth。
没事别搞这个，很烦的，你一旦有这个，以后的所有distribution
都有tax问题，不能指定从pre-tax或after-tax拿钱。401(k) IRA
都有这个问题。tax deferred growth虽然有好处，但不是很大。 |
t***s
发帖数: 4666 | 17 i think all 401k share the same annual cap.
【在 r****y 的大作中提到】
: 因为没有别的choice了？IRA不qualify或者都投满了。。钱多的没处找tax benefit?
: 我猜的。。呵呵
|
s*****n
发帖数: 2174 | 18 no, traditional and roth share the annual cap of $16,500.
Post-tax 401K doesn't have any cap.
【在 t***s 的大作中提到】
: i think all 401k share the same annual cap.
|
t***s
发帖数: 4666 | 19 ok. then it makes a little bit more sense.
【在 s*****n 的大作中提到】
: no, traditional and roth share the annual cap of $16,500.
: Post-tax 401K doesn't have any cap.
|
s*****n
发帖数: 2174 | 20 Actually, post-tax 401K is not a good choice, at least for most people. Even
one wants to save more in addition to the annual cap, one should put the mo
ney into a regular brokage account. Although it is not tax-advantaged, if on
e hold the securities long, the gain will be taxed as long term capital gain
, with low tax rate.
However, for the post-tax 401K, capital gain will be taxed as regular income
when it is withdrawn. It is even worse than other accounts, from a taxation
perspective.
There
【在 t***s 的大作中提到】
: ok. then it makes a little bit more sense.
|
|
|
a******g
发帖数: 1538 | 21 看来401k after-tax最大的好处就是每年报税的时候可以省点事，不用填sch D了
Even
mo
on
gain
income
taxation
management
accessi
【在 s*****n 的大作中提到】
: Actually, post-tax 401K is not a good choice, at least for most people. Even
: one wants to save more in addition to the annual cap, one should put the mo
: ney into a regular brokage account. Although it is not tax-advantaged, if on
: e hold the securities long, the gain will be taxed as long term capital gain
: , with low tax rate.
: However, for the post-tax 401K, capital gain will be taxed as regular income
: when it is withdrawn. It is even worse than other accounts, from a taxation
: perspective.
: There
|
s******d
发帖数: 323 | 22 好处绝对比这个多。
after-tax 401k等你换工作的时候可以rollover到non-deductible ira.
non-deductible ira明年以后可以随意convert成roth ira
【在 a******g 的大作中提到】
: 看来401k after-tax最大的好处就是每年报税的时候可以省点事，不用填sch D了
:
: Even
: mo
: on
: gain
: income
: taxation
: management
: accessi
|
G******t
发帖数: 1782 | 23 convert成roth ira 可以分期分批么？一次性转换税太多了啊。
【在 s******d 的大作中提到】
: 好处绝对比这个多。
: after-tax 401k等你换工作的时候可以rollover到non-deductible ira.
: non-deductible ira明年以后可以随意convert成roth ira
|
s**p
发帖数: 518 | 24 问个问题，non-deductible ira的profit部分在convert to Roth IRA时还是要交税的
吧？是不是跟deductible traditional IRA区别就是IRA basis那部分不用交？
【在 s******d 的大作中提到】
: 好处绝对比这个多。
: after-tax 401k等你换工作的时候可以rollover到non-deductible ira.
: non-deductible ira明年以后可以随意convert成roth ira
|
s*****n
发帖数: 2174 | 25 yes. There is no way to avoid taxation on earnings/gains, except Roth (401K/
IRA) accounts.
【在 s**p 的大作中提到】
: 问个问题，non-deductible ira的profit部分在convert to Roth IRA时还是要交税的
: 吧？是不是跟deductible traditional IRA区别就是IRA basis那部分不用交？
|
s*****n
发帖数: 2174 | 26 不是明年以后吧, 是2010年only.
而且即使convert, 收益部分也要交税, 不怎么划算.
如果已经有TIRA, 那问题会更大, convert的时候, 是按照pro-rated方式进行的, 如果
IRA帐号里面有3w traditional 和 2w non-deductible的, 你选择convert 2w, 那么会
按比例给你convert 1.2w traditional 和 0.8w non-deductible, 好像无法选择我只c
onvert non-deductible的部分.
【在 s******d 的大作中提到】
: 好处绝对比这个多。
: after-tax 401k等你换工作的时候可以rollover到non-deductible ira.
: non-deductible ira明年以后可以随意convert成roth ira
|
l**i
发帖数: 176 | 27
【在 s**********d 的大作中提到】
: after-tax 401(k)跟non-deductible IRA一回事，不是roth。
: 唯一的好处是tax-deferred growth。
: 没事别搞这个，很烦的，你一旦有这个，以后的所有distribution
: 都有tax问题，不能指定从pre-tax或after-tax拿钱。401(k) IRA
: 都有这个问题。tax deferred growth虽然有好处，但不是很大。
|
t***s
发帖数: 4666 | 28 好像不止一年。具体几年我也忘了。这个conversion的具体规定哪里可以看？比如
什么时候就可以convert，account value按什么时候的算，是1月1日，还是conversion
date，还是12月31日？
只c
【在 s*****n 的大作中提到】
: 不是明年以后吧, 是2010年only.
: 而且即使convert, 收益部分也要交税, 不怎么划算.
: 如果已经有TIRA, 那问题会更大, convert的时候, 是按照pro-rated方式进行的, 如果
: IRA帐号里面有3w traditional 和 2w non-deductible的, 你选择convert 2w, 那么会
: 按比例给你convert 1.2w traditional 和 0.8w non-deductible, 好像无法选择我只c
: onvert non-deductible的部分.
|
s*****n
发帖数: 2174 | 29 好像就是2010年一年之内.
具体哪一天无所谓, 任何一天都行.
你convert的时候, 会产生tax, 整体算在2010年的tax file里面.
conversion
【在 t***s 的大作中提到】
: 好像不止一年。具体几年我也忘了。这个conversion的具体规定哪里可以看？比如
: 什么时候就可以convert，account value按什么时候的算，是1月1日，还是conversion
: date，还是12月31日？
:
: 只c
|
