A**a
发帖数: 275 | 1 两人税前20万， LP公司放2%给match 8%，所以去年就放了2%；LG没有任何 match，所
以去年一分没放；结果发现去年税很高所以打算今年两人都放401K来避税。问题是已经
盘算好了3年以后要回国；所以向大家请教两个问题：
1）回国对401K里的钱有没有影响。就是说我们到时候如果没美国国籍也没绿卡的且居
住在中国还能不能把401K里的钱提取出来？
2）如果可以提取出来的话，是不是两人都应该把401K pre-tax的钱交满.不是很清楚到
时候怎么扣税。是否因为到时候美国收入为0，而扣的税率会比现在低？
谢谢 |
K****D
发帖数: 30533 | 2 If you cash out 401k before 59.5, you will pay 10% as penalty.
In your case, it might still worth doing it but you have to cash
it out in many years to avoid high taxes. Also you'll have to
file tax each year. (Keep your income tax in the 15% bracket.
You'll pay 25% tax instead of 28%, which is what you pay now.
If you keep tax in the 10% bracket, it saves more tax, but plan
to do it at least 10 years in a row.)
Another way is to wait until 59.5. But then you'll need to
remember it and also log
【在 A**a 的大作中提到】
: 两人税前20万， LP公司放2%给match 8%，所以去年就放了2%；LG没有任何 match，所
: 以去年一分没放；结果发现去年税很高所以打算今年两人都放401K来避税。问题是已经
: 盘算好了3年以后要回国；所以向大家请教两个问题：
: 1）回国对401K里的钱有没有影响。就是说我们到时候如果没美国国籍也没绿卡的且居
: 住在中国还能不能把401K里的钱提取出来？
: 2）如果可以提取出来的话，是不是两人都应该把401K pre-tax的钱交满.不是很清楚到
: 时候怎么扣税。是否因为到时候美国收入为0，而扣的税率会比现在低？
: 谢谢
|
A**a
发帖数: 275 | 3 谢谢，很详尽。不过怎样可以知道放满和不放满对现在的税率有什么样的影响？比如以
我们的收入，是说放不放满都是28%的税率吗？
【在 K****D 的大作中提到】
: If you cash out 401k before 59.5, you will pay 10% as penalty.
: In your case, it might still worth doing it but you have to cash
: it out in many years to avoid high taxes. Also you'll have to
: file tax each year. (Keep your income tax in the 15% bracket.
: You'll pay 25% tax instead of 28%, which is what you pay now.
: If you keep tax in the 10% bracket, it saves more tax, but plan
: to do it at least 10 years in a row.)
: Another way is to wait until 59.5. But then you'll need to
: remember it and also log
|
K****D
发帖数: 30533 | 4 Yes, no change for you.
【在 A**a 的大作中提到】
: 谢谢，很详尽。不过怎样可以知道放满和不放满对现在的税率有什么样的影响？比如以
: 我们的收入，是说放不放满都是28%的税率吗？
|
c*l
发帖数: 1433 | 5 turbotax算算就知道了。401k是税前。俩人都放满相当于收入减少了3万。
【在 A**a 的大作中提到】
: 谢谢，很详尽。不过怎样可以知道放满和不放满对现在的税率有什么样的影响？比如以
: 我们的收入，是说放不放满都是28%的税率吗？
|
A**a
发帖数: 275 | 6 不好意思的弱问一下，那意思是减少了3万不会有任何影响了？
【在 c*l 的大作中提到】
: turbotax算算就知道了。401k是税前。俩人都放满相当于收入减少了3万。
|
c*l
发帖数: 1433 | 7 减了3万对税率影响可能是很大的。美国的税率是递进的。最高的那部分收入税率很高
，不是都用28%就能算清楚的。据个例子，有可能你的收入今年比去年高了一万块，算
完税发现比去年多交五千的税。这五千的差别就是一万的收入造成的。
【在 A**a 的大作中提到】
: 不好意思的弱问一下，那意思是减少了3万不会有任何影响了？
|
A**a
发帖数: 275 | 8 那这样说来交满401K还是有好处的，首先可能使总收入有所降低就可能适用于低一点的
税率，其次如果将来回国取这部分钱的话，到时候收入更低就有可能那部分钱交的税率
更低，只是比较麻烦一些。对吗？
【在 c*l 的大作中提到】
: 减了3万对税率影响可能是很大的。美国的税率是递进的。最高的那部分收入税率很高
: ，不是都用28%就能算清楚的。据个例子，有可能你的收入今年比去年高了一万块，算
: 完税发现比去年多交五千的税。这五千的差别就是一万的收入造成的。
|
K****D
发帖数: 30533 | 9 I already said, to you, no change.
Also, please note this 28% is marginal tax rate. Not all your income
is charged 28% tax. Only the income above certain level is charged
at this rate. That means the 401k contribution will save you 28%
tax on the contribution -- no extra savings, even if you successfully
dropped to 25% bracket (note the 虚拟语气 I am using here).
【在 A**a 的大作中提到】
: 那这样说来交满401K还是有好处的，首先可能使总收入有所降低就可能适用于低一点的
: 税率，其次如果将来回国取这部分钱的话，到时候收入更低就有可能那部分钱交的税率
: 更低，只是比较麻烦一些。对吗？
|
T*****E
发帖数: 1432 | 10 以后401K就跟大牛你混了
【在 K****D 的大作中提到】
: I already said, to you, no change.
: Also, please note this 28% is marginal tax rate. Not all your income
: is charged 28% tax. Only the income above certain level is charged
: at this rate. That means the 401k contribution will save you 28%
: tax on the contribution -- no extra savings, even if you successfully
: dropped to 25% bracket (note the 虚拟语气 I am using here).
|
|
|
s**********d
发帖数: 36899 | 11 你的AGI可能影响别的deductions和credits。 |
m**********w
发帖数: 4161 | 12 你算法有大问题，忽略了州税。
加州最高一档州税9.6%，基本和401k罚金抵消了。
【在 K****D 的大作中提到】
: If you cash out 401k before 59.5, you will pay 10% as penalty.
: In your case, it might still worth doing it but you have to cash
: it out in many years to avoid high taxes. Also you'll have to
: file tax each year. (Keep your income tax in the 15% bracket.
: You'll pay 25% tax instead of 28%, which is what you pay now.
: If you keep tax in the 10% bracket, it saves more tax, but plan
: to do it at least 10 years in a row.)
: Another way is to wait until 59.5. But then you'll need to
: remember it and also log
|
y********u
发帖数: 194 | 13 中国人回国了给irs报税还要报收入么？假设回国以后没有收入，每年取一万块401k是
不是只要交10%的罚金了？
【在 K****D 的大作中提到】
: If you cash out 401k before 59.5, you will pay 10% as penalty.
: In your case, it might still worth doing it but you have to cash
: it out in many years to avoid high taxes. Also you'll have to
: file tax each year. (Keep your income tax in the 15% bracket.
: You'll pay 25% tax instead of 28%, which is what you pay now.
: If you keep tax in the 10% bracket, it saves more tax, but plan
: to do it at least 10 years in a row.)
: Another way is to wait until 59.5. But then you'll need to
: remember it and also log
|
y********u
发帖数: 194 | 14 做了个简单计算。如果回国以后每年从401K取1w2，要交税：
12000* 10%罚金 + (12000 - 3650 exemption) * 10% bracket = $2035.
如果不放401K的话, 这1w2要交税：
12000 * (25% + 9.55% CA bracket) = $4146.
前提是没有其他reportable收入。请KennyD指教。
【在 y********u 的大作中提到】
: 中国人回国了给irs报税还要报收入么？假设回国以后没有收入，每年取一万块401k是
: 不是只要交10%的罚金了？
|
l*u
发帖数: 2090 | 15 我觉得就是这样
【在 y********u 的大作中提到】
: 做了个简单计算。如果回国以后每年从401K取1w2，要交税：
: 12000* 10%罚金 + (12000 - 3650 exemption) * 10% bracket = $2035.
: 如果不放401K的话, 这1w2要交税：
: 12000 * (25% + 9.55% CA bracket) = $4146.
: 前提是没有其他reportable收入。请KennyD指教。
|
h***e
发帖数: 866 | 16 如果是一个人取6000，couple加起来取12000的话，税更少
这个问题我研究很久了，回国更要match 401k。
回国后逐年少量取出，penalty+tax肯定比现在低。
还有一种方法，逐年少量转入Roth IRA，转入的时候只交税不交penalty，5年后
contribution部分可无penalty无tax取出。不过没研究过回国以后是不是还可以开Roth
IRA帐号和contribute。
【在 y********u 的大作中提到】
: 做了个简单计算。如果回国以后每年从401K取1w2，要交税：
: 12000* 10%罚金 + (12000 - 3650 exemption) * 10% bracket = $2035.
: 如果不放401K的话, 这1w2要交税：
: 12000 * (25% + 9.55% CA bracket) = $4146.
: 前提是没有其他reportable收入。请KennyD指教。
|
K****D
发帖数: 30533 | 17 Yes, 401k withdrawal is income. Better yet, do it after 59.5, then no
tax at all.
【在 y********u 的大作中提到】
: 中国人回国了给irs报税还要报收入么？假设回国以后没有收入，每年取一万块401k是
: 不是只要交10%的罚金了？
|
N*C
发帖数: 1987 | 18 are you sure about this?
"do it after 59.5, then no tax at all?"
【在 K****D 的大作中提到】
: Yes, 401k withdrawal is income. Better yet, do it after 59.5, then no
: tax at all.
|
g*****g
发帖数: 34805 | 19 It's gonna be taxed as your income at that time.
If you don't have income in USA at that time and you withdraw
up to the exempt amount every year, it's possible.
【在 N*C 的大作中提到】
: are you sure about this?
: "do it after 59.5, then no tax at all?"
|
n******n
发帖数: 12088 | 20 then why need 59.5?
【在 g*****g 的大作中提到】
: It's gonna be taxed as your income at that time.
: If you don't have income in USA at that time and you withdraw
: up to the exempt amount every year, it's possible.
|
|
|
g*****g
发帖数: 34805 | 21 10% penalty automatically before that?
【在 n******n 的大作中提到】
: then why need 59.5?
|
K****D
发帖数: 30533 | 22 I am not sure if it's worth the ZT though. Non-resident alien's
exempt amount seems quite low.
【在 g*****g 的大作中提到】
: It's gonna be taxed as your income at that time.
: If you don't have income in USA at that time and you withdraw
: up to the exempt amount every year, it's possible.
|
k***n
发帖数: 3158 | 23 如果收入正好在tax bracket边缘，放满401K能够降一挡税，可能还值得折腾
不然应该是放够match就好，将来不确定性太多了
【在 K****D 的大作中提到】
: I am not sure if it's worth the ZT though. Non-resident alien's
: exempt amount seems quite low.
|
K****D
发帖数: 30533 | 24 You probably misunderstood the concept of tax bracket.
【在 k***n 的大作中提到】
: 如果收入正好在tax bracket边缘，放满401K能够降一挡税，可能还值得折腾
: 不然应该是放够match就好，将来不确定性太多了
|
c****z
发帖数: 237 | 25 but one should be able to avoid the state tax once he/she goes back to China
, right? If so, I would think 401k would always be a better approach.
【在 K****D 的大作中提到】
: I am not sure if it's worth the ZT though. Non-resident alien's
: exempt amount seems quite low.
|
K****D
发帖数: 30533 | 26 It makes best financial sense to cash out after 59.5, but that's a
whole lot of hassle.
Otherwise, why not just cash out and pay the 10% penalty? You
don't pay the state tax anyway and you can probably finish cashing
out in a couple of years and have it done with. You won't save
as much as the other way, but you WILL save a lot of time.
China
【在 c****z 的大作中提到】
: but one should be able to avoid the state tax once he/she goes back to China
: , right? If so, I would think 401k would always be a better approach.
|
D*****I
发帖数: 8268 | 27 是啊，反正主要的省salary income tax税的目的已经达到
【在 K****D 的大作中提到】
: It makes best financial sense to cash out after 59.5, but that's a
: whole lot of hassle.
: Otherwise, why not just cash out and pay the 10% penalty? You
: don't pay the state tax anyway and you can probably finish cashing
: out in a couple of years and have it done with. You won't save
: as much as the other way, but you WILL save a lot of time.
:
: China
|
s**********d
发帖数: 36899 | 28 You probably misunderstood the concept of tax bracket.
不过有些deductions/credits可能会phase out，放满了401k可能就有。
【在 k***n 的大作中提到】
: 如果收入正好在tax bracket边缘，放满401K能够降一挡税，可能还值得折腾
: 不然应该是放够match就好，将来不确定性太多了
|
h***e
发帖数: 866 | 29 penalty第二年好像还可以作为deduction
【在 g*****g 的大作中提到】
: 10% penalty automatically before that?
|
o***o
发帖数: 36 | 30 401k is just to defer your tax, it is not tax "saving". Investing in 401k
only makes sense if you expect your future tax rate ( say 20-30 years) will
be significant lower than current which is not the case given the bigger
government deficit.
Given you will go back china in three years, doesn't make sense to
contribute. You will be the exact same amount of tax plus 10% early
distribution penalty. |
|
|
n******n
发帖数: 12088 | 31 how come he could have exact amount of tax?
will
【在 o***o 的大作中提到】
: 401k is just to defer your tax, it is not tax "saving". Investing in 401k
: only makes sense if you expect your future tax rate ( say 20-30 years) will
: be significant lower than current which is not the case given the bigger
: government deficit.
: Given you will go back china in three years, doesn't make sense to
: contribute. You will be the exact same amount of tax plus 10% early
: distribution penalty.
|
u**o
发帖数: 4652 | |
s****y
发帖数: 561 | 33 退休之后收入少了，岂不是tax %低了？
will
【在 o***o 的大作中提到】
: 401k is just to defer your tax, it is not tax "saving". Investing in 401k
: only makes sense if you expect your future tax rate ( say 20-30 years) will
: be significant lower than current which is not the case given the bigger
: government deficit.
: Given you will go back china in three years, doesn't make sense to
: contribute. You will be the exact same amount of tax plus 10% early
: distribution penalty.
|
A**a
发帖数: 275 | 34 两人税前20万， LP公司放2%给match 8%，所以去年就放了2%；LG没有任何 match，所
以去年一分没放；结果发现去年税很高所以打算今年两人都放401K来避税。问题是已经
盘算好了3年以后要回国；所以向大家请教两个问题：
1）回国对401K里的钱有没有影响。就是说我们到时候如果没美国国籍也没绿卡的且居
住在中国还能不能把401K里的钱提取出来？
2）如果可以提取出来的话，是不是两人都应该把401K pre-tax的钱交满.不是很清楚到
时候怎么扣税。是否因为到时候美国收入为0，而扣的税率会比现在低？
谢谢 |
K****D
发帖数: 30533 | 35 If you cash out 401k before 59.5, you will pay 10% as penalty.
In your case, it might still worth doing it but you have to cash
it out in many years to avoid high taxes. Also you'll have to
file tax each year. (Keep your income tax in the 15% bracket.
You'll pay 25% tax instead of 28%, which is what you pay now.
If you keep tax in the 10% bracket, it saves more tax, but plan
to do it at least 10 years in a row.)
Another way is to wait until 59.5. But then you'll need to
remember it and also log in your account once every year to avoid
identify theft.
IMO neither way is worth the hassle.
【在 A**a 的大作中提到】
: 两人税前20万， LP公司放2%给match 8%，所以去年就放了2%；LG没有任何 match，所
: 以去年一分没放；结果发现去年税很高所以打算今年两人都放401K来避税。问题是已经
: 盘算好了3年以后要回国；所以向大家请教两个问题：
: 1）回国对401K里的钱有没有影响。就是说我们到时候如果没美国国籍也没绿卡的且居
: 住在中国还能不能把401K里的钱提取出来？
: 2）如果可以提取出来的话，是不是两人都应该把401K pre-tax的钱交满.不是很清楚到
: 时候怎么扣税。是否因为到时候美国收入为0，而扣的税率会比现在低？
: 谢谢
|
A**a
发帖数: 275 | 36 谢谢，很详尽。不过怎样可以知道放满和不放满对现在的税率有什么样的影响？比如以
我们的收入，是说放不放满都是28%的税率吗？
【在 K****D 的大作中提到】
: If you cash out 401k before 59.5, you will pay 10% as penalty.
: In your case, it might still worth doing it but you have to cash
: it out in many years to avoid high taxes. Also you'll have to
: file tax each year. (Keep your income tax in the 15% bracket.
: You'll pay 25% tax instead of 28%, which is what you pay now.
: If you keep tax in the 10% bracket, it saves more tax, but plan
: to do it at least 10 years in a row.)
: Another way is to wait until 59.5. But then you'll need to
: remember it and also log in your account once every year to avoid
: identify theft.
|
K****D
发帖数: 30533 | 37 Yes, no change for you.
【在 A**a 的大作中提到】
: 谢谢，很详尽。不过怎样可以知道放满和不放满对现在的税率有什么样的影响？比如以
: 我们的收入，是说放不放满都是28%的税率吗？
|
c*l
发帖数: 1433 | 38 turbotax算算就知道了。401k是税前。俩人都放满相当于收入减少了3万。
【在 A**a 的大作中提到】
: 谢谢，很详尽。不过怎样可以知道放满和不放满对现在的税率有什么样的影响？比如以
: 我们的收入，是说放不放满都是28%的税率吗？
|
A**a
发帖数: 275 | 39 不好意思的弱问一下，那意思是减少了3万不会有任何影响了？
【在 c*l 的大作中提到】
: turbotax算算就知道了。401k是税前。俩人都放满相当于收入减少了3万。
|
c*l
发帖数: 1433 | 40 减了3万对税率影响可能是很大的。美国的税率是递进的。最高的那部分收入税率很高
，不是都用28%就能算清楚的。据个例子，有可能你的收入今年比去年高了一万块，算
完税发现比去年多交五千的税。这五千的差别就是一万的收入造成的。
【在 A**a 的大作中提到】
: 不好意思的弱问一下，那意思是减少了3万不会有任何影响了？
|
|
|
A**a
发帖数: 275 | 41 那这样说来交满401K还是有好处的，首先可能使总收入有所降低就可能适用于低一点的
税率，其次如果将来回国取这部分钱的话，到时候收入更低就有可能那部分钱交的税率
更低，只是比较麻烦一些。对吗？
【在 c*l 的大作中提到】
: 减了3万对税率影响可能是很大的。美国的税率是递进的。最高的那部分收入税率很高
: ，不是都用28%就能算清楚的。据个例子，有可能你的收入今年比去年高了一万块，算
: 完税发现比去年多交五千的税。这五千的差别就是一万的收入造成的。
|
K****D
发帖数: 30533 | 42 I already said, to you, no change.
Also, please note this 28% is marginal tax rate. Not all your income
is charged 28% tax. Only the income above certain level is charged
at this rate. That means the 401k contribution will save you 28%
tax on the contribution -- no extra savings, even if you successfully
dropped to 25% bracket (note the 虚拟语气 I am using here).
【在 A**a 的大作中提到】
: 那这样说来交满401K还是有好处的，首先可能使总收入有所降低就可能适用于低一点的
: 税率，其次如果将来回国取这部分钱的话，到时候收入更低就有可能那部分钱交的税率
: 更低，只是比较麻烦一些。对吗？
|
T*****E
发帖数: 1432 | 43 以后401K就跟大牛你混了
【在 K****D 的大作中提到】
: I already said, to you, no change.
: Also, please note this 28% is marginal tax rate. Not all your income
: is charged 28% tax. Only the income above certain level is charged
: at this rate. That means the 401k contribution will save you 28%
: tax on the contribution -- no extra savings, even if you successfully
: dropped to 25% bracket (note the 虚拟语气 I am using here).
|
s**********d
发帖数: 36899 | 44 你的AGI可能影响别的deductions和credits。 |
m**********w
发帖数: 4161 | 45 你算法有大问题，忽略了州税。
加州最高一档州税9.6%，基本和401k罚金抵消了。
【在 K****D 的大作中提到】
: If you cash out 401k before 59.5, you will pay 10% as penalty.
: In your case, it might still worth doing it but you have to cash
: it out in many years to avoid high taxes. Also you'll have to
: file tax each year. (Keep your income tax in the 15% bracket.
: You'll pay 25% tax instead of 28%, which is what you pay now.
: If you keep tax in the 10% bracket, it saves more tax, but plan
: to do it at least 10 years in a row.)
: Another way is to wait until 59.5. But then you'll need to
: remember it and also log in your account once every year to avoid
: identify theft.
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y********u
发帖数: 194 | 46 中国人回国了给irs报税还要报收入么？假设回国以后没有收入，每年取一万块401k是
不是只要交10%的罚金了？
【在 K****D 的大作中提到】
: If you cash out 401k before 59.5, you will pay 10% as penalty.
: In your case, it might still worth doing it but you have to cash
: it out in many years to avoid high taxes. Also you'll have to
: file tax each year. (Keep your income tax in the 15% bracket.
: You'll pay 25% tax instead of 28%, which is what you pay now.
: If you keep tax in the 10% bracket, it saves more tax, but plan
: to do it at least 10 years in a row.)
: Another way is to wait until 59.5. But then you'll need to
: remember it and also log in your account once every year to avoid
: identify theft.
|
y********u
发帖数: 194 | 47 做了个简单计算。如果回国以后每年从401K取1w2，要交税：
12000* 10%罚金 + (12000 - 3650 exemption) * 10% bracket = $2035.
如果不放401K的话, 这1w2要交税：
12000 * (25% + 9.55% CA bracket) = $4146.
前提是没有其他reportable收入。请KennyD指教。
【在 y********u 的大作中提到】
: 中国人回国了给irs报税还要报收入么？假设回国以后没有收入，每年取一万块401k是
: 不是只要交10%的罚金了？
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l*u
发帖数: 2090 | 48 我觉得就是这样
【在 y********u 的大作中提到】
: 做了个简单计算。如果回国以后每年从401K取1w2，要交税：
: 12000* 10%罚金 + (12000 - 3650 exemption) * 10% bracket = $2035.
: 如果不放401K的话, 这1w2要交税：
: 12000 * (25% + 9.55% CA bracket) = $4146.
: 前提是没有其他reportable收入。请KennyD指教。
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h***e
发帖数: 866 | 49 如果是一个人取6000，couple加起来取12000的话，税更少
这个问题我研究很久了，回国更要match 401k。
回国后逐年少量取出，penalty+tax肯定比现在低。
还有一种方法，逐年少量转入Roth IRA，转入的时候只交税不交penalty，5年后
contribution部分可无penalty无tax取出。不过没研究过回国以后是不是还可以开Roth
IRA帐号和contribute。
【在 y********u 的大作中提到】
: 做了个简单计算。如果回国以后每年从401K取1w2，要交税：
: 12000* 10%罚金 + (12000 - 3650 exemption) * 10% bracket = $2035.
: 如果不放401K的话, 这1w2要交税：
: 12000 * (25% + 9.55% CA bracket) = $4146.
: 前提是没有其他reportable收入。请KennyD指教。
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K****D
发帖数: 30533 | 50 Yes, 401k withdrawal is income. Better yet, do it after 59.5, then no
tax at all.
【在 y********u 的大作中提到】
: 中国人回国了给irs报税还要报收入么？假设回国以后没有收入，每年取一万块401k是
: 不是只要交10%的罚金了？
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N*C
发帖数: 1987 | 51 are you sure about this?
"do it after 59.5, then no tax at all?"
【在 K****D 的大作中提到】
: Yes, 401k withdrawal is income. Better yet, do it after 59.5, then no
: tax at all.
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g*****g
发帖数: 34805 | 52 It's gonna be taxed as your income at that time.
If you don't have income in USA at that time and you withdraw
up to the exempt amount every year, it's possible.
【在 N*C 的大作中提到】
: are you sure about this?
: "do it after 59.5, then no tax at all?"
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n******n
发帖数: 12088 | 53 then why need 59.5?
【在 g*****g 的大作中提到】
: It's gonna be taxed as your income at that time.
: If you don't have income in USA at that time and you withdraw
: up to the exempt amount every year, it's possible.
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g*****g
发帖数: 34805 | 54 10% penalty automatically before that?
【在 n******n 的大作中提到】
: then why need 59.5?
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K****D
发帖数: 30533 | 55 I am not sure if it's worth the ZT though. Non-resident alien's
exempt amount seems quite low.
【在 g*****g 的大作中提到】
: It's gonna be taxed as your income at that time.
: If you don't have income in USA at that time and you withdraw
: up to the exempt amount every year, it's possible.
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k***n
发帖数: 3158 | 56 如果收入正好在tax bracket边缘，放满401K能够降一挡税，可能还值得折腾
不然应该是放够match就好，将来不确定性太多了
【在 K****D 的大作中提到】
: I am not sure if it's worth the ZT though. Non-resident alien's
: exempt amount seems quite low.
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K****D
发帖数: 30533 | 57 You probably misunderstood the concept of tax bracket.
【在 k***n 的大作中提到】
: 如果收入正好在tax bracket边缘，放满401K能够降一挡税，可能还值得折腾
: 不然应该是放够match就好，将来不确定性太多了
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c****z
发帖数: 237 | 58 but one should be able to avoid the state tax once he/she goes back to China
, right? If so, I would think 401k would always be a better approach.
【在 K****D 的大作中提到】
: I am not sure if it's worth the ZT though. Non-resident alien's
: exempt amount seems quite low.
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K****D
发帖数: 30533 | 59 It makes best financial sense to cash out after 59.5, but that's a
whole lot of hassle.
Otherwise, why not just cash out and pay the 10% penalty? You
don't pay the state tax anyway and you can probably finish cashing
out in a couple of years and have it done with. You won't save
as much as the other way, but you WILL save a lot of time.
China
【在 c****z 的大作中提到】
: but one should be able to avoid the state tax once he/she goes back to China
: , right? If so, I would think 401k would always be a better approach.
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D*****I
发帖数: 8268 | 60 是啊，反正主要的省salary income tax税的目的已经达到
【在 K****D 的大作中提到】
: It makes best financial sense to cash out after 59.5, but that's a
: whole lot of hassle.
: Otherwise, why not just cash out and pay the 10% penalty? You
: don't pay the state tax anyway and you can probably finish cashing
: out in a couple of years and have it done with. You won't save
: as much as the other way, but you WILL save a lot of time.
:
: China
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s**********d
发帖数: 36899 | 61 You probably misunderstood the concept of tax bracket.
不过有些deductions/credits可能会phase out，放满了401k可能就有。
【在 k***n 的大作中提到】
: 如果收入正好在tax bracket边缘，放满401K能够降一挡税，可能还值得折腾
: 不然应该是放够match就好，将来不确定性太多了
|
h***e
发帖数: 866 | 62 penalty第二年好像还可以作为deduction
【在 g*****g 的大作中提到】
: 10% penalty automatically before that?
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o***o
发帖数: 36 | 63 401k is just to defer your tax, it is not tax "saving". Investing in 401k
only makes sense if you expect your future tax rate ( say 20-30 years) will
be significant lower than current which is not the case given the bigger
government deficit.
Given you will go back china in three years, doesn't make sense to
contribute. You will be the exact same amount of tax plus 10% early
distribution penalty. |
n******n
发帖数: 12088 | 64 how come he could have exact amount of tax?
will
【在 o***o 的大作中提到】
: 401k is just to defer your tax, it is not tax "saving". Investing in 401k
: only makes sense if you expect your future tax rate ( say 20-30 years) will
: be significant lower than current which is not the case given the bigger
: government deficit.
: Given you will go back china in three years, doesn't make sense to
: contribute. You will be the exact same amount of tax plus 10% early
: distribution penalty.
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u**o
发帖数: 4652 | |
s****y
发帖数: 561 | 66 退休之后收入少了，岂不是tax %低了？
will
【在 o***o 的大作中提到】
: 401k is just to defer your tax, it is not tax "saving". Investing in 401k
: only makes sense if you expect your future tax rate ( say 20-30 years) will
: be significant lower than current which is not the case given the bigger
: government deficit.
: Given you will go back china in three years, doesn't make sense to
: contribute. You will be the exact same amount of tax plus 10% early
: distribution penalty.
|
h***e
发帖数: 866 | 67 don't agree
我觉得你恰恰说反了，20-30年后美国的税率比现在高的概率是很大的；而3年后，小规
模每年把钱取出来，税率比现在margin tax rate低，概率要大得多
will
【在 o***o 的大作中提到】
: 401k is just to defer your tax, it is not tax "saving". Investing in 401k
: only makes sense if you expect your future tax rate ( say 20-30 years) will
: be significant lower than current which is not the case given the bigger
: government deficit.
: Given you will go back china in three years, doesn't make sense to
: contribute. You will be the exact same amount of tax plus 10% early
: distribution penalty.
|
h***e
发帖数: 866 | 68 历史上也曾经有tax bracket第一档就是20%的，如果向欧洲靠齐，肯定比现在高，20-
30年后真的说不清楚，但是3，5年内还是看得清楚的，所以海归把钱慢慢取出来反而比
20-30年后取更靠谱可以省税
如果你fed margin tax 33%，州税又close to 10%，真的就没啥涨工资的动力了，一半
交税，还不如存401k
【在 s****y 的大作中提到】
: 退休之后收入少了，岂不是tax %低了？
:
: will
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D*****I
发帖数: 8268 | 69 表忘记还有ss & medicare...
【在 h***e 的大作中提到】
: 历史上也曾经有tax bracket第一档就是20%的，如果向欧洲靠齐，肯定比现在高，20-
: 30年后真的说不清楚，但是3，5年内还是看得清楚的，所以海归把钱慢慢取出来反而比
: 20-30年后取更靠谱可以省税
: 如果你fed margin tax 33%，州税又close to 10%，真的就没啥涨工资的动力了，一半
: 交税，还不如存401k
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k***n
发帖数: 3158 | 70 海龟后能不能把钱尤其是401K里的拿出美国都是问题
现在美国已经开始capital control了
【在 h***e 的大作中提到】
: 历史上也曾经有tax bracket第一档就是20%的，如果向欧洲靠齐，肯定比现在高，20-
: 30年后真的说不清楚，但是3，5年内还是看得清楚的，所以海归把钱慢慢取出来反而比
: 20-30年后取更靠谱可以省税
: 如果你fed margin tax 33%，州税又close to 10%，真的就没啥涨工资的动力了，一半
: 交税，还不如存401k
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d*******u
发帖数: 5337 | |
