i******i
发帖数: 502 | 1 Just start my job, could anyone please give me some suggestions about which
one to choose? 401k or Roth 401K?
Thank you so much!(BTW, my salary is low at this time)
An employee has the option of contributing from 1% to 50% of his/her total
compensation (within the IRS limitations) on a pre-tax basis.XXX matches $0.
50 for every $1.00 up to the first 6% the employee contributes to the plan.
The plan also provides a Roth 401(k) feature to which the employee can
contribute after-tax dollars The plan also allows an employee to take up to
two loans on his/her account, provides for an age 59 ½ withdrawal
option as well as a hardship withdrawal option. |
m**k
发帖数: 18660 | 2 imho, 6 percent 401k match part at least. and roth ira
which
0.
to
【在 i******i 的大作中提到】
: Just start my job, could anyone please give me some suggestions about which
: one to choose? 401k or Roth 401K?
: Thank you so much!(BTW, my salary is low at this time)
: An employee has the option of contributing from 1% to 50% of his/her total
: compensation (within the IRS limitations) on a pre-tax basis.XXX matches $0.
: 50 for every $1.00 up to the first 6% the employee contributes to the plan.
: The plan also provides a Roth 401(k) feature to which the employee can
: contribute after-tax dollars The plan also allows an employee to take up to
: two loans on his/her account, provides for an age 59 ½ withdrawal
: option as well as a hardship withdrawal option.
|
K****D
发帖数: 30533 | 3 she is asking about 401k or roth 401k.
The choice depends on her current tax rate. The higher, the more
incentive to go 401k.
【在 m**k 的大作中提到】
: imho, 6 percent 401k match part at least. and roth ira
:
: which
: 0.
: to
|
s**********d
发帖数: 36899 | 4 the lower the salary, the younger the age,
the more incentive to go roth. |
X****r
发帖数: 3557 | 5 If you expect your future (after retired) tax rate will be higher,
choose Roth 401k, otherwise traditional 401k. If you're not sure,
you can choose a mixture of both. Traditional 401k also has the
benefit that you can choose to pay tax and converted to Roth IRA
whenever time is right for you after you leave your job, e.g. when
you take a break from work without income.
which
0.
to
【在 i******i 的大作中提到】
: Just start my job, could anyone please give me some suggestions about which
: one to choose? 401k or Roth 401K?
: Thank you so much!(BTW, my salary is low at this time)
: An employee has the option of contributing from 1% to 50% of his/her total
: compensation (within the IRS limitations) on a pre-tax basis.XXX matches $0.
: 50 for every $1.00 up to the first 6% the employee contributes to the plan.
: The plan also provides a Roth 401(k) feature to which the employee can
: contribute after-tax dollars The plan also allows an employee to take up to
: two loans on his/her account, provides for an age 59 ½ withdrawal
: option as well as a hardship withdrawal option.
|
i******i
发帖数: 502 | 6 Thank you so much for all of you! I appreciate your replies.
Have a great day! |
h****h
发帖数: 1168 | 7 i use the simple one: half and half.
most of time it's really hard to predict the future.
it's like holding both options,
u choose from different resource when your income changes.
i guess after retiremnet, your income should be less.
【在 X****r 的大作中提到】
: If you expect your future (after retired) tax rate will be higher,
: choose Roth 401k, otherwise traditional 401k. If you're not sure,
: you can choose a mixture of both. Traditional 401k also has the
: benefit that you can choose to pay tax and converted to Roth IRA
: whenever time is right for you after you leave your job, e.g. when
: you take a break from work without income.
:
: which
: 0.
: to
|
s****i
发帖数: 2993 | 8 never roth only. because it would mean you don't have taxable income after
you retire thus you are over paying now. |
r***e
发帖数: 2539 | 9 very good point!
【在 s****i 的大作中提到】
: never roth only. because it would mean you don't have taxable income after
: you retire thus you are over paying now.
|
h****h
发帖数: 1168 | 10 is this Tax laoda?
【在 s****i 的大作中提到】
: never roth only. because it would mean you don't have taxable income after
: you retire thus you are over paying now.
|
|
|
X****r
发帖数: 3557 | 11 Unless employer matches a lot. Employer match is always pre-tax.
【在 s****i 的大作中提到】
: never roth only. because it would mean you don't have taxable income after
: you retire thus you are over paying now.
|
S**C
发帖数: 2964 | 12 Not just that. If ROTH conversion stands as is now, I will be shocked if the
US government won't find some ways to implicitly tax ROTH down the road,
just like the robber Willie Sutton said, "That's where the money is."
For example, how about a VAT style tax with lower income tax rate? Then ROTH
will be screwed.
【在 s****i 的大作中提到】
: never roth only. because it would mean you don't have taxable income after
: you retire thus you are over paying now.
|
i******i
发帖数: 502 | 13
Is there any problems if retired people doesn't have taxable income?
【在 s****i 的大作中提到】
: never roth only. because it would mean you don't have taxable income after
: you retire thus you are over paying now.
|
s**********d
发帖数: 36899 | 14 没有任何问题。
不过如果你现在存了roth那就白付税了。因为存为regular 401k/IRA
现在不付税到退休也不付啊。
当然如果你现在存很多regular到退休时就要交税了。。。
【在 i******i 的大作中提到】
:
: Is there any problems if retired people doesn't have taxable income?
|
p********r
发帖数: 1980 | 15 I prefer 401K (at least match portion) + Roth IRA.
Delaying tax is always better than paying tax now in my opinion.
which
0.
to
【在 i******i 的大作中提到】
: Just start my job, could anyone please give me some suggestions about which
: one to choose? 401k or Roth 401K?
: Thank you so much!(BTW, my salary is low at this time)
: An employee has the option of contributing from 1% to 50% of his/her total
: compensation (within the IRS limitations) on a pre-tax basis.XXX matches $0.
: 50 for every $1.00 up to the first 6% the employee contributes to the plan.
: The plan also provides a Roth 401(k) feature to which the employee can
: contribute after-tax dollars The plan also allows an employee to take up to
: two loans on his/her account, provides for an age 59 ½ withdrawal
: option as well as a hardship withdrawal option.
|
n******h
发帖数: 2482 | 16 If you can save tax, save it now, because governments can always find ways
to tax you. |
