t********e
发帖数: 931 | 1 公司是非赢利机构，同时提供401K和403B。
$17000的上限是两个Plan Combined Limit还是单独的Limit？
能否每年存$17000的401K，再存$17000的403B？ | y****i
发帖数: 17878 | 2 combined
if you have 457(b), you may contribute up to another $17,000.
【在 t********e 的大作中提到】
: 公司是非赢利机构，同时提供401K和403B。
: $17000的上限是两个Plan Combined Limit还是单独的Limit？
: 能否每年存$17000的401K，再存$17000的403B？
| c*****x
发帖数: 429 | 3 Separate. You can contribute 17k to each of them. | y****i
发帖数: 17878 | 4 combined
http://www.irs.gov/publications/p571/ch04.html
403(b) plan and another retirement plan. If, during the year, contributions
in the form of elective deferrals are made to other retirement plans on
your behalf, you must combine all of the elective deferrals to determine if
they are more than your limit on elective deferrals. The limit on elective
deferrals applies to amounts contributed to:
401(k) plans, to the extent excluded from income,
Roth contribution program,
Section 501(c)(18) plans, to the extent excluded from income,
Savings incentive match plan for employees (SIMPLE plans),
Simplified employee pension (SEP) plans, and
All 403(b) plans.
【在 c*****x 的大作中提到】
: Separate. You can contribute 17k to each of them.
| o********8
发帖数: 251 | 5 如果你有403b和457b, 你可以各存17000到两个账户。
【在 t********e 的大作中提到】
: 公司是非赢利机构，同时提供401K和403B。
: $17000的上限是两个Plan Combined Limit还是单独的Limit？
: 能否每年存$17000的401K，再存$17000的403B？
| r***e
发帖数: 2539 | 6 一直没搞清楚这个457b，
只知道401k和403b是类似的。
老余能简单说下吗？
contributions
if
【在 y****i 的大作中提到】
: combined
: http://www.irs.gov/publications/p571/ch04.html
: 403(b) plan and another retirement plan. If, during the year, contributions
: in the form of elective deferrals are made to other retirement plans on
: your behalf, you must combine all of the elective deferrals to determine if
: they are more than your limit on elective deferrals. The limit on elective
: deferrals applies to amounts contributed to:
: 401(k) plans, to the extent excluded from income,
: Roth contribution program,
: Section 501(c)(18) plans, to the extent excluded from income,
| y****i
发帖数: 17878 | 7 it's pretty much the same as 401k or 403b
Cons:
only state or local government employees, or certain tax-exempt
organizations under IRC 501(c) employees qualify. The former is called
public plan, the latter is called private plan.
Pros:
when you leave your job, the money in your public plan is not subject to the
age 59 1/2 rule, so it can be withdrawn without incurring a 10% early
withdrawal penalty.
http://www.irs.gov/retirement/article/0,,id=172437,00.html
【在 r***e 的大作中提到】
: 一直没搞清楚这个457b，
: 只知道401k和403b是类似的。
: 老余能简单说下吗？
:
: contributions
: if
| c*****x
发帖数: 429 | 8 You are right. I was thinking 457b when I replied.
【在 y****i 的大作中提到】
: combined
: http://www.irs.gov/publications/p571/ch04.html
: 403(b) plan and another retirement plan. If, during the year, contributions
: in the form of elective deferrals are made to other retirement plans on
: your behalf, you must combine all of the elective deferrals to determine if
: they are more than your limit on elective deferrals. The limit on elective
: deferrals applies to amounts contributed to:
: 401(k) plans, to the extent excluded from income,
: Roth contribution program,
: Section 501(c)(18) plans, to the extent excluded from income,
|
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