d****n 发帖数: 1241 | 1 刚在fidelity开了四个账户,Traditional IRA, Rollover IRA, ROTH IRA以及公司的
401k plan的账户。有点糊涂这几个账户如何操作。
1。在跟公司对应的401k的账户里,有两个关于contribution amount的选择,401k
deferrals和ROTH Basic. 是不是公司的match和自己的contribution只能进入这两个选
择里呢?然后401k deferrals是pre-tax, roth basic是post tax?
2. 假设公司的match是按照固定的金额,比如1000块,那么这1000是税前的还是税后的
呢?比如我选择全部contribute ROTH 401K, 那么公司match的钱最终体现的roth 401k
里的数量是1000还是800(假设税率是20%)呢?
3。是不是不能直接从工资里contribute Traditional IRA和ROTH IRA呢?好像在这两
个账户里,找不到从工资直接contribute的选项,只能从其他账户转过去。
4。我看到有不少帖子推荐放满ROTH IRA的,这里是指从自己的银行账户转入5500到
roth ira的账户吗?还是从401K账户转呢?还有就是通自己在某个银行(比如schwab)
开户自己投资比较,把钱存放在roth ira里进行投资有什么优势呢?
非常非常初级的问题,多谢指教:) | r****m 发帖数: 1204 | 2 These are actually quite confusing questions for many people.
1) Yes
2) Company match is always pre-tax. If you only have Roth 401K account, then
you will need a regular 401K account for company match money.
3) You are right. You need to fund Roth IRA from your after tax money.
4) Yes, fund Roth from your bank money. Money in Roth IRA will NOT have tax
issue, either during growth stage or distribution stage. This is very nice
if you face high tax rate in your retirement time. | d****n 发帖数: 1241 | 3 非常感谢!
关于2我还有一个问题,也就是说,我必须在我的regular 401k的账户里,选择一定的
contribution比例,例如%2, 这样才能收到相对应的公司match钱,是这样的吗?再次
感谢! | r****m 发帖数: 1204 | 4 Yes, please read your company's HR policy and see the company matching
policy.
Typically companies match 50% of an employee's first certain percentage of
salary's contribution (e.g. you contribute 6% of your salary, company
matches 3%), that's why you need to get your company's free matching money
first, before doing anything else. | d****n 发帖数: 1241 | |
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