Y***o
发帖数: 4135 | 1 【 以下文字转载自 Money 讨论区 】
发信人: Yazoo (Time is money, friend!), 信区: Money
标 题: Rollover 401K IRA (转载)
发信站: BBS 未名空间站 (Thu Apr 24 18:27:10 2014, 美东)
现在的 401K 在 Fidelity, 大概有 150-200K。 换工作了， 现在可以把401K roll
over.
1. 有什么别的borkerage 有好的promotion对于roll over？ Fidelity 有 50K United
里程的， 可是现在就在 Fidelity， 所以从公司401k变成 IRA 应该拿不到。 别的公
司有类似Fidelity 的bonus 吗？
2. Also，如果每5万new money 可以拿到某个bonus, 15万可以拿到3个吗？
3. 同一个 401K 帐号可以分多次 roll over 吗？(每次到不同的brokerage？）
谢谢 |
r**m
发帖数: 1825 | 2 最好rollover到新公司的401k，
因为你新开的 rollover IRA是要算在IRA base 里的。
以后做backdoor roth IRA conversion 需要多缴税，
United
【在 Y***o 的大作中提到】
: 【 以下文字转载自 Money 讨论区 】
: 发信人: Yazoo (Time is money, friend!), 信区: Money
: 标 题: Rollover 401K IRA (转载)
: 发信站: BBS 未名空间站 (Thu Apr 24 18:27:10 2014, 美东)
: 现在的 401K 在 Fidelity, 大概有 150-200K。 换工作了， 现在可以把401K roll
: over.
: 1. 有什么别的borkerage 有好的promotion对于roll over？ Fidelity 有 50K United
: 里程的， 可是现在就在 Fidelity， 所以从公司401k变成 IRA 应该拿不到。 别的公
: 司有类似Fidelity 的bonus 吗？
: 2. Also，如果每5万new money 可以拿到某个bonus, 15万可以拿到3个吗？
|
r**m
发帖数: 1825 | 3 http://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-
“Remember not to rollover from an employer sponsored plan to an IRA when
you are doing the backdoor Roth IRA. You can rollover from one plan to
another plan, or to your own solo 401k, just not to an IRA.” |
E******w
发帖数: 2616 | 4 胡说，IRA比401K好得不是一点半点。任何时候有机会把401K的钱转到IRA，一定要毫不
犹豫地转。
另外所谓的backdoor IRA根本没多大意义。你工作的时候有工资收入，而且不完全明白
怎么省税，因此税率多半比退休的时候高。基于这个假设，IRA比Roth IRA要强。当然
，正常情况下你contribute to IRA已经要先交一次税了。那种情况当然要使用
backdoor。但是401K的钱一般比较多，能转IRA，牺牲点其他的东西还是很值得的。
【在 r**m 的大作中提到】
: http://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-
: “Remember not to rollover from an employer sponsored plan to an IRA when
: you are doing the backdoor Roth IRA. You can rollover from one plan to
: another plan, or to your own solo 401k, just not to an IRA.”
|
r**m
发帖数: 1825 | 5 I know the conventional wisdom is that a rollover IRA is better than a 401k
because you have more investment options and also more flexible.
However that is not true for me from my personal experience. My 401k's
return is way better than my IRA's.
I think it is because more options in an IRA account enticed people (which
is me here) to make speculations instead of disciplined investment
uninfluenced by human sentiment.
【在 E******w 的大作中提到】
: 胡说，IRA比401K好得不是一点半点。任何时候有机会把401K的钱转到IRA，一定要毫不
: 犹豫地转。
: 另外所谓的backdoor IRA根本没多大意义。你工作的时候有工资收入，而且不完全明白
: 怎么省税，因此税率多半比退休的时候高。基于这个假设，IRA比Roth IRA要强。当然
: ，正常情况下你contribute to IRA已经要先交一次税了。那种情况当然要使用
: backdoor。但是401K的钱一般比较多，能转IRA，牺牲点其他的东西还是很值得的。
|
a*w
发帖数: 4495 | 6 乱花渐欲迷人眼
401k
【在 r**m 的大作中提到】
: I know the conventional wisdom is that a rollover IRA is better than a 401k
: because you have more investment options and also more flexible.
: However that is not true for me from my personal experience. My 401k's
: return is way better than my IRA's.
: I think it is because more options in an IRA account enticed people (which
: is me here) to make speculations instead of disciplined investment
: uninfluenced by human sentiment.
|
E******w
发帖数: 2616 | 7 More choices are always better. If you cannot control yourself, that's your
problem, but not the problem of having more choices. Even if you do not know
how to use those choices now, you could acquire that skill in the future.
401k
【在 r**m 的大作中提到】
: I know the conventional wisdom is that a rollover IRA is better than a 401k
: because you have more investment options and also more flexible.
: However that is not true for me from my personal experience. My 401k's
: return is way better than my IRA's.
: I think it is because more options in an IRA account enticed people (which
: is me here) to make speculations instead of disciplined investment
: uninfluenced by human sentiment.
|
