m*******9 发帖数: 303 | 1 401K放多少比较合适?现在大概只放10%多一点,结果用一个网上的计算器一算,退休
后能拿到的钱不多。
退休后除了401K,还有别的来源吗?比如交的那么多social security的税是不是退休
后可以领回一部分?
谢谢! |
m****a 发帖数: 2593 | 2 depends on how much cash you need to save, (for example for downpayment on a
house etc.)
but the basic rule is you should at least max out your employer match
portion.
you will receive a social security check.
【在 m*******9 的大作中提到】 : 401K放多少比较合适?现在大概只放10%多一点,结果用一个网上的计算器一算,退休 : 后能拿到的钱不多。 : 退休后除了401K,还有别的来源吗?比如交的那么多social security的税是不是退休 : 后可以领回一部分? : 谢谢!
|
UT 发帖数: 222 | 3 if social security still exists...
my guess is it will, but you need to live till 75+ to qualify.
a
【在 m****a 的大作中提到】 : depends on how much cash you need to save, (for example for downpayment on a : house etc.) : but the basic rule is you should at least max out your employer match : portion. : you will receive a social security check.
|
s**********d 发帖数: 36899 | 4 不会。美国这点比较好,一般改规矩不会影响以前的。
【在 UT 的大作中提到】 : if social security still exists... : my guess is it will, but you need to live till 75+ to qualify. : : a
|
S**C 发帖数: 2964 | 5 If you are in AMT exemption phase out range, which is relatively easy for
typical Chinese two incomes households, the effective marginal tax rate (fed
+ local) can be easily 40% (32.5%/35% fed + local). Just give you an
incentive to max-out 401k.
【在 m*******9 的大作中提到】 : 401K放多少比较合适?现在大概只放10%多一点,结果用一个网上的计算器一算,退休 : 后能拿到的钱不多。 : 退休后除了401K,还有别的来源吗?比如交的那么多social security的税是不是退休 : 后可以领回一部分? : 谢谢!
|
s******e 发帖数: 2181 | 6 如果lz急着用钱,比如凑买房downpay,那你只需放足可以让公司match up的数字就够
了。
否则,401k就是个避税的工具。
ss好像62岁就可以开始领,但你开始领的年龄越迟,每个月发给你的钱越多,这就是在
赌你能不能长寿。但是无论几岁开始领,活得长的都更划算 --这是句屁话
【在 UT 的大作中提到】 : if social security still exists... : my guess is it will, but you need to live till 75+ to qualify. : : a
|
p********8 发帖数: 81 | 7 刚工作开始接触401k,我的公司特别小,说只有3%的match,那我就放gross年收入*3%
到410k?
另外,看了一眼paychex的fund,expense ratio都挺高的,最低的几个是0.76%,
然后就是看看这几个的1 year 数字大一些的?
说没有费用指的是redemption fee? |
r****m 发帖数: 1204 | 8 1. Contribute to your 401K to get the 3% company match first.
2. Open a Roth IRA and max it next.
3. If you still have money, save it in an individual brokerage account and
invest in a few conservative funds, you probably need it for down payment of
house soon. |
p********8 发帖数: 81 | 9 1. 那我就contribute 3%,然后看到paychex的选项还有Roth,这部分写0%?
2.这个就是找到BOA然后今年之内开一个Roth IRA账户,然后把401k的钱转到里面去?
3.这个过段时间再说
of
【在 r****m 的大作中提到】 : 1. Contribute to your 401K to get the 3% company match first. : 2. Open a Roth IRA and max it next. : 3. If you still have money, save it in an individual brokerage account and : invest in a few conservative funds, you probably need it for down payment of : house soon.
|
m*******9 发帖数: 303 | 10 401K放多少比较合适?现在大概只放10%多一点,结果用一个网上的计算器一算,退休
后能拿到的钱不多。
退休后除了401K,还有别的来源吗?比如交的那么多social security的税是不是退休
后可以领回一部分?
谢谢! |
|
|
m****a 发帖数: 2593 | 11 depends on how much cash you need to save, (for example for downpayment on a
house etc.)
but the basic rule is you should at least max out your employer match
portion.
you will receive a social security check.
【在 m*******9 的大作中提到】 : 401K放多少比较合适?现在大概只放10%多一点,结果用一个网上的计算器一算,退休 : 后能拿到的钱不多。 : 退休后除了401K,还有别的来源吗?比如交的那么多social security的税是不是退休 : 后可以领回一部分? : 谢谢!
|
UT 发帖数: 222 | 12 if social security still exists...
my guess is it will, but you need to live till 75+ to qualify.
a
【在 m****a 的大作中提到】 : depends on how much cash you need to save, (for example for downpayment on a : house etc.) : but the basic rule is you should at least max out your employer match : portion. : you will receive a social security check.
|
s**********d 发帖数: 36899 | 13 不会。美国这点比较好,一般改规矩不会影响以前的。
【在 UT 的大作中提到】 : if social security still exists... : my guess is it will, but you need to live till 75+ to qualify. : : a
|
S**C 发帖数: 2964 | 14 If you are in AMT exemption phase out range, which is relatively easy for
typical Chinese two incomes households, the effective marginal tax rate (fed
+ local) can be easily 40% (32.5%/35% fed + local). Just give you an
incentive to max-out 401k.
【在 m*******9 的大作中提到】 : 401K放多少比较合适?现在大概只放10%多一点,结果用一个网上的计算器一算,退休 : 后能拿到的钱不多。 : 退休后除了401K,还有别的来源吗?比如交的那么多social security的税是不是退休 : 后可以领回一部分? : 谢谢!
|
s******e 发帖数: 2181 | 15 如果lz急着用钱,比如凑买房downpay,那你只需放足可以让公司match up的数字就够
了。
否则,401k就是个避税的工具。
ss好像62岁就可以开始领,但你开始领的年龄越迟,每个月发给你的钱越多,这就是在
赌你能不能长寿。但是无论几岁开始领,活得长的都更划算 --这是句屁话
【在 UT 的大作中提到】 : if social security still exists... : my guess is it will, but you need to live till 75+ to qualify. : : a
|
p********8 发帖数: 81 | 16 刚工作开始接触401k,我的公司特别小,说只有3%的match,那我就放gross年收入*3%
到410k?
另外,看了一眼paychex的fund,expense ratio都挺高的,最低的几个是0.76%,
然后就是看看这几个的1 year 数字大一些的?
说没有费用指的是redemption fee? |
r****m 发帖数: 1204 | 17 1. Contribute to your 401K to get the 3% company match first.
2. Open a Roth IRA and max it next.
3. If you still have money, save it in an individual brokerage account and
invest in a few conservative funds, you probably need it for down payment of
house soon. |
p********8 发帖数: 81 | 18 1. 那我就contribute 3%,然后看到paychex的选项还有Roth,这部分写0%?
2.这个就是找到BOA然后今年之内开一个Roth IRA账户,然后把401k的钱转到里面去?
3.这个过段时间再说
of
【在 r****m 的大作中提到】 : 1. Contribute to your 401K to get the 3% company match first. : 2. Open a Roth IRA and max it next. : 3. If you still have money, save it in an individual brokerage account and : invest in a few conservative funds, you probably need it for down payment of : house soon.
|
y*****m 发帖数: 723 | 19
of
如果公司没有match,那还要放401k吗?刚毕业,想三年内买房。谢谢。
【在 r****m 的大作中提到】 : 1. Contribute to your 401K to get the 3% company match first. : 2. Open a Roth IRA and max it next. : 3. If you still have money, save it in an individual brokerage account and : invest in a few conservative funds, you probably need it for down payment of : house soon.
|
r****m 发帖数: 1204 | 20 This is a good question and a tough one.
Remember, time is your best friend for retirement savings.
IMHO, you should fully fund Roth IRA first.
Then split any available money between down payment saving and 401K (maybe
tilted towards down payment saving first).
Also, remember you can borrow (there is a limit) from your IRA for down
payment. |
b*******c 发帖数: 20683 | 21 家庭收入高且经济宽裕的双职工max out没说的。刚工作手头紧的,先把match拿到再说
,有余钱才考虑多投401k。最终有条件还是要早投多投,看中的是投资所谓的power of
compounding.
【在 m*******9 的大作中提到】 : 401K放多少比较合适?现在大概只放10%多一点,结果用一个网上的计算器一算,退休 : 后能拿到的钱不多。 : 退休后除了401K,还有别的来源吗?比如交的那么多social security的税是不是退休 : 后可以领回一部分? : 谢谢!
|