c*******e
发帖数: 814 | 1 如果买指数fund的话，如果两者费用差不多，是不是买那个都无所谓了？
有人说ETF有税上的优势。这点对指数基金也成立么？如果放在401K里面还有区别么？ |
m*********y
发帖数: 1890 | 2 401k 里只有fund 没有etf
两者差别微乎其微
【在 c*******e 的大作中提到】
: 如果买指数fund的话，如果两者费用差不多，是不是买那个都无所谓了？
: 有人说ETF有税上的优势。这点对指数基金也成立么？如果放在401K里面还有区别么？
|
r****m
发帖数: 1204 | 3 我说一下ETF在税上的一个主要优势：
For mutual fund investors, even you didn't sell anything, you could still
incur capital gain tax.
For ETF investors, if you don't sell your holding, you will NOT incur any
capital gain. |
m*********y
发帖数: 1890 | 4 但etf会有定期dividend, 在有税帐户里，每年也要交税？
【在 r****m 的大作中提到】
: 我说一下ETF在税上的一个主要优势：
: For mutual fund investors, even you didn't sell anything, you could still
: incur capital gain tax.
: For ETF investors, if you don't sell your holding, you will NOT incur any
: capital gain.
|
c*******e
发帖数: 814 | 5 有dividend的话在有税的账户应该交税。所以有人说reit ETF不适合有税账户，以为
reit的dividend高。
【在 m*********y 的大作中提到】
: 但etf会有定期dividend, 在有税帐户里，每年也要交税？
|
c*******e
发帖数: 814 | 6 good point。
【在 m*********y 的大作中提到】
: 401k 里只有fund 没有etf
: 两者差别微乎其微
|
r****m
发帖数: 1204 | 7
There are two types of dividends - qualified (up to 15% tax rate depending
on your income) and non-qualified (taxed as income).
If the ETF or Mutual Fund invests in the same underlying assets, the same
dividends will be generated, that's why I don't see dividends a difference
between ETFs and Mutual funds (although there might be holding period
differences to determine qualified or nonqualified dividends between ETFs
and Mutual funds, it could get very complicated depending on what types of
ETF/mutual funds and what're the underlying assets - preferred stocks, bonds
, etc.).
【在 m*********y 的大作中提到】
: 但etf会有定期dividend, 在有税帐户里，每年也要交税？
|
m*********y
发帖数: 1890 | 8 for index mutual funds, i think the dividend can be used for auto re-invest,
so the tax won't be charged like for etfs.
bonds
【在 r****m 的大作中提到】
:
: There are two types of dividends - qualified (up to 15% tax rate depending
: on your income) and non-qualified (taxed as income).
: If the ETF or Mutual Fund invests in the same underlying assets, the same
: dividends will be generated, that's why I don't see dividends a difference
: between ETFs and Mutual funds (although there might be holding period
: differences to determine qualified or nonqualified dividends between ETFs
: and Mutual funds, it could get very complicated depending on what types of
: ETF/mutual funds and what're the underlying assets - preferred stocks, bonds
: , etc.).
|
h****g
发帖数: 259 | 9 It does not matter what you do with the dividend. As long as the asset is in
taxable account, you will receive 1099-DIV and pay tax on the dividend.
invest,
【在 m*********y 的大作中提到】
: for index mutual funds, i think the dividend can be used for auto re-invest,
: so the tax won't be charged like for etfs.
:
: bonds
|
m*********y
发帖数: 1890 | 10 oh. i see. thanks for clarification. i only have etfs in my taxable account,
so i didn't know.
in
【在 h****g 的大作中提到】
: It does not matter what you do with the dividend. As long as the asset is in
: taxable account, you will receive 1099-DIV and pay tax on the dividend.
:
: invest,
|
