y*******e
发帖数: 211 | 1 403b也分traditional 和Roth
和 Traditional IRA，Roth IRA 是一个性质的么？ 有什么区别
retirement program太多种，看得晕 | u****e
发帖数: 99 | 2 403b is similar to 401k, sponsored by employer. Tax defer maximum 18k. You
can also use a combination of pretax and Roth option, combined cap 18k.
IRA stands for Individual Retirement Account, not related to employer. You
can choose wherever you like to open it. I'd recommend vanguard. Just use
target retirement 2045 if you don't know where to start. Annual cap 5500 for
2015.
Sequence of investment
1. 403b up to employer match, pretax
2. Roth IRA. If your income exceeds direct contribution limit, google "
backdoor roth"
3. 403b to 18000 max.
If still money left after this, ask again.
【在 y*******e 的大作中提到】
: 403b也分traditional 和Roth
: 和 Traditional IRA，Roth IRA 是一个性质的么？ 有什么区别
: retirement program太多种，看得晕
| y*******e
发帖数: 211 | 3 谢谢解释的很清楚
如果有种403b没有employer match的，是不是它比Roth IRA 就没有优势，而有更多的
限制呢？比如本金可取出的时限？投资选择的范围等
另外这两种是可以一次投入，还是必须要从工资中每月扣？
谢谢 | u****e
发帖数: 99 | 4 If no match at all, go for Roth first. I'm not expert on 403b, but typically
retirement account has this 59.5 year thing attached to it. Roth basis can
be withdrawn at any time, so it is more flexible. Investment choice more as
well.
However, unless you 403b only has really awful choices, tax advantaged
account should still be prioritized before going for taxable.
【在 y*******e 的大作中提到】
: 谢谢解释的很清楚
: 如果有种403b没有employer match的，是不是它比Roth IRA 就没有优势，而有更多的
: 限制呢？比如本金可取出的时限？投资选择的范围等
: 另外这两种是可以一次投入，还是必须要从工资中每月扣？
: 谢谢
| u****e
发帖数: 99 | 5 Contribution: 403b deducted from paycheck as a percentage you choose. Roth:
you need to open the account yourself and link to your bank account for
contribution. Can be a lump sum on 1/1 or as late as 4/15 next year （don't
recommend doing this for tax return reason), or 500 each month or any other
schedule you wish.
typically
can
as
【在 u****e 的大作中提到】
: If no match at all, go for Roth first. I'm not expert on 403b, but typically
: retirement account has this 59.5 year thing attached to it. Roth basis can
: be withdrawn at any time, so it is more flexible. Investment choice more as
: well.
: However, unless you 403b only has really awful choices, tax advantaged
: account should still be prioritized before going for taxable.
| y*******e
发帖数: 211 | |
|
