g*******t
发帖数: 1084 | 1 请教大家
现在30YEAR fix rate: 3.5%; 15 year fix rate: 2.875%.
房贷41.7W。
那么是选择15Year 的Loan，减少投入403B好呢； 还是选择30Year Loan 然后继续投入
403B ？ |
c******z
发帖数: 1230 | 2 403B/401k如果有match的部分，存到能match最多的额度；
顺序应该是 还其他一切consumer loan > 有match的403B/401K > Roth IRA > 其他收
益率大于房贷利率的投资 > 还房贷 |
g*******t
发帖数: 1084 | 3 那么， 没有Match的403B/401k是排在还房贷后面吗？
谢谢！
【在 c******z 的大作中提到】
: 403B/401k如果有match的部分，存到能match最多的额度；
: 顺序应该是 还其他一切consumer loan > 有match的403B/401K > Roth IRA > 其他收
: 益率大于房贷利率的投资 > 还房贷
|
c******z
发帖数: 1230 | 4 403B/401k只是推迟交税，也许未来的税率还更高呢？401K的投资选择也受限制、而且
常常有隐藏的管理费，如果没有match真的是意思不大。如果你收入正好在tax-bracket
附近，也许能得到一点点好处，要根据你的情况具体计算。没有Match还不如存
Traditional IRA呢。 |
S**C
发帖数: 2964 | 5 "还其他一切consumer loan" that is too broad a brush. Let's say car loans at
0.9% vs. mortgage 3.5%, which one comes first, assuming 25% marginal tax. |
w***n
发帖数: 1519 | 6 Mortgage can be a good hedge against inflation, and it matters how you are
investing in your 401k/403b. It probably doesn't make much sense if you are
paying 3.5% interest just so that you can put more money on bonds paying
merely ~2.5% yield. |
j**********r
发帖数: 3798 | 7 Depends on your marginal tax rate.
are
【在 w***n 的大作中提到】
: Mortgage can be a good hedge against inflation, and it matters how you are
: investing in your 401k/403b. It probably doesn't make much sense if you are
: paying 3.5% interest just so that you can put more money on bonds paying
: merely ~2.5% yield.
|
