r*******8
发帖数: 13 | 1 准备2，3年后买房，目前401K（一个人）和ROTH IRA（两个人）每年都放满，准备用剩
余的积蓄（reward checking + index fund）加上401K LOAN付首付，不准备用ROTH
IRA的$20K（两个人，首次买房），请问这样的打算有问题吗？ |
c*********7
发帖数: 19373 | 2 首次买房拿出的钱有上线吧。
【在 r*******8 的大作中提到】
: 准备2，3年后买房，目前401K（一个人）和ROTH IRA（两个人）每年都放满，准备用剩
: 余的积蓄（reward checking + index fund）加上401K LOAN付首付，不准备用ROTH
: IRA的$20K（两个人，首次买房），请问这样的打算有问题吗？
|
i**y
发帖数: 1339 | 3 401K loan is a bad bad bad choice. Double tax
【在 r*******8 的大作中提到】
: 准备2，3年后买房，目前401K（一个人）和ROTH IRA（两个人）每年都放满，准备用剩
: 余的积蓄（reward checking + index fund）加上401K LOAN付首付，不准备用ROTH
: IRA的$20K（两个人，首次买房），请问这样的打算有问题吗？
|
l*****d
发帖数: 236 | 4 Double taxation on 401k loan is a myth, although there are definitely cons
on 401k loan.
【在 i**y 的大作中提到】
: 401K loan is a bad bad bad choice. Double tax
|
r*******8
发帖数: 13 | 5 是的，401K是5万，ROTH IRA是两个人2万。我现在就在下面的4个OPTIONS纠结，不知道
哪个最好。个人觉得可能1最好，如果长期投资每年收益至少有4%的话。
1. 不动401K和ROTH IRA，付20%首付；
2. 不动401K和ROTH IRA，付50%首付（还有15年和30年的区分）；
3. 用401K和ROTH IRA其中一个或两个的钱，加上积蓄，付20%首付；
4. 用401K和ROTH IRA其中一个或两个的钱，加上积蓄，付50%首付；
【在 c*********7 的大作中提到】
: 首次买房拿出的钱有上线吧。
|
r*******8
发帖数: 13 | 6 是啊，我自己都算不清楚了，不知道哪位过来人有经验分析一下PROS AND CONS？
【在 l*****d 的大作中提到】
: Double taxation on 401k loan is a myth, although there are definitely cons
: on 401k loan.
|
s*****n
发帖数: 2174 | 7 Compared to getting a mortgage with tax benefit, double taxation on 401K is
not totally a myth, it is true but its magnitude is very minimal.
The interest part of 401K loan repayment is indeed doubled taxed. You use
post-tax money to pay the loan back, but it becomes pre-tax money into the
loan. If you get a mortgage from a bank, you still use post-tax money to pay
the mortgage, but at least you get the interest deducted from from tax
return (in most cases).
However, the dollar amount as a result of double taxation is pretty minimal
so this is not really the biggest concern about 401K loan. The real concerns
are usually other liminitations of 401K loan, such as harsh payment on job
terminination.
In general, 401K loan is a bad idea for home downpayment. Roth IRA is an
even worse idea. If you have to get help from 401K/Roth IRA for downpayment,
it means you cannot afford the home at all. If you can afford option 1 or 2
, then you are ready to buy a home. Whether option 1 or 2 is better is
completely a subjective comparison between (speculative) investment return
and mortgage rate.
【在 r*******8 的大作中提到】
: 是啊，我自己都算不清楚了，不知道哪位过来人有经验分析一下PROS AND CONS？
|
r*******8
发帖数: 13 | 8 多谢！如果不用担心HARSH PAYMENT，我的4个OPTIONS里哪个最好呢（从经济上说）？
is
pay
minimal
concerns
job
【在 s*****n 的大作中提到】
: Compared to getting a mortgage with tax benefit, double taxation on 401K is
: not totally a myth, it is true but its magnitude is very minimal.
: The interest part of 401K loan repayment is indeed doubled taxed. You use
: post-tax money to pay the loan back, but it becomes pre-tax money into the
: loan. If you get a mortgage from a bank, you still use post-tax money to pay
: the mortgage, but at least you get the interest deducted from from tax
: return (in most cases).
: However, the dollar amount as a result of double taxation is pretty minimal
: so this is not really the biggest concern about 401K loan. The real concerns
: are usually other liminitations of 401K loan, such as harsh payment on job
|
y****i
发帖数: 17878 | 9 good explanations here
http://thefinancebuff.com/401k-loan-double-taxation-myth.html
http://www.mymoneyblog.com/double-taxation-and-the-real-reasons
http://www.mymoneyblog.com/better-example-against-double-taxati
is
pay
minimal
concerns
job
【在 s*****n 的大作中提到】
: Compared to getting a mortgage with tax benefit, double taxation on 401K is
: not totally a myth, it is true but its magnitude is very minimal.
: The interest part of 401K loan repayment is indeed doubled taxed. You use
: post-tax money to pay the loan back, but it becomes pre-tax money into the
: loan. If you get a mortgage from a bank, you still use post-tax money to pay
: the mortgage, but at least you get the interest deducted from from tax
: return (in most cases).
: However, the dollar amount as a result of double taxation is pretty minimal
: so this is not really the biggest concern about 401K loan. The real concerns
: are usually other liminitations of 401K loan, such as harsh payment on job
|
