Y*****2
发帖数: 38613 | 1 大家都存多少？
大家公司都match多少？
401K 好啊，还是Roth 好啊，还是两个都要有阿？
我现在存10%，我公司match 6%. |
n****1
发帖数: 4251 | |
k*****y
发帖数: 4550 | |
k*****y
发帖数: 4550 | 4 有能力的，两个都上，存上限
不行的，先存401K，然后再roth |
y*e
发帖数: 9799 | 5 Since you're very young (your further income will be much higher), I suggest
that you only put in the matching amount in 401K at this time. Tax
deduction is not your primary concern right now because your further tax
bracket will be a lot higher. Always max your Roth IRA while you can since
you may always take out the principal without any penalty. If your company
has Roth 401K, put money in Roth 401K as well :)
【在 Y*****2 的大作中提到】
: 大家都存多少？
: 大家公司都match多少？
: 401K 好啊，还是Roth 好啊，还是两个都要有阿？
: 我现在存10%，我公司match 6%.
|
Y*****2
发帖数: 38613 | 6 so i should put only 6%?
suggest
since
company
【在 y*e 的大作中提到】
: Since you're very young (your further income will be much higher), I suggest
: that you only put in the matching amount in 401K at this time. Tax
: deduction is not your primary concern right now because your further tax
: bracket will be a lot higher. Always max your Roth IRA while you can since
: you may always take out the principal without any penalty. If your company
: has Roth 401K, put money in Roth 401K as well :)
|
d***s
发帖数: 7683 | |
Y*****2
发帖数: 38613 | 8 哪有那么多闲钱都存起来...
【在 d***s 的大作中提到】
: 对于中国人的习惯,两个都要好.
|
y*e
发帖数: 9799 | 9 You company will match the first 6%? If you put in 6%, they'll put in 6% as
well? If that's the case, then yes, only put in 6%.
At your current tax bracket, maxing 401K is not really worthwhile. I
strongly suggest that you max your Roth IRA because there is a cap for it.
You won't be able to contribute if your income is too high, so put in money
while you can :)
【在 Y*****2 的大作中提到】
: so i should put only 6%?
:
: suggest
: since
: company
|
m*******y
发帖数: 14292 | 10 税率是向上涨的 所以个人倾向TRADITIONAL IRA
你公司MATCH的不错 多存吧 可以把它MAX掉 不是每个公司都MATCH的 |
|
|
d***s
发帖数: 7683 | 11 一般人的收入65岁以后都比年轻时少,所以Traditional IRA不合算. 有大量的人近几年
都从Traditional transfer到了Roth.
【在 m*******y 的大作中提到】
: 税率是向上涨的 所以个人倾向TRADITIONAL IRA
: 你公司MATCH的不错 多存吧 可以把它MAX掉 不是每个公司都MATCH的
|
d***s
发帖数: 7683 | 12 逻辑混乱了.
原因忘了,结论是Roth适合大多数人.
【在 d***s 的大作中提到】
: 一般人的收入65岁以后都比年轻时少,所以Traditional IRA不合算. 有大量的人近几年
: 都从Traditional transfer到了Roth.
|
b***u
发帖数: 12010 | 13 i used to save max amount(15%) but regreted it after i've done more research
. if i keep saving a reasonable portion of my income to 401k i will get
several millions at the age of 60. but why would i want that much money at
the age of 60? and loaning from your 401k doesn't make sense neither. the
interest rate is 1 + prime rate, which gives you little, if any, benifit
compared to the market. it won't allow you to buy a fancier house because
you decide the value of your house based on how much monthly payment you can
make, either to your 401k or to a bank. maybe i'll start saving 401k after
i've made my house purchase. but not now. |
Y*****2
发帖数: 38613 | 14 我多希望我明年就不qualify。。。
000 |
y*e
发帖数: 9799 | 15 打一个比方：
丫头今年交税25%。丫头十年后交税45%。她今年把钱存traditional 401K，只不过省了
25%，而且她万一要在59岁之前用这笔钱，除了要交税外还要交10%罚款。
她不如今年交税25%，把税后的钱存进Roth IRA。Roth IRA的本金可以取，不罚款。等
到丫头一年MAGI超过十二万的时候，她就没有资格再买Roth IRA了，所以趁能买的时候
赶快买吧。 |
Y*****2
发帖数: 38613 | 16 哦这样啊
...
但是所有personal finance的书都suggest多少要存一点的。
research
can
after
【在 b***u 的大作中提到】
: i used to save max amount(15%) but regreted it after i've done more research
: . if i keep saving a reasonable portion of my income to 401k i will get
: several millions at the age of 60. but why would i want that much money at
: the age of 60? and loaning from your 401k doesn't make sense neither. the
: interest rate is 1 + prime rate, which gives you little, if any, benifit
: compared to the market. it won't allow you to buy a fancier house because
: you decide the value of your house based on how much monthly payment you can
: make, either to your 401k or to a bank. maybe i'll start saving 401k after
: i've made my house purchase. but not now.
|
F******k
发帖数: 7375 | |
y*e
发帖数: 9799 | 18 Yes, at the very least your company's matching amount. Always take "free"
money :-)
【在 Y*****2 的大作中提到】
: 哦这样啊
: ...
: 但是所有personal finance的书都suggest多少要存一点的。
:
: research
: can
: after
|
a*o
发帖数: 25262 | 19 looks like Roth IRA limit doesn't apply to Roth 401k......
【在 Y*****2 的大作中提到】
: 我多希望我明年就不qualify。。。
:
: 000
|
b***u
发帖数: 12010 | 20 的个pitfall。公司match的部分只能存到非roth。这样会损失这部分的收入税。具体为
什么我回来再说。
【在 y*e 的大作中提到】
: 打一个比方：
: 丫头今年交税25%。丫头十年后交税45%。她今年把钱存traditional 401K，只不过省了
: 25%，而且她万一要在59岁之前用这笔钱，除了要交税外还要交10%罚款。
: 她不如今年交税25%，把税后的钱存进Roth IRA。Roth IRA的本金可以取，不罚款。等
: 到丫头一年MAGI超过十二万的时候，她就没有资格再买Roth IRA了，所以趁能买的时候
: 赶快买吧。
|
|
|
y*e
发帖数: 9799 | 21 so busy :-)
【在 b***u 的大作中提到】
: 的个pitfall。公司match的部分只能存到非roth。这样会损失这部分的收入税。具体为
: 什么我回来再说。
|
m*******y
发帖数: 14292 | 22 不然给你一个CPA你问问？ 反正我一分每存 啊哈哈哈 |
r*****x
发帖数: 621 | 23 等
【在 b***u 的大作中提到】
: 的个pitfall。公司match的部分只能存到非roth。这样会损失这部分的收入税。具体为
: 什么我回来再说。
|
m*******y
发帖数: 14292 | 24 同意
【在 y*e 的大作中提到】
: Yes, at the very least your company's matching amount. Always take "free"
: money :-)
|
b***u
发帖数: 12010 | 25 say you are saving 1k pre-tax money, your company matches 100% on all
contributions you make. Your tax rate is 30%
if you contribute to pre-tax 401k, your company contributes 1k, and you end
up with 2k pre tax money in your account.
if you contribute to roth, your company matches your money saved to roth on
a pre-tax basis. So you will end up with 700 after-tax money and 700 pre-tax
money, losing 300 pre-tax money.
This looks dumb, but it's what i found out after reading the plan summary
for my company. It may be different for other companies.
【在 b***u 的大作中提到】
: 的个pitfall。公司match的部分只能存到非roth。这样会损失这部分的收入税。具体为
: 什么我回来再说。
|
Y*****2
发帖数: 38613 | 26 401k, 好像是将来取得时候有tax, ROTH 将来取就没tax了？
回家我也研究一下。
end
on
tax
【在 b***u 的大作中提到】
: say you are saving 1k pre-tax money, your company matches 100% on all
: contributions you make. Your tax rate is 30%
: if you contribute to pre-tax 401k, your company contributes 1k, and you end
: up with 2k pre tax money in your account.
: if you contribute to roth, your company matches your money saved to roth on
: a pre-tax basis. So you will end up with 700 after-tax money and 700 pre-tax
: money, losing 300 pre-tax money.
: This looks dumb, but it's what i found out after reading the plan summary
: for my company. It may be different for other companies.
|
b***u
发帖数: 12010 | 27 公司match部分是税前
【在 Y*****2 的大作中提到】
: 401k, 好像是将来取得时候有tax, ROTH 将来取就没tax了？
: 回家我也研究一下。
:
: end
: on
: tax
|
l*****z
发帖数: 13617 | |
f******g
发帖数: 1697 | 29 同意。拿到手的才是真金白银，还不知道赶上咱退休的时候是什么样了。
不过401K有match一定把match拿够了就好。
【在 m*******y 的大作中提到】
: 不然给你一个CPA你问问？ 反正我一分每存 啊哈哈哈
|
y*e
发帖数: 9799 | 30 If your contribute to Roth 401K, and your company matches on a pre-tax basis
, will you be taxed on the company's match when you withdraw? I would
certainly hope not because I believe the general idea is that you would not
be taxed more than once. If my assumption is correct, then you don't lose
any money.
The advantage of Roth 401K and Roth IRA is that your compounded interest
would not be taxed if you do not withdraw early. Follow your example, you
contribute 1k and get 1k match when your tax rate is 30%. Assuming a modest
rate of return at 7.5%, and assuming you are free to withdraw in 30 years.
You'd have $17509. Now, if you contribute $700 and the company matches $
700, after 30 years, you'd have $12256 (12256 = 0.7*17509). The question
you should really be asking yourself is: do you think your tax bracket would
be lower in 30 years?
end
on
tax
【在 b***u 的大作中提到】
: say you are saving 1k pre-tax money, your company matches 100% on all
: contributions you make. Your tax rate is 30%
: if you contribute to pre-tax 401k, your company contributes 1k, and you end
: up with 2k pre tax money in your account.
: if you contribute to roth, your company matches your money saved to roth on
: a pre-tax basis. So you will end up with 700 after-tax money and 700 pre-tax
: money, losing 300 pre-tax money.
: This looks dumb, but it's what i found out after reading the plan summary
: for my company. It may be different for other companies.
|
|
|
b***u
发帖数: 12010 | 31 shouldn't take growth in concern, the present value of the money is
different than its future value when your are 60, and there are other
investment methods the 401k. and based on your investment model, you may
very well lose money.
for your first question, i read through the summary, the answer is yes, you
will be taxed on the company's match.
basis
not
modest
.
【在 y*e 的大作中提到】
: If your contribute to Roth 401K, and your company matches on a pre-tax basis
: , will you be taxed on the company's match when you withdraw? I would
: certainly hope not because I believe the general idea is that you would not
: be taxed more than once. If my assumption is correct, then you don't lose
: any money.
: The advantage of Roth 401K and Roth IRA is that your compounded interest
: would not be taxed if you do not withdraw early. Follow your example, you
: contribute 1k and get 1k match when your tax rate is 30%. Assuming a modest
: rate of return at 7.5%, and assuming you are free to withdraw in 30 years.
: You'd have $17509. Now, if you contribute $700 and the company matches $
|
y*e
发帖数: 9799 | 32 Your company is pure EVIL!!!!!
you
【在 b***u 的大作中提到】
: shouldn't take growth in concern, the present value of the money is
: different than its future value when your are 60, and there are other
: investment methods the 401k. and based on your investment model, you may
: very well lose money.
: for your first question, i read through the summary, the answer is yes, you
: will be taxed on the company's match.
:
: basis
: not
: modest
|
t*******y
发帖数: 11968 | 33 match the match, rest in stock |
b***u
发帖数: 12010 | 34 我怀疑都是一样的。你仔细读读你的文件。另外roth还有个限制，就是如果你60岁取，
那存的钱和earning都不用交税。可如果之前取(i. e. financial hardship), earning
部分要交税(in addition to 10% penalty)。太不划算了。
【在 y*e 的大作中提到】
: Your company is pure EVIL!!!!!
:
: you
|
Y*****2
发帖数: 38613 | 35 那我到底存多少啊？
6%吗？
我现在可以改的。
earning
【在 b***u 的大作中提到】
: 我怀疑都是一样的。你仔细读读你的文件。另外roth还有个限制，就是如果你60岁取，
: 那存的钱和earning都不用交税。可如果之前取(i. e. financial hardship), earning
: 部分要交税(in addition to 10% penalty)。太不划算了。
|
y*e
发帖数: 9799 | 36 不用看了，我现在的公司根本没有match...
以前的公司有Roth 401K，但我也没有买
我也郁闷了～～～～
earning
【在 b***u 的大作中提到】
: 我怀疑都是一样的。你仔细读读你的文件。另外roth还有个限制，就是如果你60岁取，
: 那存的钱和earning都不用交税。可如果之前取(i. e. financial hardship), earning
: 部分要交税(in addition to 10% penalty)。太不划算了。
|
y*e
发帖数: 9799 | 37 如果是我就放6%
然后每年自己买Roth IRA
【在 Y*****2 的大作中提到】
: 那我到底存多少啊？
: 6%吗？
: 我现在可以改的。
:
: earning
|
Y*****2
发帖数: 38613 | 38 好，谢谢。
【在 y*e 的大作中提到】
: 如果是我就放6%
: 然后每年自己买Roth IRA
|
b***u
发帖数: 12010 | 39 我在决定老死在美国前都不会存。social security已经在给自己存养老钱了。
【在 Y*****2 的大作中提到】
: 那我到底存多少啊？
: 6%吗？
: 我现在可以改的。
:
: earning
|
d***s
发帖数: 7683 | 40 看了广大网友的回帖, 发现很多人误区和误解很多, 我又感觉到了理财顾问的了解理财
知识的重要性.
过俩天我把那本书的盗版PDF版发上来供大家免费学习和下载. 书名
是Women但是男的也能看. |
|
|
Y*****2
发帖数: 38613 | 41 好啊，谢谢。
【在 d***s 的大作中提到】
: 看了广大网友的回帖, 发现很多人误区和误解很多, 我又感觉到了理财顾问的了解理财
: 知识的重要性.
: 过俩天我把那本书的盗版PDF版发上来供大家免费学习和下载. 书名
: 是Women但是男的也能看.
|
Y*****2
发帖数: 38613 | 42 恩...
【在 b***u 的大作中提到】
: 我在决定老死在美国前都不会存。social security已经在给自己存养老钱了。
|
t*******y
发帖数: 11968 | 43
女人的理财策略应该比男人激进
【在 d***s 的大作中提到】
: 看了广大网友的回帖, 发现很多人误区和误解很多, 我又感觉到了理财顾问的了解理财
: 知识的重要性.
: 过俩天我把那本书的盗版PDF版发上来供大家免费学习和下载. 书名
: 是Women但是男的也能看.
|
r*******t
发帖数: 8550 | 44 Social Secuity might bankcrupt.
Roth IRA might charge tax in the future --- this is already a hot topic in
2010 while people are discussing the huge budget deficit. So DO NOT TAKE
FOR GRANTED that ROTH IRA won't need to pay tax in the future. There are
lot of samples IN USA that many policy gave/promise tax free but changed
later to charge tax.
The best suggestion: MAX OUT 401K (2010 is $16500) before doing other
retirement contribution, A) for company match; B) guarantee save TAX NOW.
If you are not an expert in investing, also just do the most simple thing:
Contribute Max first to 401k, then to traditional IRA, then Roth IRA.
【在 b***u 的大作中提到】
: 我在决定老死在美国前都不会存。social security已经在给自己存养老钱了。
|
Y*****2
发帖数: 38613 | 45 I read from some other finance book that "max out 401K option" is for people
over 40 or people have family responsibilities and who are settling down.
For young professionals, we should pick more aggressive investing options.
【在 r*******t 的大作中提到】
: Social Secuity might bankcrupt.
: Roth IRA might charge tax in the future --- this is already a hot topic in
: 2010 while people are discussing the huge budget deficit. So DO NOT TAKE
: FOR GRANTED that ROTH IRA won't need to pay tax in the future. There are
: lot of samples IN USA that many policy gave/promise tax free but changed
: later to charge tax.
: The best suggestion: MAX OUT 401K (2010 is $16500) before doing other
: retirement contribution, A) for company match; B) guarantee save TAX NOW.
: If you are not an expert in investing, also just do the most simple thing:
: Contribute Max first to 401k, then to traditional IRA, then Roth IRA.
|
b***u
发帖数: 12010 | 46 bancrupt的方式是美元贬值，都逃不了。
【在 r*******t 的大作中提到】
: Social Secuity might bankcrupt.
: Roth IRA might charge tax in the future --- this is already a hot topic in
: 2010 while people are discussing the huge budget deficit. So DO NOT TAKE
: FOR GRANTED that ROTH IRA won't need to pay tax in the future. There are
: lot of samples IN USA that many policy gave/promise tax free but changed
: later to charge tax.
: The best suggestion: MAX OUT 401K (2010 is $16500) before doing other
: retirement contribution, A) for company match; B) guarantee save TAX NOW.
: If you are not an expert in investing, also just do the most simple thing:
: Contribute Max first to 401k, then to traditional IRA, then Roth IRA.
|
r*******t
发帖数: 8550 | 47 Aggressive investing option doesn't mean not to max out 401k, it means you
could afford to invest in aggressive portfolios.
Actually max out 401k with aggressive portfolios is a very aggressive type
of investment.
people
【在 Y*****2 的大作中提到】
: I read from some other finance book that "max out 401K option" is for people
: over 40 or people have family responsibilities and who are settling down.
: For young professionals, we should pick more aggressive investing options.
|
x**y
发帖数: 10012 | 48 我觉得大家有钱的话可以投资给我
绝对高风险高回报
【在 r*******t 的大作中提到】
: Aggressive investing option doesn't mean not to max out 401k, it means you
: could afford to invest in aggressive portfolios.
: Actually max out 401k with aggressive portfolios is a very aggressive type
: of investment.
:
: people
|
Y*****2
发帖数: 38613 | 49 你要肉偿吗？神马回报？
【在 x**y 的大作中提到】
: 我觉得大家有钱的话可以投资给我
: 绝对高风险高回报
|
b***u
发帖数: 12010 | 50 选aggressive model后，ballance基本跟着INDU同比例上下了。
【在 r*******t 的大作中提到】
: Aggressive investing option doesn't mean not to max out 401k, it means you
: could afford to invest in aggressive portfolios.
: Actually max out 401k with aggressive portfolios is a very aggressive type
: of investment.
:
: people
|
|
|
k********a
发帖数: 7225 | 51 高风险低回报
【在 x**y 的大作中提到】
: 我觉得大家有钱的话可以投资给我
: 绝对高风险高回报
|
r*******t
发帖数: 8550 | 52 赞
【在 k********a 的大作中提到】
: 高风险低回报
|
l*****z
发帖数: 13617 | 53 那，有pension是不是就没有401k?
【在 y*e 的大作中提到】
: 不用看了，我现在的公司根本没有match...
: 以前的公司有Roth 401K，但我也没有买
: 我也郁闷了～～～～
:
: earning
|
y*e
发帖数: 9799 | 54 我决定明天在家做螃蟹，把钱都吃掉
【在 x**y 的大作中提到】
: 我觉得大家有钱的话可以投资给我
: 绝对高风险高回报
|
y*e
发帖数: 9799 | 55 No, this purely depends on each individual organization.
【在 l*****z 的大作中提到】
: 那，有pension是不是就没有401k?
|
l*****z
发帖数: 13617 | 56 3X.I will ask HR.
【在 y*e 的大作中提到】
: No, this purely depends on each individual organization.
|
d***s
发帖数: 7683 | |
i**********o
发帖数: 5993 | 58 max both
6% is sweet
is your company hiring?
【在 Y*****2 的大作中提到】
: 大家都存多少？
: 大家公司都match多少？
: 401K 好啊，还是Roth 好啊，还是两个都要有阿？
: 我现在存10%，我公司match 6%.
|
Y*****2
发帖数: 38613 | 59 hire 好像，过段时间开始，到时候我给你说？
【在 i**********o 的大作中提到】
: max both
: 6% is sweet
: is your company hiring?
|
i**********o
发帖数: 5993 | 60 401K can be put into aggresive investments too. It depends on the options
your company offers though.
people
【在 Y*****2 的大作中提到】
: I read from some other finance book that "max out 401K option" is for people
: over 40 or people have family responsibilities and who are settling down.
: For young professionals, we should pick more aggressive investing options.
|
|
|
m*******y
发帖数: 14292 | |
Y*****2
发帖数: 38613 | 62 ahhhh good point!
i am sooooo much happier now!!!!
【在 m*******y 的大作中提到】
: 2012之前 攒钱多没意义啊
|
I*****2
发帖数: 1586 | 63 难怪我从来就没弄过roth
【在 Y*****2 的大作中提到】
: 我多希望我明年就不qualify。。。
:
: 000
|
