g***u
发帖数: 389 | 1 【 以下文字转载自 Money 讨论区 】
发信人: gansu (甘肃宅), 信区: Money
标 题: 请问回国的话401k该怎么办啊
发信站: BBS 未名空间站 (Tue Sep 9 18:59:32 2014, 美东)
一定要罚款么， 如果不急着用是不是就让他放着就好了？ |
T******g
发帖数: 21328 | 2 rollover ira放着就好了
【在 g***u 的大作中提到】
: 【 以下文字转载自 Money 讨论区 】
: 发信人: gansu (甘肃宅), 信区: Money
: 标 题: 请问回国的话401k该怎么办啊
: 发信站: BBS 未名空间站 (Tue Sep 9 18:59:32 2014, 美东)
: 一定要罚款么， 如果不急着用是不是就让他放着就好了？
|
s**x
发帖数: 405 | 3 rollover IRA 然后每年convert 20% to roth IRA。只要交convert部分的income tax(
应该税率很低)。5年满后principal可以全部withdraw, no fee no tax (当然如果roth
IRA有盈利部分还是要交fee/tax) |
a***e
发帖数: 393 | 4 谢谢
tax(
roth
【在 s**x 的大作中提到】
: rollover IRA 然后每年convert 20% to roth IRA。只要交convert部分的income tax(
: 应该税率很低)。5年满后principal可以全部withdraw, no fee no tax (当然如果roth
: IRA有盈利部分还是要交fee/tax)
|
g***u
发帖数: 389 | 5 谢谢 如果不急着用
是不是放在401k里面也挺好的?
谢谢 从来没研究过这个
tax(
roth
【在 s**x 的大作中提到】
: rollover IRA 然后每年convert 20% to roth IRA。只要交convert部分的income tax(
: 应该税率很低)。5年满后principal可以全部withdraw, no fee no tax (当然如果roth
: IRA有盈利部分还是要交fee/tax)
|
g*q
发帖数: 26623 | 6 不如自己的IRA灵活.时间长了你连roolover都没机会了.
【在 g***u 的大作中提到】
: 谢谢 如果不急着用
: 是不是放在401k里面也挺好的?
: 谢谢 从来没研究过这个
:
: tax(
: roth
|
N*****s
发帖数: 3324 | 7 If you do not plan on returning, "borrow" all of them either on the basis of
hardship or via a personal loan, and leave. I am not sure if they have any
recourse way to ask you to pay back the "borrowed" money when you terminate
your employment and live overseas.
【在 g***u 的大作中提到】
: 谢谢 如果不急着用
: 是不是放在401k里面也挺好的?
: 谢谢 从来没研究过这个
:
: tax(
: roth
|
X****r
发帖数: 3557 | 8 usually you can only borrow up to 50% of your 401k balance, so that is going
to work better than simply taking the penalty.
of
any
terminate
【在 N*****s 的大作中提到】
: If you do not plan on returning, "borrow" all of them either on the basis of
: hardship or via a personal loan, and leave. I am not sure if they have any
: recourse way to ask you to pay back the "borrowed" money when you terminate
: your employment and live overseas.
|
g*********e
发帖数: 14401 | 9 时间长了不能roll？能展开说说吗？
【在 g*q 的大作中提到】
: 不如自己的IRA灵活.时间长了你连roolover都没机会了.
|
f*******n
发帖数: 12623 | 10 If you leave the employment, you must pay back the loan within 60 days. If
you default on your loan the amount you default will count as a distribution
. A distribution is taxable and might also have a penalty. You are required
to file and pay taxes on it. If you don't pay taxes you owe then that is tax
evasion. You do not want to find out what "recourse" the U.S. government
has when you refuse to pay taxes.
of
any
terminate
【在 N*****s 的大作中提到】
: If you do not plan on returning, "borrow" all of them either on the basis of
: hardship or via a personal loan, and leave. I am not sure if they have any
: recourse way to ask you to pay back the "borrowed" money when you terminate
: your employment and live overseas.
|
g***u
发帖数: 389 | 11 thx
distribution
required
tax
【在 f*******n 的大作中提到】
: If you leave the employment, you must pay back the loan within 60 days. If
: you default on your loan the amount you default will count as a distribution
: . A distribution is taxable and might also have a penalty. You are required
: to file and pay taxes on it. If you don't pay taxes you owe then that is tax
: evasion. You do not want to find out what "recourse" the U.S. government
: has when you refuse to pay taxes.
:
: of
: any
: terminate
|
