g***l
发帖数: 352 | 1 It seems that if I put $4000 into my "Traditional IRA" account, I can save $600 tax.
Thanks. |
f*******n
发帖数: 12623 | 2 It's not just what money you save now, but also what money you can save
later.
$600 tax for $4000 means you are in the 15% tax bracket. Your tax rate will
probably be higher in the future. In this case you should consider putting
money into a Roth IRA instead. You don't save tax now but you won't pay tax
on the money and earnings later. |
S*********s
发帖数: 1963 | 3 U misunderstood it. It is not saving tax. It is deferring tax instead.
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【在 g***l 的大作中提到】
: It seems that if I put $4000 into my "Traditional IRA" account, I can save $600 tax.
: Thanks.
|
g***l
发帖数: 352 | 4 I still do not understand.
For the $4000, I have three options:
1. Leave it in my bank account.
2. Put it into my "Traditional IRA" account to save $600 tax for 2011 tax
return.
3. Put it into my "Roth IRA" account. It does not save tax for 2011 tax
return. Will it save tax for future?
Which is the best option for me? Thanks.
will
tax
【在 f*******n 的大作中提到】
: It's not just what money you save now, but also what money you can save
: later.
: $600 tax for $4000 means you are in the 15% tax bracket. Your tax rate will
: probably be higher in the future. In this case you should consider putting
: money into a Roth IRA instead. You don't save tax now but you won't pay tax
: on the money and earnings later.
|
U********S
发帖数: 1896 | 5
减去600税，剩3400。
目前省600税，但目前15%是低税率到退休时候的税率增加比如25%，而且这4000的增值
部分也要交同样的税。
放入ROTH的和1一样只有2400，但退休的时候包括增值的部分不用再交税。
所以税率低的时候先交税放ROTH比较合理。除非缺钱用或者有更好的投资渠道否则1不
是好的选择。
【在 g***l 的大作中提到】
: I still do not understand.
: For the $4000, I have three options:
: 1. Leave it in my bank account.
: 2. Put it into my "Traditional IRA" account to save $600 tax for 2011 tax
: return.
: 3. Put it into my "Roth IRA" account. It does not save tax for 2011 tax
: return. Will it save tax for future?
: Which is the best option for me? Thanks.
:
: will
|
g***l
发帖数: 352 | 6 谢谢。退休后，没有收入，tax rate还能高于15%吗？是不是还应该考虑inflation?现在的$600,到退休后应该等价更大的值.
【在 U********S 的大作中提到】
:
: 减去600税，剩3400。
: 目前省600税，但目前15%是低税率到退休时候的税率增加比如25%，而且这4000的增值
: 部分也要交同样的税。
: 放入ROTH的和1一样只有2400，但退休的时候包括增值的部分不用再交税。
: 所以税率低的时候先交税放ROTH比较合理。除非缺钱用或者有更好的投资渠道否则1不
: 是好的选择。
|
S**I
发帖数: 15689 | 7 没人能知道退休时的税率是多少
现在的$600,到退休后应该等价更大的值.
【在 g***l 的大作中提到】
: 谢谢。退休后，没有收入，tax rate还能高于15%吗？是不是还应该考虑inflation?现在的$600,到退休后应该等价更大的值.
|
U********S
发帖数: 1896 | 8
不一定，单位没有401/403？pension？social security, ... 还是有可能超过15%的。
ROTH的话增值部分也不用交税。
是不是还应该考虑inflation?现在的$600,到退休后应该等价更大的值.
除非现在花掉或者有更好的投资方向，钱拿在手上也有inflation问题，所以inflation
和讨论的问题无关。
【在 g***l 的大作中提到】
: 谢谢。退休后，没有收入，tax rate还能高于15%吗？是不是还应该考虑inflation?现在的$600,到退休后应该等价更大的值.
|
