2024-12-1601:12 关注401K Max,30年惊人财富! 💼 如果你只是每年Max out 401K,加上公司的匹配资金,不做其他投资,30年后你的财富积累将会非常惊人。假设利率为10%(参考S&P500),即使不考虑通货膨胀和税务问题,最终结果也可能达到500万以上。📈 如果每年再投入一些资金到Roth、HSA或Brokerage等账户,对于普通中产...
🌟 After-tax 401K:存入金额和投资收益按当前所得税率征税,但可以通过Mega Backdoor转入Roth IRA或Roth IPC,适合存入比普通401K limit更多的Roth。✅ 2023年401K Max限额 Pre-tax 401K + Roth 401K限额:$22500 Total 401K员工+雇主限额:$66000⬆️ 举例:小A年薪200K,公司match 4% Pre-tax 401K 或Roth ...
However, if you plan to do good after death, then you will be more motivated to max out your 401(k) and build as many passive income streams as possible. This way, you can ensure your legacy lasts long after you are gone. The latest401k balances by generationare pretty pathetic. Person...
The total 401(k) retirement contribution limit (employee elective deferrals + employer contributions) has been raised from $66,000 to $69,000 in 2024. Catch-up contribution limits for individuals age 50 and older have stayed at $7,500 (same as 2023). Max Eligible Plan Compensation The limit...
2024 & 2025 Solo 401K (Individual 401K, i401K, or 1-participant 401K) overview: max contribution amounts, limits, eligibility, & calculators.
If we are able to max it out, it means we don’t have a ton of other expenses to worry about (like hospital bills). In 2024 we plan on once again investing as much as we can in the company-sponsored 401(k), before investing in taxable investments. ...
不过,你可以随时取出本金(非增长部分),但转换为Roth后不一定能免罚取出。很多人会通过Mega Backdoor Roth 401k/IRA(Max out 前两者的23,000后)将After-tax转换为Roth,这样增长部分就不需要交税了。不过,Mega Backdoor Roth适用于收入高于一定数量的人群,且所有贡献不能超过69,000元。 个人建议...
What is the max employer contribution to a 401k? How much does a 401k contribution reduce taxes? How do you calculate a Roth IRA contribution? How do you figure out the 401k to Roth IRA tax rate? What is the Roth 401k 5-year rule? Are there required minimum distributions (RMDs) on a...
前三年没有Max Out. 只存了公司match的百分比。💰不过,现在的我有了明确的目标: 每年Max Out 每月定投,发了工资直接强制储蓄到401k里 拿到公司所有的match 实时关注公司对401k的改变。包括加入了哪些基金,match变没变化。 是长期投资,退休账户,短期的波动不要太在意,心态是当买入打折货了。
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