2023快乐!新年第一支视频来讲投资 -- 美国退休金大扫盲,新的一年,大家可以根据上限把自己的养老金比例调整好。希望这个视频能讲清楚这几个问题:一张图,几句话概括traditional,Roth,401k,IRA -- 401k,IRA,pretax,aftertax是什么。一张表概括怎么取,怎么交税如何投钱,可以投多少钱?mega backdoor,backdoor怎么做...
大家应该已经发现,After tax 401k的投资收益在取的时候是要交税的,假设税率不变的话似乎没有任何好处,还多了提前取的罚金。但如果结合convert to Roth IRA,那就不一样了。 🚪 很多公司提供mega backdoor,就是你存的after tax可以实时或者定期转入Roth IRA,这是最简单的把钱存入Roth IRA的方法。如果你公司不提...
第一步与前者相同,第二步的目的地变成了Roth 401(k),这是一种in-plan Roth rollover(同一个401(k) plan中向Roth 账户进行的rollover)。若401(k) plan允许after-tax 401(k)进行in service distribution,那么第二步中进入Roth 401(k)中的资金会被标记为otherwise distributable amount(相应的Roth 401(k) elec...
“Making after-tax contributions into your 401(k) to be later rolled over into a Roth IRA would be a great strategy for you to put more money away now so you can maximize a tax-efficient retirement bucket later.” - David Britton, Senior Wealth Planner, U.S. Bank Private Wealth Managem...
plans may permit the mega backdoor roth to be done within the 401(k) too, rolling after-tax contributions into a roth 401(k) . the drawbacks of after-tax 401(k) contributions if you find it difficult to meet the $23,000 contribution limit in your 401(k), it could be hard t...
Roth IRA (subject to income limits; after-tax retirement savings) Comparing investment options after maxing out a 401(k) or 403(b) The investment options after maxing out your 401(k) have varying tax advantages. Contrary to popular opinion, investors shouldn’t always contribute the maximum amo...
Leave your 401(k) with your old employer.This can be an easy short-term option. Your old employer is obligated to continue managing the money and provide communications just as they have in the past. You can change your mind later and transfer your 401k to your new employer or a di...
Your tax bill isn't chiseled in stone at the end of the year. Here are 10 tax tips and steps you can take after January 1 to help you lower your taxes, save money when preparing your tax return, and avoid tax penalties.
The 401(k) is one of the largest retirement platforms in America, and for good reason. It allows you to invest your hard-earned salary tax-free upfront. Then, you pay taxes as you take money out in retirement. These tax benefits cause a compound effect. It allows you to plow more mo...
As a trusted advisor, you have an opportunity to clarify what happens to this money when it's withdrawn. A high-level review of401(k) taxationand suggesting strategies for RMD funds, like putting them in aRoth IRA to grow tax-free, can go a long way toward easing your client's concern...