在今天的视频中,我们将深入探讨一下备受欢迎的退休计划之间的差异。我们将比较和对比两种主流的退休账户选项:401k和Roth IRA。, 视频播放量 76、弹幕量 0、点赞数 1、投硬币枚数 0、收藏人数 0、转发人数 0, 视频作者 drwang_investing, 作者简介 投资创业经历分享,北大
6️⃣ 退休提取规定:在2023年及以前,Roth 401k有Required Minimum Distributions(RMDs),即退休后每年必须提取一定数额的资金。而Roth IRA没有这个规定。7️⃣ 贷款和rollover:Roth 401k允许贷款,最高不超过账户余额的一半或5万美元(取较小值)。而Roth IRA不能直接贷款,但可以通过rollover争取一个60天的无息...
Unlike Roth 401(k)s, Roth IRAs don’t allow loans but do permit a Roth IRA rollover. During this period, you have 60 days to move your money from one account to another. As long as you return that money to it or another Roth IRA in that time frame, you are effectively getting a...
只要当年的AGI(adjusted gross income)符合规定,401K与IRA/Roth IRA可同时开立存在,并做移转(rollover)。IRA与Roth IRA也可同时存在,但两个户头中每年存放进去的钱不可超过单个户头的限额,亦即$5,500(50岁以下)或$6,500(50岁以上)。同理, 401K和Roth 401K也可同时存在,但两个户头中每年存放进去的前不可...
Roth IRA因为增值免税,适合配置高成长类型的投资。pretax 401k取钱要交税,之后开始配国债可以放里面。并且有机会就做Roth Conversion。接下来聊聊具体的配比思路: 主要以index fund投大盘为主,增加配置一些自己看好的科技类股票。都以持有5-10年以上为目标,不做短期波动。
(K). Don’t be fooled, required minimum distributions are required from ROTH 401(K) assets. Of course, if you are no longer working for an employer, you can rollover your ROTH 401(K) to a ROTH IRA (discuss the pros and cons with yourfiduciary financial planner) and no longer be ...
简单来说就是:往After-tax 401K存钱,然后把这部分钱rollover到Roth IRA。实际情况需要根据公司情况对待,因为这个rollover是需要公司支持,有的公司不支持在职rollover,只能离职的时候rollover。也有的公司虽然不支持在职rollover from After-tax 401K to Roth IRA,但支持After-tax 401k rollover 到Roth 401K,并且支持在...
*Contributions to an IRA for 2023 can be made up to April 15, 2024. Source: IRS.govGoing from one to the otherThere's one other type of IRA you may hear about: the rollover IRA. A rollover IRA is used, for example, when you want to move money from a 401(k) at a former job...
401(k) Rollover and Transfer IRA* Consolidate existing 401(k)s and IRAs into one easy-to-manage account with a 401(k) Rollover or Transfer IRA. Move Your 401(k)s or IRAs Other Options for Your 401(k) Is a 401(k) Rollover or Transfer IRA right for me? If you’ve changed jobs...
Eligibility You can roll over a 401k to a Roth IRA if you have left the employer sponsoring the 401k and are no longer contributing to the plan. Some plans also allow in-service rollovers, but it’s best to check with your plan administrator for details. Taxes When you roll over a 401...