1,传统IRA是税前的,可用来抵税,ROTH IRA是税后的钱,不能用于抵税; 2,传统IRA拿出来时要交税,ROTH IRA拿出来不用交税;3,传统IRA到70岁半时则必须往外拿钱,而ROTH IRA则无此规定,并且只要有工作收入,70岁半以后仍可往ROTH IRA中放钱。 那很多朋友就会疑惑,那我手里的钱到底是买传统IRA好还是Roth IRA好?其实开设什
传统IRA： 税收优惠：存入的资金在满足一定条件下可以用于抵税，即当前可以获得税收减免。 提取税收：提取时需缴纳所得税，且需在70岁半开始提取，否则将面临罚款。 适合人群：适用于预计未来税率较低或当前收入较高希望获得即时税收减免的人群。ROTH IRA： 税后存款：存入的资金是税后的，但增值部分无需...
WithRoth IRAs,it works the other way around. You contribute after-tax funds to a Roth IRA. When you withdraw from your Roth IRA account in retirement, however, you can do so tax-free. Basically, McBride says, you will pay taxes one way or the other. With Traditional IRAs, you pay la...
【美国退休账户IRA和ROTH IRA哪个更好?】只要你和配偶的收入都没有超过上限(请看上一视频),在#美国#居住的小伙伴们都应该考虑配置IRA账户,来作为养老金的配置!至于那一类更适合你,请看视频。没有工作的太太其实也很应该开设IRA—因为现在没有收入来源,更应该尽早为养老做规划!退休账户可以投资基金股票,定存,年金...
Paul receives no tax breaks for his Roth IRA contributions, so he pays $30,000 in taxes on his Roth IRA contributions. But since he doesn't pay taxes when he withdraws the money, his tax bill stays at the $30,000 paid in the past. ...
Traditional IRA vs. Roth IRA: An Overview Understanding the differences between a Roth IRA and a traditional IRA can help you decide which is better for you. A key difference between these twoindividual retirement accounts (IRAs)is when you pay taxes on contributions and earnings. ...
Roth IRA是存款时先交个人所得税(存款金额不可抵税),领出时则无需再交税(投资利得也无需缴税)。 ●每年存入上限:2018年存入上限是50岁以下$5,500,50岁以上$6,500(每年会根据通膨调整)。●参加资格:无年龄限制,但有收入限制:2018年个人年收入超过$135,000或家庭年收入超过$199,000者不能申请Roth IRA。●...
June Sham is a lead writer on NerdWallet's investing and taxes team covering retirement and personal finance. See full bio. On this page The key difference between Roth and traditional IRAs Roth IRA vs. traditional IRA: Which one should you choose? Benefits of a Roth IRA: Why it works...
Understand your Roth and traditional IRA eligibility, contribution limits, and tax deductions. Explore now Don't forget these important steps Now that you've compared and picked an IRA, follow these steps to get your retirement savings moving. Open an account Open a Roth IRA Open a Traditional...
可以放的Roth的额度和IRA一模一样。不过如果你放满了IRA就不能放Roth了,IRA和Roth IRA两个加起来的金额总数不要超过表格里面的数,超过了会有罚款喔。 还是以MFJ为例,如果收入超过$206k的话,都不可以放Roth,如果低于$196k,两个人都可以放满Roth。经常碰到一些朋友,年初就放了Roth,发现到了年底的时候,收入超...