Pre-tax 401(k)是最常见的401(k)计划。80年代开始在美国流行起来,逐步代替企业原来的defined benefit plan。 其运行方式类似于traditional IRA。员工存入税前(pre-tax)工资;雇主提供一定比例的匹配(match)作为激励;退休后在取出时要缴收入税,退休前取出有额外的罚金。可见,401(k)以退休前的资金流动性换取延税优惠。
Retirement savings, like a traditional 401k, which are often matched to an extent by employers While not as tax-advantageous, there are several post-tax deductions employees can voluntarily choose. The most common types are for: Life insurance policies for supplemental coverages or dependents ...
選Roth IRA:若處於職業早期(當前稅率低)、預計稅率上升(如未來升職、稅改),或希望鎖定當前低稅率(如2025年後Trump Tax Cuts可能到期,部分稅率回調)。 收入限制(2023年) Traditional IRA: 若參與僱主退休計劃(如401k),稅務抵扣受MAGI限制(單身73k−73k−83k,夫妻聯合116k−116k−136k)。
Republicans may be planning to slash the amount of pre-tax cash you can put in your 401K — and millennials could actually benefitLauren Lyons Cole
Stock Options, Taxes, Post-IPO How to Get Cash from Your Stock Without Selling at IPO When you work for a startup, IPO is an immensely exciting time. Executives and employees who have been receiving equity compensation may be looking forward to IPO day in anticipation of a big payout. ...
When i received my w-2's, the amount in Box 1 was higher than those in Box 3 and Box 5 by the amount of my contribution to the 401k (or were these the matching portions?) All I know is that now I do not have a 401k, but I have pre-tax as well as post tax insurance ...
Consider prepaying mortgage after maxing out all tax advantaged contributions (401k, IRA, etc.). Reply Beans says November 16, 2010 at 7:07 pm Just to be clear, recasting means that you can put in extra money towards principal and asked the bank to reduce your monthly mortgage payment?
A Roth Conversion strategy may be a very helpful way to generate a tax-efficient legacy for your heirs, while reducing the overall cost.
As always, we’d love to hear from you guys: Have any of you done something similar, and agreed that by leaving your careers, you’re also agreeing not to split up from your partner? Anyone considering doing this? Swayed to do it by this post? Anyone think this is unromantic overkill...
This post is bogus, obviously put on by the banking interests. Orman’s card is good if you need a card to rent a car, or to rent a hotel, or anything that requires the insurance and services that come with a MaterCard. Eventually, the $3/month service fee will be waved if you ...