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...
Pre-tax: 收入不交税,defer - tax在提取的时候根据提取时的税率缴纳所得税。 Roth: 收入在存入的时候缴纳所得税。无论是本金还是收益,提取时,都不需要缴纳所得税。 一般而言,Roth和Pre-tax的额度是共享的。比如IRA账号,一年的额度是$6000, 如果Pre-tax(regular IRA)全占了,那么你就没有任何的额度继续存Roth...
Pre-tax accounts include: Traditional IRAs 401(k) plans Pensions Profit-sharing accounts 457 plans 403(b) plans You may be able to choose from many different types of investments within these accounts, such as: CDs Annuities (fixed, variable, or immediate) Mutual funds Stocks Bonds Note No...
This is in contrast to both after-tax contributions and Roth contributions. Several tax-advantaged accounts allow pretax contributions, including traditional (not Roth)401(k)sandindividual retirement accounts (IRAs), as well as403(b)and457plans. Key Takeaways Pretax contributions are designed to e...
The Roth/Pretax Decision in Late Career Years: The Increasing Importance of Accumulated Assets in Light of the SECURE ActYoung, RogerJournal of Financial Planning
Discover what pre-tax deductions and pre-tax contributions are. Explore their types, compliance requirements, and their impact on employers.
“An asset allocation strategy means accounts will have different investments based on growth characteristics and tax implications. For instance, putting high-growth assets in a Roth IRA makes more sense than a pretax...
“An asset allocation strategy means accounts will have different investments based on growth characteristics and tax implications. For instance, putting high-growth assets in a Roth IRA makes more sense than a preta...