第一步是把钱存进 After-tax 401(k)。注意到 Traditional+Roth 401(k) 的限额是 $19,500,而所有部分的401(k)限额是 $58,000(2021年),因此可以充 After-tax 401(k) 的金额是:$58,000 减去(Traditional+Roth 401(k) 的充值之和)减去 雇主match部分。 第二部是联系你的401(k)券商做 in-service d...
401(k) plan的elective deferral在2006年以前完全是pre-tax。2001年的法案為elective deferral提供了Roth選項:從2006年起,401(k) plan允許參與者指定一部分elective deferral為after-tax,存入的after-tax金額即為參與者的designated Roth contribution。與pre-tax 401(k)一樣,僱主可根據員工的設定,從每期的paycheck中...
What Is a Roth 401k vs a 401k? Roth 401k A Roth 401k is an employer-sponsored retirement savings account funded with after-tax dollars. The process: Your salary is calculated. You’re taxed on your earnings. Andthen(after your taxes are withdrawn), your desired contribution is put into yo...
IRAvs. Roth IRA的概念,其实和401Kvs. Roth 401K是类似的。IRA和Roth IRA都是个人退休账户,IRA可以理解为存款可以抵税(但是实际上远比这个复杂), 也就是说存的钱是before tax money,退休了取出来(distribution)的时候是要交税的; Roth IRA则一定是用税后的钱(after tax money)去存,增长也不用交税。Roth IRA...
1)401K Pre-Tax 拉满 只要公司提供401K,就别浪费额度,能扣满就扣满。 税前存入,不仅当年立减应税收入,还能滚利复利增值。退休后取出再交税,通常税率也可能会比现在低。 2)Mega Backdoor Roth 401K(高收入家庭专属) 如果你的工资已经超过Roth IRA的直接贡献门槛,且公司允许 after-tax 401K + in-plan Roth ...
Contributions to a Roth 401(k) can hit your budget harder today because an after-tax contribution takes a bigger bite out of your paycheck than a pretax contribution to a traditional 401(k). One way to decide: Think about your tax rates now vs. later If your tax rate is low now and...
Like everything tax related, specific situations and details matter. So let’s walk through the factors that can help you decide whether a Roth 401(k) will make sense in your situation. By the way, in general, you should only maximize your retirement savings after you have enough liquidity...
I have both traditional 401k and Roth 401k amounts sitting in my prior employer’s plan (vanguard). Left that employer a couple of years ago. I’m planning on doing the backdoor $6500 for each of 2022 and 2023 soon – after these are done, can I rollover my existing Roth 401k (~5k...
Both the Roth 401(k) plans and the Roth IRA plans use after-tax dollars, meaning that the owner does not have to pay income taxes when they receive distributions, making this advantageous to those who expect to earn more money later in life. However, there are several key distinctions betw...
请注意,这个收入限制仅针对Roth IRA,与Roth 401k无关。 Roth IRA没有抵税优惠,但取款(包括收益)免税。 🟢 “Backdoor Roth IRA” 这是一种通过向传统IRA缴纳未抵税的贡献,然后将该余额转换为Roth IRA的方法。这需要after-tax的钱,报税时要计入收入(必须在传统IRA中余额为零才能实现,具体搜索pro-rated rule)...