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
1)Pre-tax 401k:pre-tax contribution,拿出时候contribution和growth都交税,提前拿出的话tax+10% penalty 2)After-tax 401k:after-tax contribution,拿出时候contribution不交税,growth交税,提前拿出的话tax+10% penalty 3)Roth 401k:after-tax contribution,拿出时候contribution和growth都不交税,提前拿出的话tax+10% p...
401(k) plan的elective deferral在2006年以前完全是pre-tax。2001年的法案为elective deferral提供了Roth选项:从2006年起,401(k) plan允许参与者指定一部分elective deferral为after-tax,存入的after-tax金额即为参与者的designated Roth contribution。与pre-tax 401(k)一样,雇主可根据员工的设定,从每期的paycheck中...
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...
Savings into a 401(k) are invested using pre-tax dollars. The money going into the 401(k) is not taxed, it then grows tax-free, and taxes are paid on the withdrawals made in retirement. However, a ROTH 401(k) acts just like a ROTH IRA. The investment is made withafter-taxdollars...
If your 401(k) plan was a Roth account, then it can only be rolled over to a Roth IRA. The rollover process is straightforward. The transferred funds have the same tax basis, composed of after-tax dollars. This is not, to use IRS parlance, a taxable event.4 ...
Roth IRA vs. 401k Brokerage Account vs. Roth IRA: Understanding the Differences How Does a Roth IRA Grow Over Time What Do I Need to Set Up a Roth IRA? What Fees Do You Pay in a Roth IRA? Is My IRA or Roth IRA FDIC-Insured?
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)...
"Both Roth IRAs and Roth 401(k)s are funded with after-tax dollars—meaning there's no upfront tax benefit for contributing—but once you get to retirement, you can withdraw the contributions and earnings totally tax-free1," said Hayden Adams, CPA, CFP®, director of tax and financial...
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...