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相对于传统IRA(Traditional IRA),Roth IRA由于其盈利免税,宽松的收入要求和相对较高的支取(withdraw or distribution)自由度等优点,更成为大多数人的首选。如果资金有限,一般情况下的投资顺序应该是: *401K/403b计划。投入百分比应至少到雇主匹配(match)的部分,免费午餐何乐而不为?:) *Roth IRA 或Traditional IRA ...
Since you can easily convert your 401(k)/403(b) to a Traditional IRA after you separate from your employer, it is just one extra step to get your 401(k)/403(b) money into a Roth IRA using the tax-free method described above. What if You Earn Too Little or Too Much? The upfront...
Difference between Roth 403(b) and Roth IRA Plans The Roth 403(b) is essentially a hybrid combining some features of a traditional 403(b) plan with some features of a Roth IRA. Roth IRA plans are self-established without any employer involvement or connection. Roth IRA investors must meet ...
If you own a traditional IRA or other non-Roth IRA, or have an old workplace retirement plan such as a 401(k), 403(b), or 457(b), you can pay taxes on your account to move your savings to a Roth IRA, letting you enjoy the potential for future tax-free growth. ...
Second, after-tax money also could end up in your traditional IRA from rollovers from employer plans, such as qualified plans and 403(b) arrangements, as some of these plans allow both pretax and after-tax contributions. Third, the earnings that you have built up in your traditional IRA...
You may also be able to do a rollover of a 401(k), 403(b) or other employer-sponsored retirement fund to a Roth if you are no longer working for the company, but as with the traditional-IRA-to-Roth rollover, you’re likely to trigger a tax bill here, too, unless you’re startin...
Retire Rich With Your Roth IRA, Roth 401k, And Roth 403bMartha Maeda
(k) or 403(b). Even if you don’t save in your workplace account, the mere fact that you have the option to can impact how much of your traditional IRA contribution the IRS lets you deduct once you reach certain income levels. (See the deduction tables below to see how you might ...
Many 401(k)’s and 403(b)’s come with the same “No-Roth IRA Rollover” option. This option was supposed to be mandatory in 2010, but some still do it on a voluntary basis.At the end of the day, this means you should explore this option thoroughly before automatically assuming it ...