非盈利组织,例如学校会提供类似的福利,叫做403b plan。IRA的话任何有收入 (earned income) 的个人都可以开立IRA账户。这两种账户又根据交税时间点不同分为Tranditional和Roth两种。根据个人的收入税收情况选择合适的退休金账户是制定退休计划时的重要考虑因素。 ROTH IRA 主要特点如下: 放入ROTH IRA的钱是
Retire Rich With Your Roth IRA, Roth 401k, And Roth 403bMartha Maeda
Using our IRA calculator, you can compare your options between a Traditional or Roth IRA. Adjust the values accordingly to help plan your retirement strategy.
2. 將舊的401K帳戶 Rollover into a Roth IRA and pay income taxes on the money (unless your are 59.5 and still working, you have option to pay taxes now or later). Two other factors may call for keeping a 401(k). A 401(k) plan has stronger creditor protection than an IRA. And a ...
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小编今天主要针对最常见的HSA, 401K, Roth 401K, IRA, Roth IRA这些账户来谈一谈自己的看法。 HSA HSA是Health Savings Account的缩写。如果你的公司有high deductible health plan(HDHP)的保险,而且你选择这个保险,那么你就会有一个HSA的账户。公司通常用补贴的方式来吸引员工选这个保险,比如小编的雇主就给600美元...
It will make my required distributions smaller from my IRA and of course then the amounts in my ROTH IRA will grow tax free. By just doing a portion I will not pay too much in taxes for the next 3 yrs. Is this a good plan or am I missing something? Reply B Apr 9, 2012 at...
that require little hassle, but it also makes your Roth IRA bigger. If the tax-deferred IRA is large, you probably don't want to pay the tax bill on that. So you should roll it over into your employer's 401(k) or 403(b) or your own individual 401(k). Don't have a 401(k)...
I plan to put my kids to work at some point, pay them the Roth IRA contribution limit,teach them about online entrepreneurship, and also teach them about the importance of saving and investing for the future. Being able to pay 0% tax to contribute to a Roth IRA and then withdraw the ...
Can I contribute to a Traditional IRA, even if I have a work retirement plan?Yes, it doesn’t matter if you have a 401k or 403b or whatever. The question is whether it is tax-deductible. Remember, when money is withdrawn from a Traditional IRA, it is taxed again at ordinary income ...