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 Contributions: The primary advantage of pre-tax contributions is that they lower your taxable income in the current year, which can reduce the amount of taxes you owe. If an investor is in the 24% tax bracket and contributes $18,000 to their 401(k), their taxable income will ...
Traditional IRA:Contributions to a traditional IRA may be deductible from your taxes, thus reducing your taxable income for the year. The deduction amount is based on your income, tax filing status, and whether you (or a spouse, if filing jointly) have access to aworkplace retirement plan su...
Bankrate’s 401(k) calculator can also help you figure out which plan makes the most financial sense for you.When the Roth 401(k) is betterHere’s when the Roth is probably a better option:You’re young and in a low tax bracket
The Roth/Pretax Decision in Late Career Years: The Increasing Importance of Accumulated Assets in Light of the SECURE ActYoung, RogerJournal of Financial Planning
Which One is Better? – The Tax Implications Are there times when a Roth IRA will be better than a traditional IRA, or vice versa? Absolutely! However, to truly answer that question, you have to look at your personal financial situation and determine two very important things: ...
Which is Better, Traditional or Roth IRA? Factors to Consider Which Is Better? Traditionaland Roth IRAs have tax advantages that make them good options for your retirement investments. The main difference between them is how and when you pay taxes on them. A traditional IRA is a tax-deferred...
Here's how to decide which one works best for you. The difference between Roth and traditional IRAs The main difference between a Roth IRA and a traditional IRA is how and when you get a tax break. Contributions to traditional IRAs are tax-deductible, but withdrawals in retirement are ...
Traditional IRA contributions are made with pre-tax dollars—money on which you haven't paid taxes yet. These contributions reduce your taxable income for the year in which you make them. You pay taxes on contributions and earnings when you withdraw the money. On the other hand, Roth IRA co...
Part of the Series Is the Roth 401(k) Right for You? Roth 401(k) vs. Roth IRA: An Overview There is no one-size-fits-all answer as to which is better, a Roth 401(k) or a Roth individual retirement account (IRA). It all depends on your unique financial profile: how old ...