我的401K特别乱，主要我的奖金老是变化，但我懒得去换contribution。我这么猜答案

我的401K在Fidelity有一个累积表格，列出不同的%，比如 before-tax 60%，after-tax 30%， company match 10%。他们给你钱的时候扣税，公式可能是这样：

比如设定每个月拿5000，无形说 after-tax traditional 增值部分交，假设那年总增值10%，那应该是：5000 x 10%  x 30%  x 0.24 （我的税率）+ 5000 x 60% x 0.24，一共税 $756, 拿到的现金是$4244。

Roth，本金增值都不要交。

下面柠檬说：Top tax rate is 24%, not the effective tax rate，我还没明白这句话的意思。

 

• Pre-Tax (Traditional) 401(k):
       Contributions made with pre-tax income will result in a tax deduction for
       the amount contributed. Contributions are not counted as income, and they
       will lower your tax bill come April. When you contribute pre-tax, you are
       allowing your assets to grow on a tax-deferred basis. By the time you
       retire and begin to pull money out of your account, every dollar withdrawn
       (including the growth) is taxable as ordinary income.


• After-Tax (Roth) 401(k): Roth
       contributions are the opposite of pre-tax contributions. While this option
       may not have been widely available in the past, many retirement plans now
       offer it. When you contribute to these accounts, you won’t receive a tax
       break, but all growth and qualified¹ future withdrawals are tax-free. Because you
       already paid taxes on this money when you contributed to the account, you
       won’t be taxed on this money when you withdraw it in the future

 

所有跟帖： 

• 我猜他的意思是，if the traditional IRA is tax deductible, it may bring y -随雨无形- ♀ (58 bytes) () 03/29/2018 postreply 11:21:33

• 真的乱，应该是这样把，从一月份开始你算算，每个月放多少，放到最高额度就别放了。 -goingplace- ♀ (45 bytes) () 03/29/2018 postreply 11:30:42

• 比如年头上发奖金后，那你就提前存完了。 -goingplace- ♀ (0 bytes) () 03/29/2018 postreply 11:32:33

• :) 我这3-4年刚刚开始学习管钱~以后知道了～～ -慧惠- ♀ (0 bytes) () 03/29/2018 postreply 11:47:30

• 你没用心，这些对你来说太容易了。 -goingplace- ♀ (0 bytes) () 03/29/2018 postreply 13:17:32