从SEP-IRA 和 401（K) 借钱

来源: 古石于 2011-01-06 21:45:54 [档案] [博客] [旧帖] [给我悄悄话] 本文已被阅读：次 (1377 bytes)

本文内容已被 [ 古石 ] 在 2011-01-07 08:41:38 编辑过。如有问题，请报告版主或论坛管理删除.

古石又想凑份子了。

在网上查了查，发现好象SEP-IRA 可以转 “个人”401（K), 然后从“个人”401（K)借 5万美金出来。

“Individual 401k loans are permitted up to 50% of the total 401k value with a $50,000 maximum.”

“It is important to note that you can set up a SEP IRA and convert to an Individual 401k in the future if you change your mind and either want to receive an Individual 401k loan or if you want to contribute more than the calculations of a SEP IRA will allow. Converting from a SEP IRA to an Individual 401k and transferring retirement assets from a SEP IRA to a new Individual 401k can be accomplished by completing some minor administrative paper work.”

http://www.sepira.com/sep_ira/sep-or-401k.htm

但转完后，“个人”401（K)的管理费可能会贵一些。看样子要研究一下了。

另外从“公司”401（K)也能借5万美金出来。

http://beginnersinvest.about.com/od/401k/a/aa122104a_3.htm

两项一加，应该可以凑出10万来。

“小白菜呀，地里黄呀，三两岁上，没了娘啊，。。。。”

有了这些钱，就可以帮助小白菜了。