有401K，仍然可以存Tra-IRA，除非收入很高或很低。

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits

Can I contribute to an IRA if I participate in a retirement plan at work?

You can contribute to a traditional or Roth IRA whether or not you participate in another retirement plan through your employer or business. However, you might not be able to deduct all of your traditional IRA contributions if you or your spouse participates in another retirement plan at work. Roth IRA contributions might be limited if your income exceeds a certain level.

所有跟帖： 

• 增值的部分是tax deferred. -vest2005- ♀ (0 bytes) () 11/28/2016 postreply 11:59:21

• 额角头高！：） -vest2005- ♀ (0 bytes) () 11/28/2016 postreply 12:03:28

• 说啥呢？我理解Roth 的好处就是放进的钱已经是稅后的。今后有增值也不要交税 -螺丝螺帽- ♀ (38 bytes) () 11/28/2016 postreply 12:29:12

• 噢 -螺丝螺帽- ♀ (167 bytes) () 11/28/2016 postreply 12:48:09

• 她在说traditional IRA. 因为她已经说了她没资格放Roth. -vest2005- ♀ (301 bytes) () 11/28/2016 postreply 12:54:27

• 谢谢！一直想知道。 -螺丝螺帽- ♀ (0 bytes) () 11/28/2016 postreply 13:00:05

• 狗了一下，看这个。 -vest2005- ♀ (250 bytes) () 11/28/2016 postreply 13:17:37

• 谢谢！ -螺丝螺帽- ♀ (0 bytes) () 11/28/2016 postreply 13:31:21