Two points to consider

1.  Roth IRA doesn't have mandatory withdrawal at 70 1/2 

In 401k and traditional IRA there is a mandatory withdraw rule at 70 1/2 years old.  No such rule in Roth IRA so you can keep the money longer. 

This is particularly true for high savers such as Chinese people. 

2. tax rate advantage. 

from 2018 to 2025, for eight years, income tax rate is lowered by the trump tax cut.  After 2025 the tax cut expires.  So from 2018 to 2025 is a good time to load up on Roth IRA because tax rate will go up in the future. 

所有跟帖： 

• 柠兄：I still don't understand the point 2. the money on Roth IRA -Tendy- ♂ (105 bytes) () 12/27/2018 postreply 09:43:00

• Traditional IRA vs. Roth IRA -柠檬椰子汁- ♂ (1324 bytes) () 12/27/2018 postreply 10:54:11

• 讲得很清楚，那么如果我在五年内退休了，我的税rate 那时要低很多了， 我当然可以去开个Roth IRA , 到时候把401， -Tendy- ♂ (173 bytes) () 12/27/2018 postreply 14:35:07

• Roth IRA在2018－2025年肯定有好处，2025年以后如果你不工作了，那么我们的讨论也没有了。 -柠檬椰子汁- ♂ (18613 bytes) () 12/27/2018 postreply 16:02:00

• 可401K 要转Roth IRA 要先扣税的吧？ 那我得想想看。我比你想象的要老， 2025年肯定不工作了。 -Tendy- ♂ (0 bytes) () 12/27/2018 postreply 17:44:11

• 过了59.5考虑就不太一样，我无法给予帮助 -柠檬椰子汁- ♂ (0 bytes) () 12/27/2018 postreply 18:48:43

• 我还是感到很有帮助的。 -Tendy- ♂ (0 bytes) () 12/28/2018 postreply 11:59:21

• 借问柠檬，现在401K换Roth 401K值吗？现在税率24% -若拙- ♀ (0 bytes) () 12/27/2018 postreply 19:10:36

• Not worth it -柠檬椰子汁- ♂ (2937 bytes) () 12/28/2018 postreply 06:08:16

• 谢谢柠檬！ -若拙- ♀ (0 bytes) () 12/28/2018 postreply 08:39:45

• Not worth it -柠檬椰子汁- ♂ (2937 bytes) () 12/28/2018 postreply 06:08:16