Traditional IRA vs. Roth IRA

来源: 2018-12-27 10:54:11 [] [博客] [旧帖] [给我悄悄话] 本文已被阅读: 0 次 (1324 bytes)
本文内容已被 [ 柠檬椰子汁 ] 在 2018-12-27 11:09:10 编辑过。如有问题,请报告版主或论坛管理删除.

There are only two types of retirement savings, one is ROTH IRA where you pay the tax now, or 401K and Traditional IRA, when you pay your tax when you withdraw later.  If now and later tax rate are the same, it makes no difference if you put your money in ROTH IRA or Traditional IRA. 

However, if Tax rate now is > than tax rate later, it's advantagous to save using 401K or Tradiontal IRA.

If tax rate now is < than tax rate later, it's advantagous to save using ROTH IRA.

If you understand the above, here is the key infomration:  Trump tax cut is effective from 2018-2025, after 2025 the tax rate is going back to pre-2018 level. 

Assuming your income is same in 2018 and 2038, and you will withdraw from your IRA in 2038. 

If you invest in Roth IRA, you pay your tax in 2018, let's say it's 22% now. 

If you invest in Tradtional IRA or 401K, you don't pay your tax in 2018, but you pay tax in 2038 when you withdraw.  Is it still 22%? 

No, why?  Because in 2018-2025 due to trump tax cut, the tax rate is lower.  In 2038, the tax rate would be back to pre-2018 level, and your tax rate might be going back to 25%.

 

所有跟帖: 

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- 给 Tendy 发送悄悄话 Tendy 的博客首页 Tendy 的个人群组 (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- 给 柠檬椰子汁 发送悄悄话 柠檬椰子汁 的博客首页 柠檬椰子汁 的个人群组 (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- 给 Tendy 发送悄悄话 Tendy 的博客首页 Tendy 的个人群组 (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- 给 柠檬椰子汁 发送悄悄话 柠檬椰子汁 的博客首页 柠檬椰子汁 的个人群组 (0 bytes) () 12/27/2018 postreply 18:48:43

我还是感到很有帮助的。 -Tendy- 给 Tendy 发送悄悄话 Tendy 的博客首页 Tendy 的个人群组 (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- 给 若拙 发送悄悄话 若拙 的个人群组 (0 bytes) () 12/27/2018 postreply 19:10:36

Not worth it -柠檬椰子汁- 给 柠檬椰子汁 发送悄悄话 柠檬椰子汁 的博客首页 柠檬椰子汁 的个人群组 (2937 bytes) () 12/28/2018 postreply 06:08:16

谢谢柠檬! -若拙- 给 若拙 发送悄悄话 若拙 的个人群组 (0 bytes) () 12/28/2018 postreply 08:39:45

Not worth it -柠檬椰子汁- 给 柠檬椰子汁 发送悄悄话 柠檬椰子汁 的博客首页 柠檬椰子汁 的个人群组 (2937 bytes) () 12/28/2018 postreply 06:08:16

加跟帖:

当前帖子已经过期归档,不能加跟帖!
回到顶部