账户的安全性 - 把401K里的钱转到IRA里的决定对吗

1.      To Perform a Rollover or Not  

I consider this to be the no-brainer aspect. A rollover into an IRA is simply much more valuable for the reasons we discussed. 

2.      Traditional IRA or Roth IRA  

As discussed, the Roth IRA will grow tax-free for life, if you pay the taxes now on the principal. 

3.      Account Type To Utilize 

Advisory: Professionally managed account with an annual fee of 1.7%. This is a nice “set it and forget it” account. 

Rollover Annuity: Tied to the S&P 500 (or another market index) with zero fees. Your rollover amount is guaranteed. In other words, you can’t lose any money in this account. This also comes with a potential ceiling to growth. 

我对他的推荐存疑,就自己网上看了一下。 发现一个关键点,资金的安全性。就是在被债权人讨债或者破产的时候,哪些账户是安全的。,ERISA-qualified的账户包括HSA, 401k, pension, Social security.  但IRA里的钱是不被保护的 . 所以大家在转钱的时候要三思。虽然都有保险伞险啥的,那种被追债的可能性非常非常小,但万一尼?这个考虑对吗? 

所有跟帖: 

甘蔗没有两头甜 -蓬莱阁21- 给 蓬莱阁21 发送悄悄话 蓬莱阁21 的博客首页 (0 bytes) () 02/17/2024 postreply 22:35:15

那应该多,买伞险? -springfun- 给 springfun 发送悄悄话 springfun 的博客首页 (0 bytes) () 02/18/2024 postreply 06:51:47

的确是个考量,不过有几个州还是保护的。 -start2020- 给 start2020 发送悄悄话 start2020 的博客首页 (0 bytes) () 02/18/2024 postreply 07:34:41

投坛有个帖子关于这个 -start2020- 给 start2020 发送悄悄话 start2020 的博客首页 (53 bytes) () 02/18/2024 postreply 07:40:12

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