回复：如果买了IRA后回国了。59.5岁时能在国内要回这笔钱吗？

if you are US citizen or keep you GC at that time, you are considered as US resident for tax purpose, wherever you live, you have to file US tax return, thus you'll pay your income tax (including IRA/401K) at regular income tax rate, usually it'll be lower than what you pay right now.

depends on your tax status vis-a-via the US.

if you are not US citizen, and don't have GC, that means that you are no longer US resident for tax purpose, then when you get your money from your IRA/401K, the bank/broker have to withhold the tax before the distribution to you. this withholding tax is the highest income tax rate at that time.

Very tricky.

所有跟帖： 

• 我不太明白。 -Thankslot- ♀ (200 bytes) () 03/21/2005 postreply 12:27:27

• Roth IRA 比较好。既然你没GC,普通帐号不是更方便？ -不懂为什么要IRA- ♀ (0 bytes) () 03/21/2005 postreply 13:10:36

• it for tax dedutable. -Because- ♀ (34 bytes) () 03/21/2005 postreply 13:15:14

• Roth IRA is after tax money -no_save- ♀ (346 bytes) () 03/21/2005 postreply 13:51:35