各人的情况不一样,要看年限和返回率
S=Salary, V=investment to 401k or Roth, T=current tax rate,
t=tax rate after you retire, r=invetment return rate before retirement
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Take home Invest Return + Premium Total
401K (S-V)(1-T) V(1+r)(1-t) (S-V)(1-T) + V(1+r)(1-t)=S(1-T)-V+VT+V(1+r)-V(1+r)t
Roth S(1-T)-V V(1+r) S(1-T)-V + V(1+r) =S(1-T)-V +V(1+r)
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401K - Roth = VT-V(1+r)t=V(T-(1+r)t)
For this result to be positive, you need T/t>1+r. You can plug in your case.
For me, I assume t=12%, T=22%, T/t=1.83=(1+.07)^9. I do not have much year left and my investment return is less then 7%, so I prefer 401K.
Note: 1+r=(1+r1)*(1+r2)*(1+r3).... yearly rate varies till retirement.
所有跟帖:
• 如果你足够年轻,考虑Roth;越接近退休,越需要401K。 越会投资,越需要Roth。不是一成不变的。 -bakoma- ♀ (0 bytes) () 11/08/2019 postreply 12:10:10