关于Roth IRA 的问题,
搞不清它的优点是什么。查到一段关于它的优点:
- Receive income-tax-free earnings in retirement
- Keep funds in a retirement account as long as possible
- Leave income-tax-free assets to your family and heirs.
- Money converted today is taxed at your current income tax rate.
- Anyone can convert retirement savings to a Roth, regardless of income.
可放进里面的钱是没有税上的优惠的, 也就是说先要去申报收入税后的钱才可以放进去, 那么在401, 403 退休计划的钱要转入Roth IRA,当然也要先扣税了? 那么1)3)4)都搞不清楚是何意了。
谢谢回复。