偶笨,谁来给偶解释一下阿贝这句话的意思?

不交401k, tax rate is 15%. long term capital gain tax

交 401K, tax rate is 25%, your marginal income tax rate.

not worthy it beyond the company match

所有跟帖： 

• 另外,401K是60后才能取吗?我刚上班不久,对这些东东还搞不太灵清 -househouse- ♀ (0 bytes) () 06/14/2007 postreply 10:36:52

• 59.5. Otherwise, you have to pay penalty of 10%. -A-mao- ♂ (77 bytes) () 06/14/2007 postreply 10:41:24

• 谢,不明白为什么我那些才30出头的老中朋友猛存401K, -househouse- ♀ (72 bytes) () 06/14/2007 postreply 10:57:04

• It may not be a bad way to do it if you consider -A-mao- ♂ (73 bytes) () 06/14/2007 postreply 10:59:02

• 我是记得你写过,不过我当时没细看,我还没小孩呢. -househouse- ♀ (20 bytes) () 06/14/2007 postreply 11:01:17

• 毛兄，10% penalty可有依据？我查了，没查到。 -LAresident- ♂ (0 bytes) () 06/14/2007 postreply 12:19:01

• http://www.irs.gov/faqs/faq-kw7.html(ZT) -A-mao- ♂ (765 bytes) () 06/14/2007 postreply 12:26:23

• If you put your money into taxable account, -A-mao- ♂ (274 bytes) () 06/14/2007 postreply 10:40:05

• 这个25%怎么来的？ -880101- ♀ (305 bytes) () 06/14/2007 postreply 10:48:21

• Looks you don;t do your tax return.:). -A-mao- ♂ (255 bytes) () 06/14/2007 postreply 10:53:47

• 哦，忘了以前的假设。请问，25%按退休时年收入算吗？ -880101- ♀ (294 bytes) () 06/14/2007 postreply 11:09:21

• The money you take from your retirment accounts -A-mao- ♂ (484 bytes) () 06/14/2007 postreply 11:16:26

• ic，如果取的多就按高税率交401k。 -880101- ♀ (183 bytes) () 06/14/2007 postreply 11:24:05

• So there is a Roth IRA. -A-mao- ♂ (123 bytes) () 06/14/2007 postreply 11:26:45

• AGI是啥?看来我还有很多功课要做啊. -househouse- ♀ (0 bytes) () 06/14/2007 postreply 10:54:32

• 谢猫主席,BUT我用来做投资的那部分钱可是税后吧?以一年来算 -househouse- ♀ (72 bytes) () 06/14/2007 postreply 10:53:25

• This is so called Tax-plan. -A-mao- ♂ (305 bytes) () 06/14/2007 postreply 10:56:52

• 阿毛解释的非常正确！ -BayFamily- ♀ (0 bytes) () 06/14/2007 postreply 21:22:39

• That is wrong explanation -iknw- ♂ (1118 bytes) () 06/14/2007 postreply 10:59:14

• DDD! -小小石头- ♂ (0 bytes) () 06/14/2007 postreply 11:04:49

• 大财主不能瞎顶穷人．：） -iknw- ♂ (0 bytes) () 06/14/2007 postreply 11:40:15

• 想顶就顶，错了俺也顶...~_~... -小小石头- ♂ (0 bytes) () 06/14/2007 postreply 11:46:21

• 回复：That is wrong explanation -A-mao- ♂ (168 bytes) () 06/14/2007 postreply 11:08:28

• $75 + (199-75)*0.85 = $180. Thanks for correction. -iknw- ♂ (0 bytes) () 06/14/2007 postreply 11:11:50

• DDD! -小小石头- ♂ (0 bytes) () 06/14/2007 postreply 11:12:53

• 前提是 -表情符号- ♀ (62 bytes) () 06/14/2007 postreply 11:25:12

• Index is ok, especially Sp500--rarely trade. -A-mao- ♂ (0 bytes) () 06/14/2007 postreply 11:27:28

• yes. but why buy Index ? -表情符号- ♀ (0 bytes) () 06/14/2007 postreply 11:46:46

• Then you should ask how many -A-mao- ♂ (336 bytes) () 06/14/2007 postreply 11:51:50

• 即使膨胀崩溃，两种比较依然成立，是吗？那还是该投401k -880101- ♀ (0 bytes) () 06/14/2007 postreply 11:14:35

• 但是401K是建立在将来的income tax bracket will be lower than now -iknw- ♂ (98 bytes) () 06/14/2007 postreply 11:26:59

• 401k的好处是 -表情符号- ♀ (203 bytes) () 06/14/2007 postreply 11:14:54

• 最简单的办法。 -*天马行空独来独往*- ♀ (64 bytes) () 06/14/2007 postreply 11:46:43