First of all, that's your privilege and entitlement

来源: 2526 于 2007-10-07 10:52:30 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (461 bytes)
本帖于 2007-10-07 16:16:23 时间, 由普通用户 表情符号 编辑
回答: 值得 由 2526 于 2007-10-07 10:06:59

as 老周 said, and the amount you can invest in IRA annually is limited, based on your age, $4000-5000

Second, since you are not qualified for Roth IRA, you probably don't need this amount of money in any occation for a long, long time. The difference between investing in an IRA and regular account is the accumulative tax benefit.

The drawback of IRA is that you lose the freedom to use the IRA money unless you would like to pay heavy penalty.

所有跟帖： 

• I c. So the tax-defer benefit on the gain speaks for everything -金色风铃- ♀ 给 金色风铃 发送悄悄话 金色风铃 的博客首页 (0 bytes) () 10/07/2007 postreply 13:17:24

• Absolutely. Tax, and of course death, are the only two -2526- ♂ 给 2526 发送悄悄话 2526 的博客首页 (901 bytes) () 10/07/2007 postreply 17:27:53

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