回复：长老, my 401K is maximized every year.

来源: 凌空长老 于 2007-10-07 18:24:14 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (1387 bytes)
回答: 不值得 由 凌空长老 于 2007-10-07 11:10:18

I made my recommendation based on the assumption that you are married and both you and your spouse work. You may have two children now or eventually. Not let's see how many accounts you may end up with:

Acct#1 Your regular stock account
Acct#2 Your mutual fund account (you may combine with acct#1)
Acct#3 Your 401K account
Acct#4 Your spouse's 401K account
Acct#5 Your ESPP & Stock option account
Acct#6 Your spouse's ESPP & Stock option account
Acct#7 Your roll-over IRA account (from the 401K acct from your previous employer)
Acct#8 Your spouse's roll-over IRA account
Acct#9 Your 1st child's 529 plan
Acct#10 Your 2nd child's 529 plan
Acct#11 Your & your spouse's bank accout.

You may have other accounts also, depending on whether you do periodical consolidation. If you think handling all the above accounts is peanut, it's OK to open to open another non-deductible IRA account. In my own case, I decided to pay a penalty and closed those accounts a few years ago.

If you have already maximized your 401K account, I think your no.1 priority should be to improve the returns. As long as you can keep pace with the market or do better, you'll have enough money for retirement later on. It's not necessary to open another account to save a few hundred to a few thousand bucks in tax.






Your 401

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