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标  题: Re: 401k还有存的必要吗？公司不match

http://gengwg.blogspot.com/发信人: shaogege (soul), 信区: Investment
标  题: Re: 401k还有存的必要吗？公司不match
发信站: BBS 未名空间站 (Thu May 14 08:57:42 2015, 美东)

如果放在其他地方有比401k里更好的收益，就不放401里。
主要得是看哪里收益好，少点税是其次的好处。因为你一旦放进401就要几十年拿不出
来，省掉的这些税平摊到这几十年，好处就很微薄了。

举个例子，比如你今年放18000进401k，现在你在25%的bracket里，退休后你的收入水
平在15%的bracket里，省了10%的税，所以你少交的这1800块钱税的好处，是用18000躺
在401k里二三十年的代价换来的。1800除以20年，每年90块钱收益，annual return仅
为0.5%。


【 在 NJ08807 (三脚猫@bridgewater) 的大作中提到: 】
: 税率有差别。
: 如果是退休后税率比现在还高 就不要存了。
: 当然没人能看那么远，大部分人会有健康的原因收入下降。
: 所以还是存一些保险。
发信人: hanvin (hehe), 信区: Investment
标  题: Re: 公司没有401K matching，是否还值得在401K plan里放钱?
发信站: BBS 未名空间站 (Wed May 20 19:34:57 2015, 美东)

我们单位也没有match，我一般前半年不放，观察一下家庭收入和投资机会，后半年决
定放不放
【 在 coldking (木有昵称) 的大作中提到: 】
: 近期内还没有买房的打算，但也不太有精力炒个股。有经验的人觉得值得把钱放入公司
: 的401K plan吗？（如果公司没有matching的话）或者推荐几个长期回报稳定风险不大
: 的东东？
: 谢谢！

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