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关于IRA的问题

1. 如果你买个30年的bond， 一个放在traditional IRA里延迟收税， 一个放在
taxable account， 前者会更好， 但是有代价 - 59岁半前取的话有penalty。

2. 如果你买的是stocks， 好处可能还真不大， 因为前者最后要付的是收入税， 通常
更高， 后者付的是投资税， 一般要低一点。

3. 能否抵制通胀也很难说， 长期来说一般会， 但更高的回报会有相应的更高的risk。

4. 没income就不能投IRA了。

5. Traditional IRA如果再用backdoor转Roth IRA， 还是不错的。

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IRA跟401K类似，都是投资账户，也有Pre-tax和Roth之分，到底选哪种网上讨论很多。


如果你只想投点钱抵御通胀（保本），而且比较灵活地取出来，你可以考虑直接买财政
部的iBond ($10K每年每人)，目前根据通胀计算出的综合利率是2.76%。

https://www.bogleheads.org/wiki/I_savings_bonds

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