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标 题: Re: 529 plan 每月放多少钱合适？

 发信人: suani (suani), 信区: Investment
标  题: Re: 529 plan 每月放多少钱合适？
发信站: BBS 未名空间站 (Mon Sep  1 16:35:57 2014, 美东)

这就是为什么要用backdoor。

大致的原理是这样的：

有的公司提供traditional 401k, roth 401k和traditional after-tax 401k，前面两
个combined limit的确是$17500(2014年），但是如果有第三个的话，那么combined
limit就是$52000(2014年），见IRS：
http://www.irs.gov/Retirement-Plans/COLA-Increases-for-Dollar-Limitations-on-Benefits-and-Contributions
(见401K, defined contribution limits)

只要投到traditional after-tax 401k里的钱通过backdoor及时转到Roth IRA（例如1
周之内）， 其间收益可以忽略不计，要交的税也就没有多少。

Roth IRA只要取出original contribution就没有任何Penalty：
http://www.rothira.com/blog/the-five-year-rule-with-roth-ira-withdrawals

Roth 401K复杂一些，增益的部分要交税。不过如果都convert到Roth IRA的话，就只要
一次付清当时增益的税就可以了。
【 在 babymagic (我心依旧) 的大作中提到: 】
: 为什么我理解的不一样？traditional and Roth 401k contribution的总钱数$17500，
: 我理解是IRS定的，不是每种各$17500。不是自雇的话，不算match的，不是就$17500
吗？
: 还有，哪里说Roth 401K 是5年后就能tax free取的？不是也要59岁半吗？
: 纯好奇，因为我不投Roth 401k。要是这也行，那我放满traditional 401k后也无脑投
: Roth 401k 了。too good to be true的感觉...


发信人: suani (suani), 信区: Investment
标  题: Re: 529 plan 每月放多少钱合适？
发信站: BBS 未名空间站 (Tue Sep  2 21:53:08 2014, 美东)

可以，不过好像只有换工作的时候才行。
【 在 surrogate (土豆) 的大作中提到: 】
: 谢谢指教。请问Roth 401K能够转成roth ira吗？

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