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6th-Sense · 发表于 2012-4-30 12:59 PM

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除了正常的401K，如果你钱多多。。。可以考虑下面几个：

403B： MAX ＄ 17000
457B： MAX ＄ 17000

好奇MM 最推荐 ROTH IRA，＄5000 ／年，但TAX－FREE GROWTH。

silicon_beaver · 发表于 2012-4-30 02:10 PM

Either Roth IRA or regular IRA
Depending on your tax bracket, present and future.

If present tax bracket high, the future bracket lower, then go regular IRA.
In contrast, if present tax bracket low, the future bracket higher, then go Roth IRA.

It's easy to prove this strategy mathematically.

GoldLover · 发表于 2012-4-30 03:22 PM

6th-Sense 发表于 2012-4-30 13:59
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除了正常的401K，如果你钱多多。。。可以考虑下面几个：

如果你钱多多, 很可能你就没有资格买roth IRA 。。

N 年前，有这个规定的，上限好像是￥170,000 - ￥180，000，不过你要钱多多，可以先买 traditional IRA，在转成 roth IRA。。。

万一你在年初买了，到年底才发现不合格，你可以填个表，转出来。。有点烦。。

curiosity2009 · 发表于 2012-4-30 06:44 PM

本帖最后由 curiosity2009 于 2012-4-30 20:49 编辑

Amount of Roth IRA Contributions That You Can Make for 2012

http://www.irs.gov/retirement/participant/article/0,,id=188238,00.html

curiosity2009 · 发表于 2012-4-30 07:48 PM

2012-Roth-IRA-Contribution-Limits-and-Income-Ranges.png

curiosity2009 · 发表于 2012-4-30 08:05 PM

本帖最后由 curiosity2009 于 2012-4-30 21:05 编辑

The high incomers whose AGI>183,000 are not eligible to contribute to ROTH IRA.
However, they can contribute non-deductible traditional IRA $5000/year and then convert to ROTH IRA.

6th-Sense · 发表于 2012-4-30 08:52 PM

本帖最后由 6th-Sense 于 2012-4-30 21:52 编辑

curiosity2009 发表于 2012-4-30 21:05
The high incomers whose AGI>183,000 are not eligible to contribute to ROTH IRA.
However, they can c ...

如果你们两口都放满403B， 457B，各放了34K + 401K 放满。。。足够了。

curiosity2009 · 发表于 2012-4-30 08:56 PM

6th-Sense 发表于 2012-4-30 21:52
如果你们两口都放满403B， 457B，各放了34K + 401K 放满。。。足够了。

嘿嘿，世界上最大的悲哀就是人死了，钱没花完。
我有钱就先吃喝玩乐，周游世界。

licai5688 · 发表于 2012-4-30 10:05 PM

quantx · 发表于 2012-6-2 03:31 PM

6th-Sense 发表于 2012-4-30 13:59
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除了正常的401K，如果你钱多多。。。可以考虑下面几个：

Employers of all sizes sponsor 401k plans. In many instances you can start contributing to the plan form the day you start your job.

In contrast, 403b plans are only accessible to school employers, people working for certain tax-exempt entities, and certain ministers such as those employed as prison chaplains.

How can you put savings in both 401k and 403b? 2 jobs?

6th-Sense · 发表于 2012-6-15 02:06 PM

quantx 发表于 2012-6-2 16:31
Employers of all sizes sponsor 401k plans. In many instances you can start contributing to the pla ...

Not sure other jobs, but our University allows to put regular 401k, and 403b, 457b......so, if one person with salary >150K and likes to reduce taxpay, then he/she can contribute 17000 into 403B+17000 into 4587B + regular 401k 18000 = total $52000. then pre-taxed pay down to 150000-52000 =98000.... very good to use pre-taxed money for investment

yuxiaohong · 发表于 2012-7-28 10:09 AM

本帖最后由 yuxiaohong 于 2012-7-28 11:34 AM 编辑

Why there is the minimal salary requirement for 457(b)?

There was no minimal salary requirment for 457 (b) in my previous school. I just moved to a new school. Unfortunately, there is a minimal salary requiremnt for 457 (b) (>=180K). I went to the IRS website and couldnot find the minimal salary requirement for 457 (b). As my salary is much lower than 180 K, is it possible for my new to allow me to have 457 (b) as a match for my old school 457 (b) benefit?

6th-Sense · 发表于 2012-7-28 11:46 AM

yuxiaohong 发表于 2012-7-28 11:09 AM
Why there is the minimal salary requirement for 457(b)?

There was no minimal salary requirment fo ...

you misunderstood this issue........
this is no mimium salary requirement for 403b, 457 b............what i mean is .---- if you have a very high salary, then you can put more money into 403b,457b, which will greatly reduce your taxpay.....and instead, you can use this pre-taxed $$$ for investment. doesn't it make sense?

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