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yyja
Roth IRA or Traditional IRA
2301
6
2007-10-30 19:29:00
菜鸟问题哈。Roth IRA or Traditional IRA 哪一个合适？ 俺工资不高， 放了 6％ 在401K。 其他莫有投资乐。 谢谢！
If you have 401K, you can use Traditional IRA. If you qualify (salary do not exceed an amount, forgot how much), you can put $4000 (after tax money) into your Roth IRA account. The earnings in your Roth IRA account will not be taxed.
以下是引用bluebluesky在2007-10-31 11:03:00的发言：
If you have 401K, you can use Traditional IRA. If you qualify (salary do not exceed an amount, forgot how much), you can put $4000 (after tax money) into your Roth IRA account. The earnings in your Roth IRA account will not be taxed.
If you have 401K, you can use Traditional IRA. If you qualify (salary do not exceed an amount, forgot how much), you can put $4000 (after tax money) into your Roth IRA account. The earnings in your Roth IRA account will not be taxed.
thanks a lot!
a coworker told me that for ROTH IRA, you can withdraw the original money anytime you want, but not for traditional IRA. is that true?
Yes it is true. You can withdraw it at any time, because it is your after tax money. But the problem is you can deposit a maximum of $4000 a year. If you take it out, you are not taking the advantage of the earnings.
The AGI limitation for 2006 is 50,000 for full deduction, between 50k and 60k is phase-out. After 60k, you're not qualified to take any deductions. AGI does not take consideration of your income that you put into your 401k account.
I think for 2007 it's 52k to 62k. Not very sure, but somewhere along those lines.
以下是引用bluebluesky在2007-10-31 11:03:00的发言：
If you have 401K, you can use Traditional IRA. If you qualify (salary do not exceed an amount, forgot how much), you can put $4000 (after tax money) into your Roth IRA account. The earnings in your Roth IRA account will not be taxed.
wrong. if u use 401k, u can NOT use traditional ira. so after 401k, roth is ur only additional savings vehicle if u don't exceed the income limit (i remember it's about $90k+ for singles.) roth ira doesn't save ur current year tax. however earned income from ur post tax contribution is tax free. also u can withdraw the principal contribution after 5 years from roth ANYTIME u want.If you have 401K, you can use Traditional IRA. If you qualify (salary do not exceed an amount, forgot how much), you can put $4000 (after tax money) into your Roth IRA account. The earnings in your Roth IRA account will not be taxed.
以下是引用bluebluesky在2007-10-31 16:37:00的发言：
Yes it is true. You can withdraw it at any time, because it is your after tax money. But the problem is you can deposit a maximum of $4000 a year. If you take it out, you are not taking the advantage of the earnings.
Yes it is true. You can withdraw it at any time, because it is your after tax money. But the problem is you can deposit a maximum of $4000 a year. If you take it out, you are not taking the advantage of the earnings.
correct. so think twice before take out the money from your ROTH
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