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以下是引用joyandpeace在2006-3-10 18:28:00的发言：
开individual买MF, bond.买什么都行啊
买mutual fund 和 bond 难道不会赔吗？
这种think ahead, plan ahead的精神可佳啊。401K公司给match 25%是很不错的。如果真的想放一些钱到roth ira，可以开一个。It's your choice whether you wanna max out the contribution or not. You dont have to pay penalty on gains when making withdrawal from the fund. However, if you wanna take money from the pricipal or close the account, you will have to pay penalties and taxes (on interests).
以下是引用heavysnow在2006-3-11 14:00:00的发言：
这种think ahead, plan ahead的精神可佳啊。401K公司给match 25%是很不错的。如果真的想放一些钱到roth ira，可以开一个。It's your choice whether you wanna max out the contribution or not. You dont have to pay penalty on gains when making withdrawal from the fund. However, if you wanna take money from the pricipal or close the account, you will have to pay penalties and taxes (on interests).
这种think ahead, plan ahead的精神可佳啊。401K公司给match 25%是很不错的。如果真的想放一些钱到roth ira，可以开一个。It's your choice whether you wanna max out the contribution or not. You dont have to pay penalty on gains when making withdrawal from the fund. However, if you wanna take money from the pricipal or close the account, you will have to pay penalties and taxes (on interests).
那开IRA的好处减去几年以后close account的penalty，是不是还是有赚呢？
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