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Huaren
等级一等兵
威望--
贴子355
魅力639
注册时间2004-03-30

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问个退休金的问题

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2008-01-06 21:28:00

以下是引用eq在2008-1-6 17:49:00的发言:
对不起,懒得考古了。如果同时投401K 和 IRA,是不是超过一定数目后,多于的部分要交税的, 对不? 那个数目是多少?IRA 的那个标准15K/PERSON/YEAR? 公司MATCH的部分算在其中吗?

For 401k, it's 15,500 per person per year in year 2007 and 2008, and does not include employer matchings. Normally if you only have one job, your HR will stop deduct the contribution from your paycheck when it's reached the limit. However if you switch or have 2nd job, you will have to watch it yourself.

For IRA, it's 4000 for year 2007 and 5000 for year 2008, including both traditional and roth. You cannot contribute more than the limit, otherwise you will be contacted by IRS (or FBI, not sure, no experience with that). IMHO, it's not worth it with the hassel.

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