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Huaren
等级上尉
威望3
贴子2732
魅力3733
注册时间2005-03-02

daylily

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[求助]大家平时怎么理财

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2007-06-06 13:27:00

roth IRA has nothing to do with your marriage status.  It is an individual account.

As long as you have working income in a specific year, you are qualified to contribute to ROTH IRA that year.

The only time your marrriage status would matter is that, if one of you doesn't have income while the spouse does, both of you can still contribute.

Huaren
等级上尉
威望3
贴子2732
魅力3733
注册时间2005-03-02

daylily

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2007-06-08 13:02:00

以下是引用joyandpeace在2007-6-7 16:26:00的发言:

为什么Roth IRA?

profit tax free. 本金五年后可以拿出,no penalty.

补充一下, 本金任何时候都可以拿出, no penalty.

增值部分(upto a certina limit) 五年后可以有条件的拿出, 如买第一个房子, or medical conditions, etc. no penalty.

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