Sorry, 看来limit 过时了，今年income limit for married and filed jointly 是$181000. 注意，这个是AGI, 不是收入。如果你lg存了401K, 这个AGI 是income减去401K，FSA 和medical/Dental insurance premium deducted directly from your pay check. 如果超过了这个AGI limit, 你也可以想办法用back door Roth IRA (just google it). 但这个back door 是temporary 的, congress 随时可能堵上这个漏洞。而且这个back door Roth IRA works best when you don't have any existing tax deductible IRA. 总而言之，如果你们现在的tax bracket 相对于今后是低的，而公司又没有401K match, 那你们适合走Roth IRA .这个是Roth IRA limit 的官方link [url=http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Amount-of-Roth-IRA-Contributions-That-You-Can-Make-for-2014]http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Amount-of-Roth-IRA-Contributions-That-You-Can-Make-for-2014[/url]
yueban 发表于 9/1/2014 8:04:17 PM [url=http://forums.huaren.us/showtopic.aspx?topicid=1683790&postid=64286906#64286906]

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