ggzh
我们应该开traditional IRA吗？
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2006-03-12 13:30:00
楼主这么高的收入，是否参加了公司的401K呢？要是参加了的话，Traditional IRA的contribution就不能deduct了。
Modified adjusted gross income (MAGI) | Single | Married, filing jointly | ||||
| Spouse participates in a plan at work | Spouse doesn't participate in a plan at work | |||||
| You participate in a plan at work | You don't participate in a plan at work | You participate in a plan at work | You don't participate in a plan at work | You participate in a plan at work | You don't participate in a plan at work | |
| $50,000 or less | Full | Full | Full | Full | Full | Full |
| $50,001 - $59,999 | Partial | Full | Full | Full | Full | Full |
| $60,000 - $70,000 | None | Full | Full | Full | Full | Full |
| $70,001 - $79,999 | None | Full | Partial | Full | Partial | Full |
| $80,000 - $155,000 | None | Full | None | Full | None | Full |
| $155,001 - $164,999 | None | Full | None | Partial | None | Full |
| $165,000 or more | None | Full | None | None | None | Full |
排版不是很清楚，简单改写一下：
Single：
一旦参加了单位的退休计划，AGI在$50-60K以内开始partial deduct，$60K以上不能deduct。
Married jointly：
如果双方都没有参加单位的退休计划，那么当然是可以fully deduct的。
自己参加了单位的退休计划（不论对方如何），AGI在$70-80K以内开始partial deduct，$80K以上不能deduct。
自己没有参加单位的退休计划，对方参加了，AGI在$155-165K以内开始partial deduct，$165K以上不能deduct。
楼主说Roth几乎不能放了，那么AGI应该在$150K左右了吧，，要注意参加了单位的退休计划没有哦。
[此贴子已经被作者于2006-3-12 13:40:14编辑过]
就象重雪版主说的，Roth比较灵活，所以能放Roth就先放Roth吧。不能放了就放Traditional IRA，也就是把IRA当作annuity来用了。
那个指的是以谁的名字买IRA。
Your husband participates in a plan at work, you don't: You partial, your husband none.
Your husband doesn't participate, you do: You none. Your husband partial.
嗯，两个人都参加了单位的退休计划的话呢，AGI高于$80K以后两个人的contribution都不能deduct。所以一般如果两口子都有工作都有401K的话，AGI高于$80K还是比较容易达到，不大使用Traditional IRA的。当然象你们这样实在钱没处放的例外。
现在只有LG有401k, 我没有，那么看来还是投traditional IRA好了？不然等我也投了401k, 两人AGI又超过150k, 不是roth ira 投不了，traditional也没好处捞？有闲钱不如拿去买 I bonds了，比较灵活。我的想法对吗？
两个人都放满401K，一年就是三万，AGI又超过150k，再加上deduction，那一年收入就超过20万了。大家还等什么，抄家伙吃大户去呀！
真到那个时候，你自然会有很多办法花钱的。买大房子，生两个孩子，一年去一次法国度假练口语，都够你投不少的了。再有钱还可以自己做生意，买股票，买保险，买教育基金，别的地方不好找，放钱的地方还少吗？
说穿了，IRA这种东西不是给有钱人准备的呀。
[此贴子已经被作者于2006-3-16 20:26:26编辑过]
到底了
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