新衣服
哪里买IRA
5752
14
2007-04-04 08:33:00
Tradtional IRA:存进去的钱是税前的钱,将来退休取钱时要交税.不管你的收入多少,你都可以存.
Roth IRA:存进去的钱是税后的钱,将来退休取钱时不交税! 收入高的人就不能开Roth IRA!
所以能存Roth IRA的人要赶紧, 免得将来收入高了就不能存啦!
对于traditional IRA, 这个说法有点误导。There is limitation for Deductible Traditional IRA. There is no limitation for Non-Deductible Traditional IRA. When your AGI is over some amount, you can only contribute to Non-Deductible Traditional IRA but not Deductible Traditional IRA.
我在IRA 方面比较保守，存的是CITIBANK的6和7MONTH CD，每年固定5%左右的回报。看着401K里的MUTUAL FUND时高时低，心惊肉跳的，还是CD稳定点，尽管回复很低。
存IRA, 要找几个年平均回报率10%的还是很容易的，虽然时高时低， 但长期下来还是按这个回报率往上涨的。不要小看这几个百分点，长期下来，差别很大的。你现在存$4000, if return is 5%, after 29 years, your total money will be about $16k; but if the return is 10%, your total money will be about $64k. The difference is huge. This is just for one year contribution. If you make contribution every year in the same way. You can image how much the difference is. You can do the calculation.
Sorry, the chinese input suddenly does not work.
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