qianqun
[灌水]问问MF和IRA，现在想这个是不是太早
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2006-12-09 15:14:00
新生，闲钱放在online saving，APY>5%。现在在想可不可以玩玩fund呢，收益其实多不了多少，就是玩玩咯。不过tax的问题似乎很麻烦，似乎不如先买ira，用ira的钱买fund。但是我对今后的工作没有任何想法、计划，买ira是不是太早啊。想听听大家的建议。Thx~~~~~~
don't worry about tax if you want to buy MF, just do not buy it just before their distribution (namely, usually do not buy it in December).
Tax is everythere no matter where you put your money, even in saving account. (PS: F1 student does not pay tax on interests in banks).
以前有帖子问如果今后回去是否考虑买401k或者IRA
如果LZ就是想玩玩这样的投资，it's not gonna hurt anything
don't worry about tax if you want to buy MF, just do not buy it just before their distribution (namely, usually do not buy it in December).
Tax is everythere no matter where you put your money, even in saving account. (PS: F1 student does not pay tax on interests in banks).
F1阿，所以没有利息税，但是MF就得交税了吧
F1阿，所以没有利息税，但是MF就得交税了吧
I think so.
f1 为什么没有利息税？是指从中国带来的钱吧>美国的奖学金存在银行是要叫利息税的。
不要和美国国税局玩花样，如果有国内带来的钱要和自己奖学金分开来存的
税真是麻烦啊。不过想投资的话，确实是越早动手越好。推荐morningstar的investing classroom。对入门很有用。
f1 为什么没有利息税？是指从中国带来的钱吧>美国的奖学金存在银行是要叫利息税的。
不要和美国国税局玩花样，如果有国内带来的钱要和自己奖学金分开来存的
My tax preparer told me that, no tax on F1's intersting earning on bank account. Correct me if I am wrong.
Also from google: http://academic.shu.edu/oip/a5_taxes.htm
"Interest earned by nonresident taxpayers in a savings account or certificate of deposit in a U.S. bank is considered to be a foreign source, and therefore it is non-taxable."
f1 为什么没有利息税？是指从中国带来的钱吧>美国的奖学金存在银行是要叫利息税的。
不要和美国国税局玩花样，如果有国内带来的钱要和自己奖学金分开来存的
NRA是免银行利息税的阿，银行会寄来W-8BEN表要sign了寄回去阿
到底了
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