话说公司还真的可以管你存多少 就是到不了IRS的一万九，具体原因要等懂的人来讲。大概是一个公司的401k要过一个test，test没过的话就不能Max out了。test没过通常因为公司里赚钱少的那些人存的少，公司match的用不上。所以会出现有些公司不用你存公司就给3%，然后50%match up to 6% of your base salary这种
话说公司还真的可以管你存多少 就是到不了IRS的一万九，具体原因要等懂的人来讲。大概是一个公司的401k要过一个test，test没过的话就不能Max out了。test没过通常因为公司里赚钱少的那些人存的少，公司match的用不上。所以会出现有些公司不用你存公司就给3%，然后50%match up to 6% of your base salary这种 胡桃街 发表于 10/21/2019 1:24:48 PM
To be honest, 不要指望别的专业人士会到这里来解惑.....如果有人自己花了钱找了人把这些问题搞清楚了，或者自己花了大量时间搞清楚了，也不一定会贴在这里。就算搞清楚了，然并卵，你在哪家公司就受到哪家公司policy的限制，你想存多少很大程度上取决于公司。
after tax 401可以转成roth,后面的capital gain tax free上线3w左右，我记得 the Roth money does so tax-free. With a Roth, you pay no income taxes on withdrawals nor capital gains taxes
Who should use after tax contributions: For someone in their 30’s and 40’s after tax contributions are smart if you would like to contribute more to a Roth plan but your company does not offer a Roth 401k or you earn too much to meet the income requirement for a Roth IRA. After tax contributions are a great way to supersize your retirement contribution. Whether you are playing catch up if you are a late starter saving for retirement or you are planning to retire early this is a strategy that could work for you. Remember you can’t withdraw money from a 401k or Roth IRA prior to 59.5 unless certain criteria are meet. After tax contributions are intelligent if you are planning on passing money onto future generations. Since your after tax contributions can be rolled over into a Roth IRA it can be an efficient way to pass money on when you pass away. You don’t have to withdraw or take a required minimum distribution from a Roth IRA you will be able to pass this money onto your heirs. One final thing to consider is if you or your spouse’s 401k stinks. I have seen 401k's that offer no match and only expensive fund options. In this case if you or your spouse has a good 401k plan that offers a matching contribution above the $18,500 pretax contribution limit you could consider concentrating both of your contributions in one plan. You won’t get all of the immediate tax benefits today but this would assist in saving for retirement and give you access to a Roth IRA in retirement.
楼上的有的帖子误导， 401k/roth 401k + match + after tax 401k <= 56000, 这个56000和个人的6000$ Roth ira没关系，所以除了after tax 401k mega back door to roth 还可以加上6000 个人roth投资. 不过qualify roth ira married income 低于20.3万, 这个要减去我之前所说的FSA/HSA > Roth ira > 401k max + match > ESPP > After-tax 401k >> 529， 基本就不剩啥东西了
有除了单位match 部分以外就不存的吗？
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401K存满之后还能存roth ira 12000？
是每人55k限制，还是一个家庭55k啊？
孩子学费怎么办？
🛋️ 沙发板凳
怎么可能所有人都max ---发自Huaren 官方 iOS APP
这个是指不能存到19000？
是的。。。。。。
自从买了投资房，我就觉得存到IRS的上限似乎不再划算了。
大家的401k 的投资回报率有多少？我的不高嘛。
为啥呀？公司还有权管这个？
为什么不让呢
公司管好宽。是不是没钱MATCH啊。
那根什么有关？
19000都不让存，我还以为是不能存roth 401
这就是矫情了。。。。。。
https://smartasset.com/retirement/401k-highly-compensated-employee
公司规定一个％可以存，但是远低于19,000刀。 如果bonus好的话， 可能max out。
这哪里矫情了……再加上espp到手的钱真的少的可怜啊。
哈哈哈哈哈 after tax 能存5w5一共呢 看好那个层主
就20w max 401k+hsa+roth+after 还有3000？
可能有人就喜欢数钱
以后留给媳妇买买买？
后来就是都max out了，没有其他太好的避税手段。
可以造福下一代，孙辈的私校学费都cover了
这么多钱的话，59.5就退休吧。
如果是为了下一代，肯定不放401里呀。。401本来是为了这辈子省税的。我就是举个例子，401k存差不多得了，没有必要太stretch
是59.5，之前withdraw要罚款。还是再等几年吧
哦哦，那等最后一个公司的时候还是有必要多存下
白给的不要，只能说是傻了
问下mm，家庭收入20万了为什么还可以存roth ira？
我之前找的顾问说应该存满，然后可以卖一些rsu来cover 开销 如果take home不够。不过我老公公司没有mega backdoor，所以还没有这个问题。
financial analyst当然希望你存满了，他们才有钱赚 ---发自Huaren 官方 iOS APP
Backdoor 每个人6000， after tax还可以存mega backdoor， 2万4千5
你之前的顾问是那个说退休之后一年要几十万才能过的吗~~~
原来如此。谢谢
后来没雇佣他们。只是觉得这么操作tax benefit比较好，而且现在market不好，每个月剩的钱我也是存去money market
哈哈哈，后来发现我自己看错slide了。不过他们算的还是3-4m退休
我可喜欢数钱啦，可惜没有现金数，我就爱数现金
我找的那个firm,做过相关的视频
我觉得解释还okay啦
解释的挺好的， 这样公司还能多match一点
省税啊。。。
一样存钱， after tax 401k和自己存钱比，也能有蛮多税收优惠。。。
To be honest, 不要指望别的专业人士会到这里来解惑.....如果有人自己花了钱找了人把这些问题搞清楚了，或者自己花了大量时间搞清楚了，也不一定会贴在这里。就算搞清楚了，然并卵，你在哪家公司就受到哪家公司policy的限制，你想存多少很大程度上取决于公司。
401k 可以拿公司match 啊。HSA和roth IRA 应该是优于投资房的。
嗯对的，只是说长期来看收益应该会大于本金。其实每样都搞一些就可以了，diversify一下，免得万一政策有变不会太损
hahahahah
一般定投买指数收益率过10%。
然而涨的很慢，估计是投资太保守，而且401k 账户没有很好的基金
明年就只放3万多块
投资房又是另外一个话题
感觉鸡蛋放在不同地方比较好
after tax 401可以转成roth,后面的capital gain tax free上线3w左右，我记得
the Roth money does so tax-free. With a Roth, you pay no income taxes on withdrawals nor capital gains taxes
after tax 401k产生的效益也是tax deferral的
Who should use after tax contributions: For someone in their 30’s and 40’s after tax contributions are smart if you would like to contribute more to a Roth plan but your company does not offer a Roth 401k or you earn too much to meet the income requirement for a Roth IRA. After tax contributions are a great way to supersize your retirement contribution. Whether you are playing catch up if you are a late starter saving for retirement or you are planning to retire early this is a strategy that could work for you. Remember you can’t withdraw money from a 401k or Roth IRA prior to 59.5 unless certain criteria are meet. After tax contributions are intelligent if you are planning on passing money onto future generations. Since your after tax contributions can be rolled over into a Roth IRA it can be an efficient way to pass money on when you pass away. You don’t have to withdraw or take a required minimum distribution from a Roth IRA you will be able to pass this money onto your heirs. One final thing to consider is if you or your spouse’s 401k stinks. I have seen 401k's that offer no match and only expensive fund options. In this case if you or your spouse has a good 401k plan that offers a matching contribution above the $18,500 pretax contribution limit you could consider concentrating both of your contributions in one plan. You won’t get all of the immediate tax benefits today but this would assist in saving for retirement and give you access to a Roth IRA in retirement.
10%偏高了
这个。。。大部分都是after tax 的话rollover 到ira就没有401k的限制了啊。。。
是的
if company gives discount
espp应该第一位
不过好像板上有mm说过他的公司有espp可是没discount lol也不知是真是假
股价连年下跌的公司也无脑买？
没放第一位跟公司的政策有关，很多规定一年以后才能卖，也有的规定一个季度之后才能卖。
那个时候有没有跌15%都不知道。还有公司股票的稳健程度。放第一位也是没问题的，根据个人情况。
过去10年，14%。
我自己进出指数瞎玩，这七八年每年就没下20%。