回复 4楼抹茶红豆包的帖子[/url] Why Your Kid Needs a Roth IRA Roth IRAs for kids are a great retirement tool, in part because they're flexible. You can withdraw contributions at any time. ARIELLE O'SHEA Aug. 12, 2019 GettyImages-931122258 At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own. A Roth IRA isn’t typically considered a savings vehicle for kids, but it should be. Roth IRAs are ideal for kids, because children have decades for their contributions to grow tax-free. And these accounts offer flexibility, too: Contributions to a Roth IRA can be withdrawn tax- and penalty-free at any time. Quick facts about Roth IRAs for kids There are no age restrictions. Kids of any age can contribute to a Roth IRA, as long as they have earned income. A parent or other adult will need to open the custodial Roth IRA for the child. Not all online brokerage firms or banks offer custodial IRAs, but Fidelity and Charles Schwab both do. A Roth IRA is more flexible than other retirement accounts because contributions can be withdrawn at any time.
Why Your Kid Needs a Roth IRA Roth IRAs for kids are a great retirement tool, in part because they're flexible. You can withdraw contributions at any time.
ARIELLE O'SHEA Aug. 12, 2019 GettyImages-931122258 At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own. A Roth IRA isn’t typically considered a savings vehicle for kids, but it should be.
Roth IRAs are ideal for kids, because children have decades for their contributions to grow tax-free. And these accounts offer flexibility, too: Contributions to a Roth IRA can be withdrawn tax- and penalty-free at any time.
Quick facts about Roth IRAs for kids There are no age restrictions. Kids of any age can contribute to a Roth IRA, as long as they have earned income. A parent or other adult will need to open the custodial Roth IRA for the child. Not all online brokerage firms or banks offer custodial IRAs, but Fidelity and Charles Schwab both do. A Roth IRA is more flexible than other retirement accounts because contributions can be withdrawn at any time.
回复 4楼抹茶红豆包的帖子[/url] Why Your Kid Needs a Roth IRA Roth IRAs for kids are a great retirement tool, in part because they're flexible. You can withdraw contributions at any time. ARIELLE O'SHEA Aug. 12, 2019 GettyImages-931122258 At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own. A Roth IRA isn’t typically considered a savings vehicle for kids, but it should be. Roth IRAs are ideal for kids, because children have decades for their contributions to grow tax-free. And these accounts offer flexibility, too: Contributions to a Roth IRA can be withdrawn tax- and penalty-free at any time. Quick facts about Roth IRAs for kids There are no age restrictions. Kids of any age can contribute to a Roth IRA, as long as they have earned income. A parent or other adult will need to open the custodial Roth IRA for the child. Not all online brokerage firms or banks offer custodial IRAs, but Fidelity and Charles Schwab both do. A Roth IRA is more flexible than other retirement accounts because contributions can be withdrawn at any time. 燕 发表于 1/4/2020 3:48:23 PM
回复 4楼抹茶红豆包的帖子[/url] Why Your Kid Needs a Roth IRA Roth IRAs for kids are a great retirement tool, in part because they're flexible. You can withdraw contributions at any time. ARIELLE O'SHEA Aug. 12, 2019 GettyImages-931122258 At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own. A Roth IRA isn’t typically considered a savings vehicle for kids, but it should be. Roth IRAs are ideal for kids, because children have decades for their contributions to grow tax-free. And these accounts offer flexibility, too: Contributions to a Roth IRA can be withdrawn tax- and penalty-free at any time. Quick facts about Roth IRAs for kids There are no age restrictions. Kids of any age can contribute to a Roth IRA, as long as they have earned income. A parent or other adult will need to open the custodial Roth IRA for the child. Not all online brokerage firms or banks offer custodial IRAs, but Fidelity and Charles Schwab both do. A Roth IRA is more flexible than other retirement accounts because contributions can be withdrawn at any time. 燕 发表于 1/4/2020 3:48:00 PM
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请教借帖子问问，小孩是不是随便挣多少钱都可以开roth ira呢，我家娃今年赚了不到一千刀，这个要不要报税啊。
investiment是什么
🛋️ 沙发板凳
小娃可以存？
当然可以 [url=https://www.nerdwallet.com/blog/investing/why-your-kid-needs-a-roth-ira/]https://www.nerdwallet.com/blog/investing/why-your-kid-needs-a-roth-ira/
首先，你说的是401k回复我的是Roth. 完全不是一回事。另外你可以gift 你的孩子15k一年。但是不管是401k还是roth一年都不可能让你存入30k。第三，孩子自己名下roth ira 没有合法合理的收入瞎开瞎存将来irs找麻烦的概率很大
刚出生，收入哪里来？当婴儿演员模特？
问了一下老公，是存IRA。
是说父母有合理合法的w2?
当然不是了，是孩子是合理合法的收入。 而且孩子的收入要报税。
孩子的合法收入，比如十几岁的孩子出去babysit,割草等，或者父母有公司可以雇孩子。
太小的孩子除了童模还能有啥收入？
做youtuber可以算孩子的收入。另外邻居割草babysit 一定要写清楚时间地点总收入以及对方签字。这个收入很难做到存满roth。父母公司雇孩子也有成本的，比如作为雇主，你也要提供足够的时间工作证明收入是合法并且合理的（比如一个12岁的孩子，没有经验，拿最低工资合理，拿马公hour pay肯定不合理）。而且还有12% payroll tax.不过我是打算12岁开始雇佣自己的娃
529只能用于教育
这个不难吧。
油管
Gift 免税但是capital gain不免。我个人不太建议直接给娃开账户。一个是因为还要单独报税（capital gain/loss).一个是因为娃一旦成年了这个账号的权力就是孩子而不是父母的。
对，孩子的收入要合理。
如果父母有公司就容易得多了。12岁的孩子能做很多简单的合理的公司的事情。
区别是你要每年缴税
你不卖股票就没有gain。可以买个大盘不卖
我个人觉得我不会选择给娃直接gift money 做saving account. 因为孩子18岁以后拥有这个账户可以随意支配。当然这是我个人看法
最后还是要交税不是嘛，而且现在的税率是历史最低，还是roth比较省心
老公听别人说可以搞个trust，放在里面，每年限制取钱最高额，儿子没出息也不会胡花的，还能防儿媳。
可以。那建议你们找专业人士吧
但是娃要有收入才能搞roth,还要搞个娃w2,也涉及payroll tax来来去去10几的税也去了
同意
trust fund baby？
Roth 本金五年以后可以拿出来，可以做买房首付。早投资的话compounding return 的好处还是可以off set payroll tax 的
做父母的不能太自私
天啦 再次刷新了我的认知，给娃好的教育但是不帮存retirement就会被label自私了。
你小孩出生就是童星的话
另说哈
如果是童星 我担心他/她收入太高 不qualify
哈哈哈哈
没有雇主开收入，你以为银行随便存？想钱也要做点研究吧，别来误导人。
当然是孩子的，谁的名义存就要对应谁的1099。
你确定想做那些youtube parents天天把小孩往上面现？
而且就算是youtube，也不会以小孩名字发1099，必须是成年人
如果你想小孩16岁以下工作 比如说拍广告
要先去labor dpt拿working permit
才能去试镜的
出来挖坑 也要有常识
我家老大今天终于赚钱了， 准备给报税然后给开个roth ira。 挣得钱归他， 当年给他开的投资帐户里的钱分年份移到roth ira。
https://smartasset.com/retirement/gift-tax-limits
当然是算孩子的资产， 影响上大学的贷款。 每年都给3万了， 还需要贷款么？
哇，理财高手。你儿子多大？
华人大妈不都流行存trust吗？儿媳分不到一毛钱的。
16岁了。。。。。
楼主先自己两公婆的事理清，再管小孩的吧？瞎忙.......
不过可以存educational IRA , $2,000 limit 一年。529可以存，可惜只能用在学习上。
楼主夫妇需要学习一下税法，了解一些基本知识。
存不了吧，得是自己的收入，税前或税后。
可能看不懂英文。这些单个汉字的id在华人上是一种奇异的存在。
有时候华人上面的各种说法
非常乡野。。。
实在不知道那叫无知 还是有趣
trust不是都拿来防儿媳的
能防儿媳的那种 会先防儿子
去了解下吧
你是说gold么？ 买的哪种呢？ 你知道的有钱人资产规划说来听听？
确实是，但需要孩子有自己的收入，可以用这个方式鼓励他们出去干点小活
我家孩子是intern以后部分收入存ＩＲＡ。
可以做很多工作啊， 也可以自己按特长做self employed。
1:1就是他/她赚的钱归他/她，你掏腰包帮他/她出up to $6000 or 收入，取最小值。 1:2， roth 也不让给存超出earned income的钱。
如果你存$50/100 irs不会太找麻烦（但是你买卖当天要有记录，比如时间地点，price/卖了多少总收入，以及成本多少。你要是存$6000说是lemonade 的收入还没记录分分钟就被找麻烦
investiment是什么
请教借帖子问问，小孩是不是随便挣多少钱都可以开roth ira呢，我家娃今年赚了不到一千刀，这个要不要报税啊。