no one knows what the tax situation is going to be like down the road so go with both, something like Roth IRA + regular 401K + Mega roth backdoor (if available)
lz问的是roth401k 不是roth ira roth401k跟regular 401k是一个cap 确实 如果你现在税率偏高 就存regular好了 有的人存一半一半 另外Roth ira 和roth 401k收益的tax是不一样的， roth 401k的收益部分还是要交税的。所以好处也没有很大。 Chipette 发表于 2021-01-18 10:01
Roth 401k的收益要交税？你确定？不要误导 In general, the difference between a Roth 401(k) and a traditional 401(k) is that income contributed to the Roth version is taxable in the year it is earned, but income contributed to the traditional version is taxable in the year in which it is distributed from the account. Furthermore, earnings on the traditional version are taxable income in the year they are distributed, but earnings on the Roth version are never taxable.
lz问的是roth401k 不是roth ira roth401k跟regular 401k是一个cap 确实 如果你现在税率偏高 就存regular好了 有的人存一半一半 另外Roth ira 和roth 401k收益的tax是不一样的， roth 401k的收益部分还是要交税的。所以好处也没有很大。 Chipette 发表于 2021-01-18 10:01
KEY TAKEAWAYS A Roth 401(K) is a tax-advantaged retirement savings vehicle that combines features from traditional 401(k) plans and Roth IRAs. Contributions and earnings can be withdrawn tax-free as long as certain criteria are met. For 2020 and 2021, the contribution limit is $19,500 and those 50 and over can contribute an additional $6,500. 上面的info是from https://www.investopedia.com/， Roth401K的earnings 是不要交税的。
there is no capital gain tax on roth earning. but all income are taxable in one way or another after you retire. there are different thretholds. Up to 85% of your Social Security benefits may be taxable, depending on your total income and your filing status. Even if you continue to work when receiving Social Security, you will have Social Security and Medicare taxes withheld from your pay if you are an employee and, if you are self-employed, you will have to pay these taxes directly. Distributions from 401(k) and traditional IRA accounts generally are taxable. Distributions from Roth IRAs are tax-free. The federal tax code and some state laws provide special benefits for retirees and older taxpayers.
另外Roth ira 和roth 401k收益的tax是不一样的， roth 401k的收益部分还是要交税的。所以好处也没有很大。
Roth 401k的收益要交税？你确定？不要误导
In general, the difference between a Roth 401(k) and a traditional 401(k) is that income contributed to the Roth version is taxable in the year it is earned, but income contributed to the traditional version is taxable in the year in which it is distributed from the account. Furthermore, earnings on the traditional version are taxable income in the year they are distributed, but earnings on the Roth version are never taxable.
roth401收益部分当然不交税了
KEY TAKEAWAYS A Roth 401(K) is a tax-advantaged retirement savings vehicle that combines features from traditional 401(k) plans and Roth IRAs. Contributions and earnings can be withdrawn tax-free as long as certain criteria are met. For 2020 and 2021, the contribution limit is $19,500 and those 50 and over can contribute an additional $6,500.
上面的info是from https://www.investopedia.com/， Roth401K的earnings 是不要交税的。
你说最后那个问题我猜跟我前天问的类似，traditional 401k和ira有rmd的问题，最后大家讨论就是比70岁早几年就开始往roth里转，如果有收入少的年份也要利用好
401k存多了是不是也吃亏 https://forums.huaren.us/showtopic.html?topicid=2644012&fid=398&page=10
这个吧？ 这些真的很难说每家都不一样，而且加上tax implication研究的脑袋都痛。 而且我们不止得存养老基金，还得想着买房子，给孩子存些学费。我个人时不时也想着人老了有个几百万有啥用，还不如今朝有酒今朝醉，好好享受下。
roth 401k 收益不交税吧？
可以根据自己情况算一下。不想那么复杂的rule of thumb就是现在vs退休税率。现在州税高（退休可能搬到低州税州），现在tax bracket高（现在400k退休可能一年取200k就够花了）的情况，还是pretax 401比较好。
不要忘了你选roth现在损失的tax能带来的收益也是机会成本。而且很多roth账号投资选择少，自己投资的话选择多。
there is no capital gain tax on roth earning. but all income are taxable in one way or another after you retire. there are different thretholds.
Up to 85% of your Social Security benefits may be taxable, depending on your total income and your filing status. Even if you continue to work when receiving Social Security, you will have Social Security and Medicare taxes withheld from your pay if you are an employee and, if you are self-employed, you will have to pay these taxes directly. Distributions from 401(k) and traditional IRA accounts generally are taxable. Distributions from Roth IRAs are tax-free. The federal tax code and some state laws provide special benefits for retirees and older taxpayers.