Here's a look at Biden's proposed 401(k) changes: The 401(k) tax deduction would disappear. Workers would instead get a tax credit for 401(k) contributions. The tax advantage of contributing to a 401(k) would be reduced for higher earners and increase for low and middle earners. The creation of an automatic 401(k) for workers without access to a workplace retirement account. Allowing caregivers to make catch-up contributions to retirement accounts
回复 1楼燕的帖子 Are we reading the same thing? The proposed tax credit is 26%, whether you are at $70,000 or $450,000. Today, you are limited by your contribution of $19500, but it sounds like the credit can be worth more under Biden's plan.
回复 2楼燕的帖子 The tax advantage of contributing to a 401(k) would be reduced for higher earners and increase for low and middle earners. The creation of an automatic 401(k) for workers without access to a workplace retirement account. 这两条都不错嘛。make sense.
回复 2楼燕的帖子 The tax advantage of contributing to a 401(k) would be reduced for higher earners and increase for low and middle earners. The creation of an automatic 401(k) for workers without access to a workplace retirement account. 这两条都不错嘛。make sense. new_bie 发表于 2021-02-04 11:01
回复 1楼燕的帖子 Are we reading the same thing? The proposed tax credit is 26%, whether you are at $70,000 or $450,000. Today, you are limited by your contribution of $19500, but it sounds like the credit can be worth more under Biden''s plan. heartinny 发表于 2021-02-04 10:52
真要算清楚的话... 假设没有match（估计match部分也要交税差了），401k limit $20k, and marginal tax rate is 37%. Plan 1: no 401k, $20000 becomes $12600 after tax, you spend this $12600 for travel, food, or whatever.. no tax worry in the future! Plan 2: no 401k, $20000 becomes $12600 after tax, you invest this $12600 in house or stock index. As long as you don''t cash out, it''s like a tax-deferred investment and you will pay long-term capital gain tax in the end. This rate is likely (but Biden may want to change it) lower than normal income rate that you will pay with 401k. Plan 3: still go with 401k, you will have $20000 to start ar tax-deferred investment, in the mean time you pay $2200 tax (37% - 26%) so it will hurt your other investment a little bit. In the end, you may need to withdraw the money in either plan 2 or 3, and pay whatever tax rate at that time. Notice you could end up paying more than the max tax rate in total. For example, you have paid 11% at the beginning, and you may still pay 37% or an even higher rate 20 or 30 years later (image US tax rate may rise up to 60% and if you are rich at that time..) In general plan 3 should still be better than plan 2 because you have a larger amount to start the tax-deferred investment, unless you really want to use every extra penny to do some investment that you can''t do with 401k, such as buying investment properties. That will become hard to compare since the return may be totally different.
真要算清楚的话... 假设没有match（估计match部分也要交税差了），401k limit $20k, and marginal tax rate is 37%. Plan 1: no 401k, $20000 becomes $12600 after tax, you spend this $12600 for travel, food, or whatever.. no tax worry in the future! Plan 2: no 401k, $20000 becomes $12600 after tax, you invest this $12600 in house or stock index. As long as you don''t cash out, it''s like a tax-deferred investment and you will pay long-term capital gain tax in the end. This rate is likely (but Biden may want to change it) lower than normal income rate that you will pay with 401k. Plan 3: still go with 401k, you will have $20000 to start ar tax-deferred investment, in the mean time you pay $2200 tax (37% - 26%) so it will hurt your other investment a little bit. In the end, you may need to withdraw the money in either plan 2 or 3, and pay whatever tax rate at that time. Notice you could end up paying more than the max tax rate in total. For example, you have paid 11% at the beginning, and you may still pay 37% or an even higher rate 20 or 30 years later (image US tax rate may rise up to 60% and if you are rich at that time..) In general plan 3 should still be better than plan 2 because you have a larger amount to start the tax-deferred investment, unless you really want to use every extra penny to do some investment that you can''t do with 401k, such as buying investment properties. That will become hard to compare since the return may be totally different. anye 发表于 2021-02-04 12:35
这个plan 2，搞不好需要重新计划，因为有在考虑对unrealized capital gain 征税。 真是疯狂...
回复 1楼燕的帖子 Are we reading the same thing? The proposed tax credit is 26%, whether you are at $70,000 or $450,000. Today, you are limited by your contribution of $19500, but it sounds like the credit can be worth more under Biden's plan. heartinny 发表于 2021-02-04 10:52
回复 2楼燕的帖子 The tax advantage of contributing to a 401(k) would be reduced for higher earners and increase for low and middle earners. The creation of an automatic 401(k) for workers without access to a workplace retirement account. 这两条都不错嘛。make sense. new_bie 发表于 2021-02-04 11:01
回复 1楼燕的帖子 Are we reading the same thing? The proposed tax credit is 26%, whether you are at $70,000 or $450,000. Today, you are limited by your contribution of $19500, but it sounds like the credit can be worth more under Biden's plan. heartinny 发表于 2021-02-04 10:52
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联邦总统
当然有关系，立法是个谈判过程，政治经济目的决定政策。太不合理就谈不下了，或是只能推行短期。
有些人脑子怎么这么僵化。合不合理其实一个大家可以接受的range，outside the range就会有很多push back。
不是一个cutoff就贴个标签定个性的问题, 也不是高就错，低就对或vice versa的黑白问题。
所以你也知道跟合理不合理没关系。
说了税收由当地政治经济决定。谁说低税收就可持续了？
说的是增加遗产税。不是收不收，是收多少。再有钱的人可以接受的范围是有限的。比如加到80-90%，想收你也收不上来了，大规模的避税手段就会出现了。政策就失效了。
🛋️ 沙发板凳
The 401(k) tax deduction would disappear. Workers would instead get a tax credit for 401(k) contributions. The tax advantage of contributing to a 401(k) would be reduced for higher earners and increase for low and middle earners. The creation of an automatic 401(k) for workers without access to a workplace retirement account. Allowing caregivers to make catch-up contributions to retirement accounts
Are we reading the same thing? The proposed tax credit is 26%, whether you are at $70,000 or $450,000. Today, you are limited by your contribution of $19500, but it sounds like the credit can be worth more under Biden's plan.
不过归根结底 两党的政策 都是为超富服务的。 所以他们所有政策都是转移美国的真正矛盾：bottom 99.9% vs 0.1%。让你们下面的人自己斗，收入50k vs 200k, abortion, religion。。。
那，可有什么办法不斗而联合呢？
富人谁在乎存401k, 就是中产养老的方式。说什么收富人税，最后都是收到中产身上.
The tax advantage of contributing to a 401(k) would be reduced for higher earners and increase for low and middle earners. The creation of an automatic 401(k) for workers without access to a workplace retirement account.
这两条都不错嘛。make sense.
巨富的钱都在企业里面避税，巴菲特说自己的税率比自己的秘书还低。
美国不动巨富，永远也好不了。
同感。挣1m的哪里在乎那点401k
什么时候敢提捐赠抵税有上限，不能超过一百万，那才是动巨富的蛋糕
第二条听上去就是没有401的小企业也可以存了？那对股市很利好吧
这个26%是联邦税率吧？州税还能deductible吗，如果加上state的10%，貌似延税更多了
哦，对了，改credit了，不是deductible。
貌似唯一的好处是家里蹲老婆挂个职位也可以去存401k了
没有401k，我敢说大部分中产除了房子没啥钱了，“迷之自信”炒股的估计90%都会输钱。
民主党，就是想均贫富，走社会主义“一锅烂”路线。
退休后为什么没有deduction?
很难通过吧，花街要不答应了，不存401k，房子更要涨价了，不然，现钞贬值厉害，老了怎么办
所有中产可以存after tax
应该会很高兴吧？我们这边的华人左派呼吁回馈社会因为华人收入高
不想着如何开源，就想着如何分配别人的钱更“公平”些，这个401K最多是个20000*(37%-26%)=2200的事，纯粹属于转移注意力，从中产给低收入分配一些利益。
幼稚了。。。
不强烈反抗，社会主义左派会高举道德大旗，得寸进尺，会一件件把中产的财富剥离出来。。。这是历史的经验。。。
告诉你们那的华人，请忽略我们贫困线下的家庭。养自己家都不够呢。
不管谁在台上，人家玩的就是割韭菜啊
羊毛出在羊身上，同学们。大家存401K是因为公司match，小企业不match，你自己存的是你自己的钱，跟放银行里没差别。把税法搞的越来越复杂，妈蛋的。
就是让中产，先吐出来“现在”的钱，今后的钱许个愿景，留给几十年以后的执政者再说。。。。
对啊，尤其微信文章，每天都是炸了，惊了，跪了，
那作为韭菜能做点什么呢？
现在的税都是怎么收的，有分企业税和个人税之类的吗？
全球资本碾死屁民就像碾死个臭虫。deplorables
真要算清楚的话...
假设没有match（估计match部分也要交税差了），401k limit $20k, and marginal tax rate is 37%.
Plan 1: no 401k, $20000 becomes $12600 after tax, you spend this $12600 for travel, food, or whatever.. no tax worry in the future!
Plan 2: no 401k, $20000 becomes $12600 after tax, you invest this $12600 in house or stock index. As long as you don''t cash out, it''s like a tax-deferred investment and you will pay long-term capital gain tax in the end. This rate is likely (but Biden may want to change it) lower than normal income rate that you will pay with 401k.
Plan 3: still go with 401k, you will have $20000 to start ar tax-deferred investment, in the mean time you pay $2200 tax (37% - 26%) so it will hurt your other investment a little bit.
In the end, you may need to withdraw the money in either plan 2 or 3, and pay whatever tax rate at that time. Notice you could end up paying more than the max tax rate in total. For example, you have paid 11% at the beginning, and you may still pay 37% or an even higher rate 20 or 30 years later (image US tax rate may rise up to 60% and if you are rich at that time..)
In general plan 3 should still be better than plan 2 because you have a larger amount to start the tax-deferred investment, unless you really want to use every extra penny to do some investment that you can''t do with 401k, such as buying investment properties. That will become hard to compare since the return may be totally different.
连应对疫情都是一坨💩
re
可惜网上一帮人跟着领馆人员还为人家欢呼呢
这个完全是在弄工薪阶级。
谁赚1m以上的是在靠401k那点钱养老。
还交，因为给你credit了
所以还不如不存，要是退休时还有不少收入税率也不低，还可以通过longterm capital 降税（如果还在的话），亏了钱可以当年抵税
这个plan 2，搞不好需要重新计划，因为有在考虑对unrealized capital gain 征税。 真是疯狂...
民主党的金主会花钱选个代言人割自己韭菜？就这一条对民主党搞社会主义的动机你就一目了然了，哪里需要分析那么多具体措施，裹再多甜言蜜语你也能一眼看到本质。
和国内感觉一样 都是然后中下层互斗 上层是完全超然在这些之外
这块是大蛋糕，没人敢动，也不会动，因为是政客背后真正的支撑
不要觉得今天放过了你，那只是还没养肥。
filibuster了解下。。。
你先了解下什么是半数通过什么是多数 supermajority通过吧
欧美这疫情除了打疫苗，其它谁在台上都没用，说什么好听的也都没用。
看提案是对税率在26%以下的有好处吧
对200一下没影响。但agi高了
26%是对于所有401k flat rate么？ 那样很合算啊 现在2020 single的 联邦税 收入20W的整体税率是22%-23%这样吧 我没记错的话 就看新规定里对state tax怎么处理了
不过不觉得这么大的变动能轻松pass congress
给credit就是州税也得交。我觉得除非把salt的cap取消，不然肯定是要多交税。
据说主党在考虑废掉这个
知道什么是多数再来喷
401k 省掉的是你的marginal tax rate， 也就是你收入能hit 的最高的那个bracket. 不是你的平均税率。
这个影响和你的marginal tax rate相关，不能用平均税率算。
This is a good point. 现在用tax credit ，取出来用的时候还要交税，这是多重征税。
Marginal rate 20% 以上的就吃亏
注意这个26% 是税后的钱的26%
例子 假设你marginal 20% 现在 100块收入 contribute 100块 省 20块税
新政 100块收入 交税后80 contribute 80 给你26% credit 等于 20块
所以对于marginal rate 20%的人持平 高的吃亏 低的得利
没有意义，前面回复的很好了。需要401k养老的都不是什么富人。富人早可以退休。
是，貌似换成credit，agi那部分联邦税、州税、payrolltax合一起边际得有40%了。查了一下，现在401k也要付payroll的tax。
这样一算现在就算是给26%credit，但是算上州税和payroll，税率优惠就不到26%了，很可能就只有13%了。
退休时即使搬到没有州税的州，401k取的时候个税在4万以上就是22%的税率了，我怎么算算这样存401k要多付税了。
感觉如果真要实施的话，也就最多存到match的部分，剩下的存完roth ira，不如自己股票账号里买基金长期持有了。
所以你的意思是，拜登这个就是撸有钱人的羊毛？中产觉醒就这么难么？401k总共就两万不到，改成credit最大的好处是你的gross income直接上去了。你觉得有钱人会在乎401k?
roth至少只被割一茬，败版401k要被割二茬啊
学习日本，遗产重税，就可以减少贫富差距，增加社会的稳定性。
你想的美呢 富人避税多得很 再不济，对开几个跨国贸易公司 Transfer 玩得溜溜的 你那点遗产税算个啥 人家早就设立各项基金
多交税和被人指着鼻子骂娘，你选哪个？
说得太有道理了。
总结得太好了。
这问题我赌两毛钱国内的
特别低价地交易一两股。以后12月31号
穷人和中产不斗争 联合起来把富人干掉 那就是革命了
这个改变并不是加税给政府增加收入，而是调整了一下低收入和中产的分配，税率高于26%的人去补贴低于26%的，就是挑拨一下群众玩。