谢谢大家。又做了一下功课，应该是traditional IRA 会延迟在取出时才算收入税，Roth IRA则不须付任何gain tax或distribution tax. In a traditional IRA, sales of investments inside your retirement account have no immediate tax impact. Any gain is deferred, and for traditional IRAs, any tax on that gain or other elements of the account''s income isn''t due until money is withdrawn. Moreover, at that point, the IRS no longer cares whether the income generated was short-term or long-term in nature; it will charge the ordinary income tax rate regardless. Roth IRAs add tax-free treatment to the mix. You don''t get an up-front deduction for Roth IRA contributions, but the payback is that there''s no tax on distributions in the future, either. Therefore you never pay taxes on short-term or long-term gains in a Roth IRA. The whole question is rendered moot. https://www.fool.com/knowledge-center/roth-ira-short-term-gains-vs-long-term-gains.aspx
on the flip side, if you lose big in your 401K/IRA, you don't get to write off 3K a year for 100 years. Everyone here seemed to assume the market always go up indifinitely and housing price too?
不知这个理解是否正确？
错
应该不正确。 pre-tax账户如果不是很快要开始取钱出来，怎么折腾也没有税的问题。赚了不交gain税，但是赔了也不能claim loss。
In a traditional IRA, sales of investments inside your retirement account have no immediate tax impact. Any gain is deferred, and for traditional IRAs, any tax on that gain or other elements of the account''s income isn''t due until money is withdrawn. Moreover, at that point, the IRS no longer cares whether the income generated was short-term or long-term in nature; it will charge the ordinary income tax rate regardless.
Roth IRAs add tax-free treatment to the mix. You don''t get an up-front deduction for Roth IRA contributions, but the payback is that there''s no tax on distributions in the future, either. Therefore you never pay taxes on short-term or long-term gains in a Roth IRA. The whole question is rendered moot.
https://www.fool.com/knowledge-center/roth-ira-short-term-gains-vs-long-term-gains.aspx
401K账户买卖股票要2天SETTLE，你怎么进出多次？CASH足够？
limited margin
不投资不够养老的
咋申请的，fidelity brokeragelink并不支持margin
fidelity的我不清楚，好像得打电话开通，需要账号一直保持2.5W以上额度，etrade的直接网上开通。