如果觉得退休后不需要花太多退休账户里的钱, 是不是应该尽早把普通的IRA转到Roth IRA? 因为ROTH IRA可以一直不用而留给子女,并且子女也不需要交税。
&& 股市下行时操作……个人感觉哈
转不转主要是看对自己是否有利吧。
2,收入少的年份就转一些; 3。两人里到了59。5,一个先退,不退的可以考虑多放Roth,同时从tax-deferred account取钱用。。。
请问不退的为什么要从tax-deferred account里取钱用?不是有penalty吗?tax-deferred account里取的钱是capital gain, 对吗?
Traditional 401(k) withdrawals are considered income (regardless of your age). However, you won't pay capital gains taxes on these funds.
如果觉得退休后不需要花太多退休账户里的钱, 是不是应该尽早把普通的IRA转到Roth IRA? 因为ROTH IRA可以一直不用而留给子女,并且子女也不需要交税。
&& 股市下行时操作……个人感觉哈
转不转主要是看对自己是否有利吧。
2,收入少的年份就转一些;
3。两人里到了59。5,一个先退,不退的可以考虑多放Roth,同时从tax-deferred account取钱用。。。
请问不退的为什么要从tax-deferred account里取钱用?不是有penalty吗?tax-deferred account里取的钱是capital gain, 对吗?
Is a 401(K) Withdrawal Considered Earned Income or Capital Gains?
Traditional 401(k) withdrawals are considered income (regardless of your age). However, you won't pay capital gains taxes on these funds.