no employer match for both of them.
Which one should I choose,
I understand that could depend on my salary now vs after retirement incomes, so in that case preferably pre-tax.
But for roth 403b, the earnings will not be taxed, this is the good part of roth 403b.
So I see many people suggest roth 403b is better, but some also recommend pre-tax 403b?
Which one is better? Is my understanding correct?
Thanks,
太费脑,我图省心,明年起准备一半pretax,一半roth
你搞明白了自己的,还要搞明白网友的?LOL,赶紧数自己的前,三年后早退休。。。祝梦想成真!
如果选择Roth,退休后的税率对于投资这部分影响不大;如果选择税前投入,退休后的税率对最终的收益影响很大。万一税前存的太多,有可能会多交税。我建了一个模型分析过,比较复杂。最后觉得这几年投Roth,因为2026年可能税率会涨。
税率多少已经没有关系 因为 Roth 的 收益不用付税
另外一个朋友非常后悔当年買的AMZN 和 AAPL 沒有转进 Roth. 现在每年的 RMD 都交税交到心痛
所以任何一刀切的讲法也是耍流垊。要看自己的情况而定。
no employer match for both of them.
Which one should I choose,
I understand that could depend on my salary now vs after retirement incomes, so in that case preferably pre-tax.
But for roth 403b, the earnings will not be taxed, this is the good part of roth 403b.
So I see many people suggest roth 403b is better, but some also recommend pre-tax 403b?
Which one is better? Is my understanding correct?
Thanks,
太费脑,我图省心,明年起准备一半pretax,一半roth
你搞明白了自己的,还要搞明白网友的?LOL,赶紧数自己的前,三年后早退休。。。祝梦想成真!
如果选择Roth,退休后的税率对于投资这部分影响不大;如果选择税前投入,退休后的税率对最终的收益影响很大。万一税前存的太多,有可能会多交税。我建了一个模型分析过,比较复杂。最后觉得这几年投Roth,因为2026年可能税率会涨。
税率多少已经没有关系 因为 Roth 的 收益不用付税
另外一个朋友非常后悔当年買的AMZN 和 AAPL 沒有转进 Roth. 现在每年的 RMD 都交税交到心痛
所以任何一刀切的讲法也是耍流垊。要看自己的情况而定。