l******u
发帖数: 3169 | 1 新手上路，已经看了不少介绍。
还是关于traditional or Roth的问题。退休后，可不可以第一年从roth多取一些因为
不用交税，然后第二年再从traditional里面少取一些可以降到小一些的tax bracket，
不够就用前一年剩的？
如果这样的话，假如多取和少取的比例要达到2~3比1才能make difference，是不是这
个就可以是roth versus traditional的比例？
新手想当然了。。。欢迎大家来拍！ |
m****u
发帖数: 229 | 2 littlesu: I read your post three times already and I still can't understand
what you are saying.
You said "退休后，可不可以第一年从roth多取一些因为不用交税，"
I think that's fine. You can do whatever u want with your Roth IRA money
without paying tax once you are retired.
I am really confused about "然后第二年再从traditional里面少取一些可以降到小
一些的tax bracket，"
I want to know how about you just dont take anything out until you need it
or age 70?
Finally, you said "不够就用前一年剩的？"
What are you talking about? What's the left over from prev |
h****d
发帖数: 322 | 3 You are so nice :)
understand
【在 m****u 的大作中提到】
: littlesu: I read your post three times already and I still can't understand
: what you are saying.
: You said "退休后，可不可以第一年从roth多取一些因为不用交税，"
: I think that's fine. You can do whatever u want with your Roth IRA money
: without paying tax once you are retired.
: I am really confused about "然后第二年再从traditional里面少取一些可以降到小
: 一些的tax bracket，"
: I want to know how about you just dont take anything out until you need it
: or age 70?
: Finally, you said "不够就用前一年剩的？"
|
l******u
发帖数: 3169 | 4 太nice了！谢谢！
我的想法可能有问题哈，要不就不是新手了。
我是这样认为的，退休账户里面的钱就是相当于退休没有收入了之后，自己给自己发工
资。而traditional的账户，因为是tax-deferred，所以取的时候相当于要交税，取得
多tax braket也就高。比如我们现在的总收入是15万，但是需要供房子养孩子，有不少
deductible，相对来说是处于人生中税比较轻的阶段，这样先缴税，再存Roth IRA比较
划算。等我们房子付清了，孩子长大了，可能收入还会比现在多些，那个时候税加重了
，所以存traditional的比较合适。这是从存钱的角度说。
相应的，如果从取钱的角度说，某一年取得多了，就应该从Roth里取。相反，如果需要
的少则应该从traditional里面取，这样当年的AGI岂不是低些，少交一些税？
这个理解对不？
understand
【在 m****u 的大作中提到】
: littlesu: I read your post three times already and I still can't understand
: what you are saying.
: You said "退休后，可不可以第一年从roth多取一些因为不用交税，"
: I think that's fine. You can do whatever u want with your Roth IRA money
: without paying tax once you are retired.
: I am really confused about "然后第二年再从traditional里面少取一些可以降到小
: 一些的tax bracket，"
: I want to know how about you just dont take anything out until you need it
: or age 70?
: Finally, you said "不够就用前一年剩的？"
|
l******u
发帖数: 3169 | 5 举双手赞成！
【在 h****d 的大作中提到】
: You are so nice :)
:
: understand
|
t***s
发帖数: 4666 | 6 why don't you withdraw, say $50k, from trad. ira every year and the rest
from roth?
【在 l******u 的大作中提到】
: 太nice了！谢谢！
: 我的想法可能有问题哈，要不就不是新手了。
: 我是这样认为的，退休账户里面的钱就是相当于退休没有收入了之后，自己给自己发工
: 资。而traditional的账户，因为是tax-deferred，所以取的时候相当于要交税，取得
: 多tax braket也就高。比如我们现在的总收入是15万，但是需要供房子养孩子，有不少
: deductible，相对来说是处于人生中税比较轻的阶段，这样先缴税，再存Roth IRA比较
: 划算。等我们房子付清了，孩子长大了，可能收入还会比现在多些，那个时候税加重了
: ，所以存traditional的比较合适。这是从存钱的角度说。
: 相应的，如果从取钱的角度说，某一年取得多了，就应该从Roth里取。相反，如果需要
: 的少则应该从traditional里面取，这样当年的AGI岂不是低些，少交一些税？
|
l******u
发帖数: 3169 | 7 In this case, will you be taxed based on your total AGI for the traidtional
part?Say if you withdraw 100k from Roth, it is still 150K?
【在 t***s 的大作中提到】
: why don't you withdraw, say $50k, from trad. ira every year and the rest
: from roth?
|
c*****x
发帖数: 429 | 8 These are generally the correct thoughts.
Predictions of future tax rates and your own income level are inherently
risky. So why not allocate your retirement money in both types of IRAs as
you see fit to hedge such risks?
【在 l******u 的大作中提到】
: 太nice了！谢谢！
: 我的想法可能有问题哈，要不就不是新手了。
: 我是这样认为的，退休账户里面的钱就是相当于退休没有收入了之后，自己给自己发工
: 资。而traditional的账户，因为是tax-deferred，所以取的时候相当于要交税，取得
: 多tax braket也就高。比如我们现在的总收入是15万，但是需要供房子养孩子，有不少
: deductible，相对来说是处于人生中税比较轻的阶段，这样先缴税，再存Roth IRA比较
: 划算。等我们房子付清了，孩子长大了，可能收入还会比现在多些，那个时候税加重了
: ，所以存traditional的比较合适。这是从存钱的角度说。
: 相应的，如果从取钱的角度说，某一年取得多了，就应该从Roth里取。相反，如果需要
: 的少则应该从traditional里面取，这样当年的AGI岂不是低些，少交一些税？
|
h****d
发帖数: 322 | 9 Of course not. AGI is your taxable income. Distribution from Roth is not
counted as taxable income. It would be better to read and learn more facts before using your imagination.
traidtional
【在 l******u 的大作中提到】
: In this case, will you be taxed based on your total AGI for the traidtional
: part?Say if you withdraw 100k from Roth, it is still 150K?
|
s**********d
发帖数: 36899 | 10 怕从taxable的取多了就从roth里现取就行了，不用前一年先多取。
取多了放银行里利息是要交税的。 |
m****u
发帖数: 229 | 11 littlesu: Why is it that I feel you are trying to gamble on the future tax
rate to decide how much money you want to bet on Trad. IRA or Roth IRA each
year? |
l******u
发帖数: 3169 | 12 谢谢大家的回答！我回去再做功课哈！
each
【在 m****u 的大作中提到】
: littlesu: Why is it that I feel you are trying to gamble on the future tax
: rate to decide how much money you want to bet on Trad. IRA or Roth IRA each
: year?
|
t***s
发帖数: 4666 | 13 i don't think it's gamble. it's more like hedging. we're paying known
price. it's like a forward.
each
【在 m****u 的大作中提到】
: littlesu: Why is it that I feel you are trying to gamble on the future tax
: rate to decide how much money you want to bet on Trad. IRA or Roth IRA each
: year?
|
