公司沒有401K,要如何節稅? - 海外工作
By Sierra Rose
at 2008-05-19T03:57
at 2008-05-19T03:57
Table of Contents
※ 引述《roselike (roselike)》之銘言:
: 公司是新成立的小公司,所以沒有401K(也沒有保險),
: 請問要如何將收入可以不用都 taxable?
: 如果都拿去定存,利息又會再被剝一層皮。
: 要如何理財呢?
: 目前沒有打算要買房子,也沒有小孩,夫妻都有收入。
: 我查過精華區,好像沒有這方面的資訊,請各位大大提供一些建議,謝謝!
可去台大揶林abroad版精華區
當然是每人每年traditional IRA $5000,到退休年齡才可領出(59.5)
領出時要照當時稅率繳稅,所以有人建議若認為自己退休前的收入比現在少,則可放入
traditional IRA
另外有一種不能節稅的Roth IRA也是每人每年$5000,建立帳戶後的五年後就可以
領出買房子,這是你稅後的錢,因為是稅後的,所以這筆錢所投資賺的錢全部免稅
投資理財專家通常建議先放 401K若公司有依比例match->Roth IRA放滿->
再放401K 公司不match的部分,如果你預期59.5歲後的收入稅率比現在高的話
當然如果你預期退休後的稅率比現在低,那就放traditional IRA
--
: 公司是新成立的小公司,所以沒有401K(也沒有保險),
: 請問要如何將收入可以不用都 taxable?
: 如果都拿去定存,利息又會再被剝一層皮。
: 要如何理財呢?
: 目前沒有打算要買房子,也沒有小孩,夫妻都有收入。
: 我查過精華區,好像沒有這方面的資訊,請各位大大提供一些建議,謝謝!
可去台大揶林abroad版精華區
當然是每人每年traditional IRA $5000,到退休年齡才可領出(59.5)
領出時要照當時稅率繳稅,所以有人建議若認為自己退休前的收入比現在少,則可放入
traditional IRA
另外有一種不能節稅的Roth IRA也是每人每年$5000,建立帳戶後的五年後就可以
領出買房子,這是你稅後的錢,因為是稅後的,所以這筆錢所投資賺的錢全部免稅
投資理財專家通常建議先放 401K若公司有依比例match->Roth IRA放滿->
再放401K 公司不match的部分,如果你預期59.5歲後的收入稅率比現在高的話
當然如果你預期退休後的稅率比現在低,那就放traditional IRA
--
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