關於401K的問題 - 海外工作
By Noah
at 2015-03-25T15:47
at 2015-03-25T15:47
Table of Contents
小弟不才將於今年七或八月到加州工作，公司有提供Traditional 401K跟Roth 401K，
二者合計最高可投入60%的薪資。
我爬了一些資料，想知道我的理解是否正確，我目前已婚無小孩，老婆今年也會過去。
Trad. 401K，今年是18000的免稅額，所以超過的部份今年一樣要課稅，正確嗎?
此部分，老年領回的退休金要課稅? 此外投資收益要課稅嗎?
Roth 401K，當年投入的金額要課稅，但投資收益及日後的退休金不課所得稅，正確嗎?
所以我最好的方法是否是將18000投入 Trad. 401K，並根據我的能力將其餘金額投入
Roth 401K?
還有其他的選擇嗎?
感謝回答
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海外工作
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