Topic: 401k Pre-Tax 와 Roth contribution Limit?? | WorkingUS.com

회사에서 401K 에 Pre-Tax 와 Roth 가 있습니다. 1년에 IRS limit 이 $18500 이라고 하는데 그게 Pre-tax + Roth 합한 금액인거죠? 제가 알기로는 Pre-Tax (일반적으로 얘기하는 401k) 가 18500 까지라고 알고있었는데, Roth 401K 도 거기에 포함되는것 같은데 맞는거죠? 워킹유에스 분들은 어떻게들 넣으시나요? 401K Roth 보다는 Roth IRA 가 더 나은가요? 401K Roth 를 넣으면 그만큼 PreTax 넣을수 있는게 줄어들...

Roth 401k 총정리 (세금 혜택, 한도, 패널티, 장단점 등)

Roth 401k는 고용주가 제공하는 401k의 한 종류입니다. 은퇴 준비에 있어서 Roth 방식의 계좌는 장점이 많은데요. Roth 401k 란 무엇이며, 세금 혜택과 불입 한도 및 패널티, 그리고 다른 은퇴 계좌와 비교해서 어떤 장단점이 있는지 정리하였습니다. Roth 401k는 2001년 발의된 세제 개혁안(EGTRRA)에 의해 도입된 401k로, 2006년부터 이미 401k를 가지고 있던 근로자들도 Roth 401k를 선택할 수 있게 되...

Roth IRA five-year rule: Here's what you need to know

In tax lingo, a Roth IRA withdrawal must be a “qualified distribution” to avoid taxes or penalties. Taxes on investment earnings are at “ordinary income” tax rates, not the...

401(k) Pre-Tax vs. After-Tax (Roth) 무엇이 더 좋은것일까?

요즘들어 회사에서 제공하는 은퇴플랜들이 보편화가 되어가며, 많은 사람들이 은퇴저축을 계획하며 마주치는 장벽들이 있다. 바로 Pre Tax (Traditional IRA, Traditional 401k)로 저축할 것인가, 아니면 After Tax (Roth IRA, Roth 401k)로 저축할 것인가 이다.

Roth IRA: What It Is and How to Open One

A Roth IRA is a special individual retirement account (IRA) in which you pay taxes on contributions, and then all future withdrawals are tax-free.

Roth or pre-tax retirement accounts: When each is best for savers

If higher, it makes sense to save in a Roth account now and pay taxes at your current, lower rate. If lower, saving in a pre-tax account and deferring your tax bill generally makes more...

How Roth IRA Taxes Work

With Roth IRAs, you pay taxes upfront, and qualified withdrawals are tax-free for both contributions and earnings.8 That is often the deciding factor when choosing between the two....

Roth IRA Conversion Rules

Tax Implications of Converting to a Roth IRA When you convert a traditional IRA to a Roth IRA, you will owe taxes on any money in the traditional IRA that would have been taxed when you...

Roth IRA Conversion: How It Works, Plus the Pros and Cons

Disadvantages of a Roth IRA Conversion Taxes Due Now The most significant disadvantage of converting to a Roth IRA is the potentially whopping tax bill. If, for example, you have $100,000...

Tax strategy of the rich, backdoor Roth survives in latest Democrat plan

local taxes. “Until we actually have a law, we can’t be sure what’s going to be in it,” Feuer cautioned. Current law disallows any contributions to Roth accounts for single...