发信人: NaperDad (NapervilleDad), 信区: Chicago
标 题: Re: 关于养老投资的建议 (转载)
发信站: BBS 未名空间站 (Tue Apr 28 11:16:37 2015, 美东)
1. No tax and no penalty for withdrawing Roth IRA contributions. You paid
tax on them already.
2. For Earnings (the gains), which you haven't been taxed on, early
withdrawals may lead to tax and penalty with some exceptions like (subject
to 5 years rule):
1) no tax and no penalty if used to buy first home;
2) if disabled;
3) taxable but no 10% penalty if used for qualified higher education
But please do NOT take ROTH distributions. Leave it to your children. They
don't have to pay any tax on it. They will have to take required minimum
distributions each year based on their life expectancies. But for a 45 years
old, he or she will only need to take about 1/40 each year, and leave the
remaining amount for growth. This is the best wealth accumulation vehicle
out there. SO NEVER USE THE ROTH IRA MONEY!!! :-)
Don't have a Roth IRA, open one now.
Earn too much, google back door Roth.
【 在 chinesecpa (quantumplanner) 的大作中提到: 】
: 对于roth 的本金问题，好像挺复杂，我又查了一查，这个网站summary的比较清楚，如
: 果roth 自己的contribution的话，连5year 的rule 都不用，看来我的理解有错误的地
: 方，但是也得怪irs 怎么简单的rule 写的太复杂
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