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Which Is the Best Option for You: Roth 401k or Traditional 401k?

When saving money through your job’s retirement plan , you often get to choose between Roth 401(k) vs. traditional 401(k) contributions. So, which is best? The choice comes down to when you want to pay taxes and other factors. - With Roth 401(k) contributions, you pay tax on all of your income today, but you ideally get tax-free income in retirement. For that to work, you need to satisfy specific IRS rules. - With traditional pre-tax 401(k), you reduce your income by the amount you contribute to the plan. That helps you save on taxes this year, and it might make it easier to save money in your plan. 🌞 Subscribe to this channel (it's free): Get free retirement planning resources: 🔑 9 Keys to Retirement Planning 🐢 6 Safest Investments Note that this applies to other types of plans as well. For example, if you have Roth 403(b), 457, or TSP—or even Roth Solo 401(k)—things are similar. Check with your plan administrator and tax expert just to be sure. Info from thi

投资理财第50期:IRA到Roth 或后门Roth的Pro rata rule,公司退休金税前税后的401k或403转出来要遵循pro rata规则吗?年底roll over要注意不要踩坑喔。

年底了,Roth conversion 的要注意了!!别踩坑喔! IRA Conversion 有 Pro Rata 规则,那么公司的退休金呢? 什么情况下没有Pro-Rata呢? ****** 欢迎大家继续订阅《潘老师小课堂》,退休生活有保障! 想了解更详细的内容,或者有任何有关退休,年金,人寿保险,医疗保险,税务规划等等方面的,可以跟我们联系: email:panfinancialinc@gmail.com 微信:pan-financial-inc 往期其他节目: 第 9 期: 退休或离职后公司退休金,401(k)/403 B 怎么投资怎么管理比较好? 第3期: Roth IRA Backdoor & Conversion; 什么情况下IRA可以抵税;Conversion注意的税务问题; 第2期: 退休省税 Roth IRA: 为什么要Roth IRA? 能放多少? 什么时候领钱没有罚款? 第1期: 退休省税 Traditional IRA: IRA 什么情况下出现的? 可以省现在的税吗? 什么时候取钱没有罚款? 有RMD吗? ... ( read more ) LEARN MORE ABOUT: IRA Accounts INVESTING IN A GOLD IRA: Gold IRA Account INVESTING IN A SILVER IRA: Silver IRA Account REVEALED: Best Gold Backed IRA https://inflationprotection.org/%e6%8a%95%e8%b5%84%e7%90%86%e8%b4%a2%e7%ac%ac50%e6%9c%9f%ef%bc%9aira%e5%88%b0roth-%e6%88%96%e5%90%8e%e9%97%a8roth%e7%9a%84pro-rata-rule%ef%bc%8c%e5%85%ac%e5%8f%b8%e9%80%80%e4%bc%91%e9%87%91%e7%a8%8e/?feed_id=57786&_unique_id=63b8ec8f2eb42 #Inflation #Retirement #GoldIRA #