退休帐户的问题-第1页

usayahoo

0操作1 ^#

退休帐户的问题

各位大侠：
请问一个退休帐户的问题：
我公司有401k，但没有match，所以我只投了一点钱在401k。 401k performance 太差，所以我想停掉401k contribution。我不知道是否
我还可以开traditonal-deductible ira and tradtional-non-deductible ira帐户并且投钱吗？我已经投了4000进入roth ira 帐户，这是否意味着我不能在其他ira帐户放钱了？
先谢谢各位了。

pwwp

0操作2 ^#

好问题，虽然不知道怎么回答，希望高手出来解决，也有奖励哦。 [em14]

[此贴子已经被作者于2005-8-4 13:13:20编辑过]

tudoutudou

0操作3 ^#

如果你已经投了4000到ROTH, 那你今年就不能再往传统IRA里面投钱了.因为它们分享一个上限. 不过一般来讲,ROTH是比TRADITIONAL好的.

hzhch

0操作4 ^#

No, you can not have other IRA accounts if you already have Roth IRA account.

IMHO, it is a good idea to keep your 401k account because it is tax defered.

Even you don't have match, you still have extra money working for you.

Also, it might low your tax bracket.

It is ok that in short term it doesn't perform well. If stock funds in
your 401k account performed terribly for a long time, you can buy
money market funds or bond funds. Later

when you change your job, you can roll it into a better plan.