賬戶的安全性 - 把401K裏的錢轉到IRA裏的決定對嗎

1.      To Perform a Rollover or Not  

I consider this to be the no-brainer aspect. A rollover into an IRA is simply much more valuable for the reasons we discussed. 

2.      Traditional IRA or Roth IRA  

As discussed, the Roth IRA will grow tax-free for life, if you pay the taxes now on the principal. 

3.      Account Type To Utilize 

Advisory: Professionally managed account with an annual fee of 1.7%. This is a nice “set it and forget it” account. 

Rollover Annuity: Tied to the S&P 500 (or another market index) with zero fees. Your rollover amount is guaranteed. In other words, you can’t lose any money in this account. This also comes with a potential ceiling to growth. 

我對他的推薦存疑，就自己網上看了一下。 發現一個關鍵點，資金的安全性。就是在被債權人討債或者破產的時候，哪些賬戶是安全的。，ERISA-qualified的賬戶包括HSA, 401k, pension, Social security.  但IRA裏的錢是不被保護的 . 所以大家在轉錢的時候要三思。雖然都有保險傘險啥的，那種被追債的可能性非常非常小，但萬一尼？這個考慮對嗎？ 

所有跟帖： 

• 甘蔗沒有兩頭甜 -蓬萊閣21- ♂ (0 bytes) () 02/17/2024 postreply 22:35:15

• 那應該多，買傘險？ -springfun- ♀ (0 bytes) () 02/18/2024 postreply 06:51:47

• 的確是個考量，不過有幾個州還是保護的。 -start2020- ♀ (0 bytes) () 02/18/2024 postreply 07:34:41

• 投壇有個帖子關於這個 -start2020- ♀ (53 bytes) () 02/18/2024 postreply 07:40:12