一張圖看懂美國免稅、延稅退休、教育和醫療賬戶

A picture is worth a thousand words.

一張圖片可以表達千言萬語。

試著用一張圖來看懂美國免稅、延稅退休、教育和醫療賬戶。

1&2象限：After-tax contributions

3&4象限：Pre-tax contributions

1&3象限：Tax free for designated purposes such as retirement, education, or health care.

2&4象限：Gains are tax-deferred. All accounts except Roth 401k are subject to RMD (Required Minimum Distribution).

具體細節可以參考若幹網友的博客/帖子，比如“矽穀居士”，“QuantFields”，“hhtt“等等。

如有謬誤，還請網友指正。