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普通人401K的錢可能要交40%稅!

(2021-05-16 08:22:05) 下一個

https://bbs.wenxuecity.com/tzlc/1480994.html

這篇博文以作者( )的親身退休體會講明了,如果不小心規劃,一個普通收入者的401K的錢拿出來時稅率會比現在高很多!可能高達40%!

這樣我們的401K的低稅率策略不就完全失敗了嗎?

諸位看官,我們都需要細細思考這個問題!

如果隻能記住一句話,這句話就是:拿了社保之後,每從401K取一塊錢,社保的0.85元就需要交稅!

五月18日更新:

這個英文網站比較詳細:

https://www.investopedia.com/ask/answers/013015/how-can-i-avoid-paying-taxes-my-social-security-income.asp

這篇文章要點(KEY TAKEAWAYS):

  • Up to 50% of Social Security income is taxable for individuals with a total gross income including Social Security of at least $25,000, or couples filing jointly with a combined gross income of at least $32,000.
  • Up to 85% of Social Security benefits are taxable for an individual with a combined gross income of at least $34,000, or a couple filing jointly with a combined gross income of at least $44,000.
  • Retirees who have little income other than Social Security won't be taxed on their benefits. In fact, you may not even have to file a return.
  • Your focus should be on paying less overall taxes on your combined income.
  • A tax-advantaged retirement account like a Roth IRA can help.
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