tz2000 發表評論於 2025-09-24 14:49:28
沒啥大不了，退休後稅率不見得低，交Roth可能更好
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yeah there is a saying that one should convert some of 401a/traditional ira to roth now, as starting at 70 the conversion is mandatory that could drive the tax rate to a higher bracket.
sunflower17 發表評論於 2025-09-24 18:21:00
我今年401k全放到Roth 401k裏了，就怕退休後pre tax裏的錢太多
河套人 發表評論於 2025-09-24 17:36:31
2026年401k重要變化:
高收入者必須補繳 Roth 賬戶：如果你的2025年工資超過15萬美元，那麽在 2026 年向 401(k) 賬戶繳納的任何補繳款項都必須轉入 Roth（稅後）賬戶。
Important 2026 401k change:
Mandatory Roth catch-up for high earners: If your wages from an employer were over $150,000 in 2025, any catch-up contributions you make to a 401(k) in 2026 must be made to a Roth (after-tax) account.
那你為什麽不把所有401k都存入Roth呢？
基本上"高"收入年份無法獲得稅收減免,還管以後
這也是政府希望能立即從高收入者那裏獲得更多稅收