你会存Mega IRA吗?

Mega IRA要401k多交,但收益部分还是要等老了才能取。这么看吸引力也没那么大啊?大家一般考虑每年搞多少Mega IRA啊?我现在每年就放个一两万进去。

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存。但这笔钱不出意外的话,我们这辈子是用不上了,留给孩子吧。Roth IRA最大的好处就是70岁以后没有RMD,所以可以一直taxfree增长到死。

当然了,现在这个世界天天出意外。钱能花掉还是最好的选择。

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存,不能取没关系,看帐户上有钱心里踏实

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我也赞同。华人家庭很多挣钱还是为了孩子,Mega IRA的好处就是能给孩子留下不少钱。

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如果你消费比较高 有可能年轻时候就用得到这笔钱 不存也罢;如果你收入高到了怎么消费也肯定剩下些钱 那自然还是搞到这种免税账户里好。

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每年最多是两万多吗?

mega backdoor roth 本金可以随时取,如果只是在60岁以前想用本金,那肯定是mega backdoor roth有利,因为其在roth ira里的增长是免税的。

roth ira只有在取完了regular contribution,taxable conversion,nontaxable conversion之后才轮到收益。
到了取收益的那一刻,roth ira自己存进去的部分已经全部取完了。

要计算一下自己的消费能不能到那个程度。

说到底这是一退休账户,如果在退休以前就要用收益,taxable account更好。

57k - employee match - 401k

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关于mega backdoor的limit我要再解释一下。

401k今年的limit是 19.5k。这个是elective deferral limit per person per year。
401k的57k limit是per plan,mega backdoor 的limit是根据401k 的limit计算出来的,即总的57k,减去401k contribution部分,再减去employer match。

57k的limit 是 per plan,如果换工作的话,该limit会重置。
所以一个人一年不管换几个工作,401k 的elective deferral 只有 19.5k(不考虑catch up)。
但是mega backdoor,也就是 after-tax 401k的limit 可以翻倍。

mega backdoor limit = 57 k * plans - 401k elective deferral - employer match。

roth 爱好者可以一年换几个工作,mega backdoor 就能翻几倍。

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不存,一方面mega IRA需要雇主支持,另一方面max out了401K, ROTH和HSA实在也没钱存了

存满。即使存满离FIRE还远得很

$57,000不是per plan的啊 IRS规定每年每个人的limit吧?

请问有相关的link吗?

irs网站上有说明和例子。

Total annual contributions (annual additions) to all of your accounts in plans maintained by one employer (and any related employer) are limited.

看一下这个例子:

Example 1 : In 2019, Greg, 46, is employed by an employer with a 401(k) plan, and he also works as an independent contractor for an unrelated business and sets up a solo 401(k). Greg contributes the maximum amount to his employer’s 401(k) plan for 2019, $19,000. He would also like to contribute the maximum amount to his solo 401(k) plan. He is not able to make further elective deferrals to his solo 401(k) plan because he has already contributed his personal maximum, $19,000. He would also like to contribute the maximum amount to his solo 401(k) plan.

Greg is not able to make further elective salary deferrals to his solo 401(k) plan because he has already contributed his personal maximum, $19,000, to his employer’s plan. However, he has enough earned income from his business to contribute the overall maximum for the year, $56,000. Greg can make a nonelective contribution of $56,000 to his solo 401(k) plan. This $56,000 limit is not reduced by the elective deferrals Greg made under his employer’s plan because the limit on annual additions applies to each plan separately.

:+1: 多谢!

貌似IRA账户不让买卖option,也不能加margin,所以不搞,只存满pre-tax 401K完事。

理论上是这样的,但是大部分企业都会限制你每张pay check能够存到Mega Backdoor IRA的百分比,比如每张pay check的15%能存等等。这样即使你多次跳槽也很难翻几倍,除非你的工资类似于Netflix 之类的全都是cash,不然高级码农20多W的base基本上也要下半年才能存满。