一个老话题,确定几年内会回国究竟应该存多少401k

没有treaty是flat rate 30%,但中美有treaty

Article 14, paragraph 1: 你在美国雇主处获得的收入在美国缴税。

  1. Subject to the provisions of Articles 15, 17, 18, 19 and 20, salaries, wages and other similar remuneration derived by a resident of a Contracting State in respect of an employment shall be taxable only in that Contracting State unless the employment is exercised in the other Contracting State. If the employment is so exercised, such remuneration as is derived therefrom may be taxed in that other Contracting State.

Article 17, paragraph 1: 退休金是在美国雇主获得的也在只在美国缴税。

  1. Subject to the provisions of paragraph 2 of Article 18, pensions and other similar remuneration paid to a resident of a Contracting State in consideration of past employment shall be taxable only in that Contracting State.

所以用的是美国的税率,且不会双重征税。

又不是缺这几个钱,不如拿来炒股一直到69岁再拿出来,是不是就没有惩罚了。

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原来这样 感觉lz这种情况该无脑存满Traditional 401K, Roth和after-tax 401k就没必要存了 不如直接拿钱买回国后nra还没有capital tax

如果在CA这样高州税的州工作,无脑存满,放在里面投资,即使取出来也不过是10%的罚款,跟工作的时候州税差不多。而联邦税在取的时候可要少交很多。