cover of episode Traditional or Roth: Breaking Down Retirement Accounts

Traditional or Roth: Breaking Down Retirement Accounts

2018/6/19
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Stay Wealthy Retirement Podcast
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Taylor Schulte和John深入探讨了传统退休账户和Roth退休账户的优缺点。他们指出，传统账户提供当前的税收减免，但在退休时需要对提取的款项缴税。而Roth账户则在供款时缴税，但在退休时提取款项无需缴税。他们比较了两种账户在税收优惠、强制最低提取额（RMD）、灵活性以及长期税务负担等方面的差异。他们认为，对于大多数人来说，Roth账户是更好的选择，因为它可以节省更多资金，避免RMD的限制，并提供更大的灵活性。然而，他们也承认，对于一些纪律严明且追求提前退休的投资者来说，传统账户结合Roth转换策略可能更有效。他们还讨论了投资退休账户时应优先选择低成本、多元化的投资选项，并提醒人们在将资金存入退休账户后，还需要进行投资操作，否则资金会闲置。 John补充了Taylor的观点，并提供了具体的案例分析，比较了在传统401k和Roth 401k中投资18500美元的税务影响。他强调了税收退款再投资的重要性，以及Roth账户在避免RMD和提供长期税收优惠方面的优势。他还分享了自己使用Roth IRA购房的经验，说明了Roth账户的灵活性。John还解释了在提前退休策略中，传统IRA结合Roth转换策略的运用，以及这种策略的复杂性和适用人群。最后，John再次强调了低成本投资和多元化投资的重要性，并建议投资者在选择投资产品时，要仔细研究费用率，并选择费用最低的产品。

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The episode discusses the primary reason for using qualified retirement accounts, which is the tax benefit that allows investments to grow tax-deferred, enhancing the overall growth potential.

Shownotes Transcript

Just about everyone saving for retirement is faced with the option: Traditional or Roth. 

It doesn't matter if you are saving for retirement through an Individual Retirement Account (IRA) or a company-sponsored plan like a 401(k) or 403(b).

You typically have the ability to choose between these two options.

Unfortunately, most people default to choosing the wrong option and they could be missing out on tens of thousands of extra dollars in their retirement accounts.

In today's episode, you will learn:

  • Why we put money in retirement accounts to begin with
  • The rules of thumb for choosing a retirement account and why you might not want to follow them
  • Which type of retirement account - Traditional or Roth - is the best option (for most people)
  • The flipside of the argument so you make an informed decision about what is best for you
  • A common misconception about retirement accounts and how to address this
  • One super simple trick for choosing the best investment options in your retirement account

If you want to save more money, reduce your future tax bill, and invest smarter, you don't want to miss today's episode.  

Show notes: www.youstaywealthy.com/24) 

DISCLAIMER: This podcast is for informational and entertainment purposes only and should not be relied upon as a basis for investment decisions. This podcast is not engaged in rendering legal, financial, or other professional services.