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Vivinavi Los Angelesリタイアメントプランについて
- #1
-
- ２９
- 2004/11/16 19:07
私はロス在住２９歳独身です。アメリカで老後を不安なく送る為に今からやっておくべきリタイアメントプラン等をご存じてしたら教えて下さい。ＩＲＡについても詳しく説明して頂ければ嬉しいです。
- #2
-
- David2003
- 2004/11/16 (Tue) 20:43
- Report
とぴ主さん、ここではあまり詳しくは教えてもらう事は出来ないですよ。だから、E-Mailアドレスを残された方がいいですよ。
理由は、ライセンスなどで公にする事が出来ないので。
以上の事柄で、E-Mailアドレスを残された方がいいですよ。
- #3
-
- Recess
- 2004/11/16 (Tue) 23:00
- Report
ファイナンシャルプランナーは、「IRAが一番いい」と言っていましたが本当ですね。リスクが全く無い訳ではありませんが、投資額によってはどんどん増えますよぉ。でも、６５歳まで引き出せません。銀行で詳しく説明してくれます。
お店をやっているある方はSS払っていないから、老後は部屋を貸してなんとかするそうです。
最大のリタイアメントプランは、無収入に近い老後には家のローンを払わなくてもいいようになっていることだと思います。住居は高いですからね。
みなさん、リタイアメントプランはしっかりやっていますか？私はまあまあやっていますが。
- #4
-
IRAは2種類あります
１．Traditonal IRA
税金控除と税金の据え置き、引き 出しの際全額課税
２．Roth IRA
控除無し、引き出しの際全く無税
59･1/2 歳から早期引き出しペナルティ無しで引き出せます。
子供の高等教育の為の引き出し
初めて購入する家の為の引き出し
（1人$10,000)はIRSの早期引き出しのペナルティはありません（10％）
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