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- 2 回复 bowser
- it doesn't work and never a good idea borrowing money from retirement account. why? because the 4.25% interest you will put back into retirement account is your after-tax money, and when you distribute them out in the future, you will need to pay tax again on it. So this part would be double-taxed. A very very bad idea.
- 1 回复 华东26
- bowser: it doesn't work and never a good idea borrowing money from retirement account. why? because the 4.25% interest you will put back into retirement acIf MoneyMarket interest is 0, then it is still worth it.
- 2 回复 德州龙
- bowser: it doesn't work and never a good idea borrowing money from retirement account. why? because the 4.25% interest you will put back into retirement ac不见得吧，以我为例，现在放在Money Market, 利息是1.25%，我还要付5%的Mortage（我这5%也是after tax)，那我如果自己借钱给自己，我的403B是4.25%（净挣3%），我也不用付那5%了，就算这3%将来要交税，也是大大地合算啊，再说，你就是挣20%将来也是要交税的啊
没看中地点～- 1 回复 德州龙
- ww_719: 我知道这方法,许多美国人都用这招,因为他们不存钱,借了银行借自己的,哈哈...但要按时还是非常非常重要的,而且据说这种借款的一个问题是,如果你突然失去了工作,那嗯，就适合我，工作还算稳定，Mortage也不多了，差不多可以在几年内付清，风险不大
- 1 回复 德州龙
- 户人: 首先，你在用这个方法时，已经把利息算了两次（4%+5%），这不对。另外，合算与否取决于401k里的增长率与HomeLoan利率之间的差额。举例来说：你更精通这个啊。你是对的，就是把付银行的利息付给了自己。
假设你Home Loan（
- 1 回复 德州龙
- 乔雨风: your 401k will not grow as it should if you do that.本来就是负成长的么，咱放进去5万，现在只有3万了
所以我说了，适合我这样的笨人（不会管理401K）