Roth IRA 与传统 IRA：哪种更适合您？Roth IRA vs Traditional IRA: Which is Best for YOU?

Do you prefer to save taxes now or have tax-free withdrawals in retirement?

The best choice depends on your expected tax bracket in retirement.

If your tax bracket is likely to go UP: Contribute to an After-tax retirement account (Roth 401(k) or Roth IRA), and enjoy tax-free withdrawals in retirement.
If your tax bracket is likely to go DOWN: Contribute to a Tax-deferred account and pay taxes at a lower rate in retirement.

Which option suits you best? Let me know in the comments!

Roth IRA和传统IRA？哪个更好，取决于您退休后的税率预期。

如果您退休后税率可能上升：选择税后Roth 401k或Roth IRA，将来退休时可以免税提取。
如果您退休后税率可能下降：选择税前401k或IRA，退休提取时税率较低，节省更多。

您觉得以后收入税会越来越高吗？留言告诉我们！

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Видео Roth IRA 与传统 IRA：哪种更适合您？Roth IRA vs Traditional IRA: Which is Best for YOU? канала Gina Chen