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这里是俺能想到的优缺点:
529:
- restrictive distribution for education only,
- tax free for distribution;
- no limit for annual contribution, total amount limit 320k life time.
- 非常重要的一点：如果父母为孩子存了大量529，孩子申请大学时，算family educational assert (FEA),孩子很难拿到助学金。
Roth IRA:
- no restriction on distribution,
- tax free for distribution.
- limit $10000/year/couple. No limit life time.
- 孩子申请大学时，IRA不算family educational asset.
- 从今年开始，T-IRA可以转换成 Roth IRA without income limit.但是如果T-IRA是deductible IRA, 转换时要补税。
Both are after tax contribution.很多州每年可以有$2000 529 contribution 免州税，加州没有。
还有没想到的，请大家补充。 |
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