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Title change: personal investment questions (401k rollover, Roth).
Posted on 9/3/13 at 8:15 pm
Posted on 9/3/13 at 8:15 pm
if you can withdraw your invested dollars from the roth at any time with no penalty but have to wait until a certian age to withdraw the interest without penalty why not just invest in mutual funds?
This post was edited on 9/5/13 at 1:11 pm
Posted on 9/3/13 at 8:19 pm to Coon
I don't understand your question.
A Roth is just a tax shield.
You can put mutual funds in it of you wish and most do.
And that aside...
Lets see.
On one taxes on dividends and any turnover in the fund are incurred, as well as any capital gains taxes on share sales.
In the other, you never have to pay taxes again on anything.
Pretty big difference if you ask me.
A Roth is just a tax shield.
You can put mutual funds in it of you wish and most do.
And that aside...
Lets see.
On one taxes on dividends and any turnover in the fund are incurred, as well as any capital gains taxes on share sales.
In the other, you never have to pay taxes again on anything.
Pretty big difference if you ask me.
This post was edited on 9/3/13 at 8:20 pm
Posted on 9/3/13 at 9:28 pm to Coon
OP, you're confused about something here.
A Roth is simply a kind of account with special rules. It is not an investment holding, like a stock or mutual fund. It's an account, much like a checking account, brokerage account, 401(k), etc. Once you put money into the account, you can choose what to invest in.
For example, you could compare a Roth vs. a traditional IRA vs. a 401(k) vs. a brokerage account. Each of these is a kind of account with different tax rules.
You could invest in a mutual fund (or something else too, for that matter) in any of these different accounts.
A Roth is simply a kind of account with special rules. It is not an investment holding, like a stock or mutual fund. It's an account, much like a checking account, brokerage account, 401(k), etc. Once you put money into the account, you can choose what to invest in.
For example, you could compare a Roth vs. a traditional IRA vs. a 401(k) vs. a brokerage account. Each of these is a kind of account with different tax rules.
You could invest in a mutual fund (or something else too, for that matter) in any of these different accounts.
Posted on 9/3/13 at 10:38 pm to Coon
Because you have to pay taxes on your gains in a non IRA account. You seem to be a bit confused.
Posted on 9/4/13 at 3:46 pm to Coon
quote:
if you can withdraw your invested dollars from the roth at any time with no penalty but have to wait until a certian age to withdraw the interest without penalty why not just invest in mutual funds?
Because with a mutual fund you get taxed on the growth
With a Roth you don't get taxed on the growth
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