问题如下:
Lorraine Newman is evaluating whether to save for retirement using a TDA or a taxexempt account. The TDA permits tax-deductible contributions but withdrawals will be taxed at 30 percent. The tax-exempt account permits tax-free accumulation and withdrawals but contributions are taxable at a 40 percent tax rate. Assuming contribution limits do not affect Newman’s choice of accounts, which account should she choose?
选项:
A.TDA.
B.Tax-exempt.
C.The choices are the same.
解释:
A is correct.
The future accumulation of the TDA is (1 + r)n(1 − 0.30), whereas the future accumulation of the tax-exempt account is (1 + r)n(1−0.40). Therefore, the TDA will accumulate more wealth.
既然是retirement account, 如果这两个account 的税率相等的, 是不是还应该选TDA?因为retirement account不总是withdraw, 但是老师要往里面放工资进去