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quyết định để tái đầu tư cổ tức. Đối với những nhà đầu tư muốn tích lũy tài sản theo thời gian, quyết định để tái đầu tư làm cho ý nghĩa nhất. Tất cả các thu nhập từ vốn phân phối lợi nhuận, cổ tức Tuy nhiên chịu thuế và lãi phải đóng thuế trong năm thanh toán hoặc ghi, | Starting Point Understanding Your Financial Story 15 401 k Plans Another form of tax-deferred income is a 401 k plan. Most forms of pension plans are tax-deferred. A deduction is made currently from your income for the contribution and then later you pay tax. That s what tax-deferred means tax later. I like the like-kind exchange plan for tax deferral in the right circumstances but I m not such a fan of the 401 k plan. Here are the three reasons why I hesitate before recommending such a strategy for wealth building. 1. A 401 k plan generally assumes that the values of the underlying mutual funds will go up. Well we all know these funds don t always go up. In fact the stock market moves up it moves down and it moves sideways. If you re a day trader watching your stocks on a minute-by-minute basis then you know you can make money in fact a lot of money when the stock market moves down. But most people in 401 k plans are stuck with watching their funds lose money as they spiral down. 2. The typical reason given for using a pension plan is that you re going to make less money in the future. Well the average American is likely to be making considerably less money in the future. I like to say that there are three financial plans that you can have for your future a plan to be poor a plan to be middle-class or a plan to be rich. If you are looking at receiving less money in the future you have a plan to be poor. My clients have a plan to be rich. So an automatic deferral of income might not be the smartest thing. In fact by the time we re done with all of the loopholes we discuss in this book you might be like my clients and find that you can pay a whole lot less tax right now. It doesn t make sense to defer income to the future when we don t know for sure what the tax loopholes will be. 3. The biggest reason of all to not use a 401 k plan is that a 401 k plan turns portfolio income into earned income. That means you are turning money taxed at 15 percent into money taxed .
