UPS Stock vs 401k

azupser

Member
10 percent to 401k. 100 a week for stock. 401k can access @59.5. Stock anytime after 2 year stock hold. Good idea to do both
 

upschuck

Well-Known Member
If you buy UPS stock best thing to do is put it in a Roth IRA, then any gains are tax free, and you can take out the principle at any time. Don't worry about losing the 5% discount, it will easily be made up later when you withdraw your funds.
 

1989

Well-Known Member
  • Ordinary dividend and short-term capital gain: Tax rate is same as ordinary income tax rate.
  • Qualified dividend and long-term capital gain: Tax rate is
0% for the 10%~15% brackets; 15% for the 25%~35% brackets; and 20% for the 39.6% bracket.
 
If you buy UPS stock best thing to do is put it in a Roth IRA, then any gains are tax free, and you can take out the principle at any time. Don't worry about losing the 5% discount, it will easily be made up later when you withdraw your funds.
Or you can buy them In your 401k. use the self managed accout. when you retire ,you can pull them out. pay tax on your cost basis. and when you sell them,take advantage of the capital gains tax.

This omly works for employer stock.
Little loop hole in the tax law.

Something to think about!
 

upschuck

Well-Known Member
Or you can buy them In your 401k. use the self managed accout. when you retire ,you can pull them out. pay tax on your cost basis. and when you sell them,take advantage of the capital gains tax.

This omly works for employer stock.
Little loop hole in the tax law.

Something to think about!
Can't take it out early penalty free, if you need to take the money out, though.
 
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