{"id":11508,"date":"2011-03-14T10:16:34","date_gmt":"2011-03-14T17:16:34","guid":{"rendered":"http:\/\/newsforchinese.com\/laozhong\/?p=11508"},"modified":"2012-10-30T14:20:09","modified_gmt":"2012-10-30T21:20:09","slug":"pre-retirement","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2011\/03\/14\/pre-retirement\/","title":{"rendered":"\u63d0\u524d\u652f\u9000\u4f11\u91d1\uff1f"},"content":{"rendered":"<p><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"><span style=\"font-size: x-small;\"><br \/>\n<\/span><br \/>\n<\/span><span style=\"font-size: x-small;\">\u53bb\u5e74\uff0c\u6709\u4e9b\u7d0d\u7a05\u4eba\u53ef\u80fd\u5df2\u7d93\u9700\u8981\u5f9e\u9000\u4f11\u91d1\u4e2d\u63d0\u524d\u652f\u53d6\u3002\u570b\u7a05\u5c40\u5e0c\u671b\u63d0\u524d\u652f\u53d6\u7684\u500b\u4eba\u4e86\u89e3\u52d5\u7528\u81ea\u5df1\u7684\u9000\u4f11\u9322\u5c0d\u7d0d\u7a05\u6709\u5f71\u97ff\u3002\u9019\u88e1\u6709\u5341\u500b\u95dc\u65bc\u63d0\u524d\u652f\u53d6\u7684\u4e8b\u5be6\u3002<\/span><\/span><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"> <!--more--><\/p>\n<p>1. <\/span>\u5728\u4f60\u9054\u5230<span style=\"font-family: 'Times New Roman';\">59<\/span>\u6b72\u9000\u4f11\u5e74\u9f61\u4ee5\u524d\u5f9e\u4f60\u7684\u500b\u4eba\u9000\u4f11\u5b89\u6392\u4e2d\u63d0\u53d6\u6b3e\u9805\u88ab\u8996\u70ba\u63d0\u524d\u652f\u53d6\u6216\u672a\u5230\u671f\u652f\u53d6\u3002<\/span><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"><\/p>\n<p>2. <\/span>\u63d0\u524d\u652f\u53d6\u4e00\u822c\u9700\u8981\u652f\u4ed8\u984d\u5916\u7684<span style=\"font-family: 'Times New Roman';\">10%<\/span>\u7a05\u6b3e\u3002<\/span><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"><\/p>\n<p>3. <\/span>\u63d0\u524d\u652f\u53d6\u5fc5\u9808\u5411\u570b\u7a05\u5c40\u7533\u5831\u3002<\/span><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"><\/p>\n<p>4. <\/span>\u4f60\u8f49\u5230\u53e6\u4e00\u500b<span style=\"font-family: 'Times New Roman';\">IRA<\/span>\u6216\u7b26\u5408\u689d\u4ef6\u9000\u4f11\u8a08\u5283\u7684\u6b3e\u9805\u7121\u9700\u652f\u4ed8<span style=\"font-family: 'Times New Roman';\">10%<\/span>\u9644\u52a0\u7a05\u3002\u4f60\u5fc5\u9808\u5728\u4f60\u6536\u5230\u6b3e\u9805\u7576\u65e5\u5f8c<span style=\"font-family: 'Times New Roman';\">60<\/span>\u5929\u5167\u5b8c\u6210\u8f49\u6efe\u3002<\/span><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"><\/p>\n<p>5. <\/span>\u7576\u65b0\u8a08\u5283\u5411\u4f60\u6216\u4f60\u7684\u53d7\u76ca\u4eba\u4ed8\u6b3e\u6642\uff0c\u8f49\u6efe\u91d1\u984d\u4e00\u822c\u90fd\u8981\u7d0d\u7a05\u3002<\/span><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"><\/p>\n<p>6 <\/span>\u5982\u679c\u4f60\u5411<span style=\"font-family: 'Times New Roman';\">IRA<\/span>\u8cec\u6236\u4f9b\u6b3e\u5c6c\u65bc\u975e\u53ef\u62b5\u6263\u985e\u578b\uff0c\u4e26\u4e14\u5f8c\u4f86\u5f9e\u8a72\u8cec\u6236\u63d0\u524d\u652f\u53d6\uff0c\u90a3\u9ebc\u652f\u53d6\u6b3e\u9805\u4e2d\u53ef\u6b78\u5165\u9019\u4e9b\u975e\u53ef\u62b5\u6263\u4f9b\u6b3e\u90e8\u5206<span style=\"font-family: 'Times New Roman';\">,<\/span>\u4e0d\u7528\u7d0d\u7a05\u3002<\/span><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"><\/p>\n<p>7. <\/span>\u5982\u679c\u4f60\u5f9e\u4e00\u500b<span style=\"font-family: 'Times New Roman';\">Roth IRA<\/span>\u8cec\u6236\u7372\u53d6\u63d0\u524d\u652f\u53d6\u6b3e\u9805\uff0c\u90a3\u9ebc\u53ef\u6b78\u5165\u4f60\u4ee5\u524d\u4f9b\u6b3e\u7684\u652f\u53d6\u90e8\u5206\u4e0d\u7528\u7d0d\u7a05\u3002<\/span><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"><\/p>\n<p>8. <\/span>\u5982\u679c\u4f60\u5f9e\u5176\u5b83\u7b26\u5408\u689d\u4ef6\u7684\u9000\u4f11\u8a08\u5283\u4e2d\u7372\u5f97\u63d0\u524d\u652f\u53d6\u6b3e\u9805\uff0c\u90a3\u9ebc\u4e00\u822c\u60c5\u6cc1\u4e0b\uff0c\u652f\u53d6\u6b3e\u9805\u5168\u984d\u7d0d\u7a05\uff0c\u9664\u975e\u4f60\u5411\u8a72\u8a08\u5283\u9032\u884c\u4e86\u7a05\u5f8c\u54e1\u5de5\u4f9b\u6b3e\u3002<\/span><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"><\/p>\n<p>9. <\/span>\u9644\u52a0<span style=\"font-family: 'Times New Roman';\">10%<\/span>\u63d0\u524d\u652f\u53d6\u7a05\u6709\u5e7e\u7a2e\u4f8b\u5916\u60c5\u6cc1\uff0c\u6bd4\u5982\u63d0\u524d\u652f\u53d6\u6b3e\u9805\u7528\u65bc\u8cfc\u8cb7\u9996\u5957\u623f\uff0c\u7528\u65bc\u91ab\u7642\u6216\u6559\u80b2\u652f\u51fa\uff0c\u6216\u8005\u4f60\u662f\u4e00\u500b\u6b98\u75be\u4eba\u3002<\/span><span style=\"font-size: small;\"><span style=\"font-family: 'Times New Roman';\"><\/p>\n<p>10. <\/span>\u9000\u4f11\u8a08\u5283\u63d0\u524d\u652f\u53d6\u3001\u9644\u52a0<span style=\"font-family: 'Times New Roman';\">10%<\/span>\u7a05\u548c\u6240\u6709\u4f8b\u5916\u60c5\u6cc1\u66f4\u591a\u4fe1\u606f\u8acb\u53c3\u95b1<span style=\"font-family: 'Times New Roman';\">IRS Publication 575, Pension and Annuity Income<\/span>\u548c<span style=\"font-family: 'Times New Roman';\">Publication 590, Individual Retirement Arrangements (IRAs). <\/span>\u53ef\u767b\u9678<span style=\"font-family: 'Times New Roman';\">IRS.gov <\/span>\u6216\u81f4\u96fb<span style=\"font-family: 'Times New Roman';\">800-TAX- FORM (800-829-3676)<\/span>\u7372\u53d6\u76f8\u95dc\u6750\u6599\u3002<span style=\"font-family: 'Times New Roman';\"> <\/span><\/span><\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"money\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1300097794\"\r\n\t            data-title=\"\u63d0\u524d\u652f\u9000\u4f11\u91d1\uff1f\" \r\n\t            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1.5x"},"classes":[]},{"id":183610,"url":"https:\/\/newsforchinese.com\/v3\/2020\/04\/19\/%e8%81%af%e9%82%a6%e6%94%bf%e5%ba%9c%e5%b9%ab%e5%8a%a9%e6%af%8f%e4%bd%8d%e5%9c%8b%e6%b0%91%e6%b8%a1%e9%81%8e%e7%9c%bc%e5%89%8d%e7%9a%84%e9%9b%a3%e9%97%9c\/","url_meta":{"origin":11508,"position":3},"title":"\u806f\u90a6\u653f\u5e9c\u5e6b\u52a9\u6bcf\u4f4d\u570b\u6c11\u6e21\u904e\u773c\u524d\u7684\u96e3\u95dc","author":"Raymond","date":"April 19, 2020","format":false,"excerpt":"COVID-19\u628a\u5168\u7403\u7d93\u6fdf\u62d6\u5165\u6ce5\u6dd6\uff0c\u4f7f\u5f97\u6578\u4ee5\u767e\u842c\u8a08\u7684\u7f8e\u570b\u4eba\u52a0\u5165\u4e86\u5931\u696d\u5927\u8ecd\u3002\u70ba\u4e86\u633d\u6551\u7d93\u6fdf\uff0c\u4e5f\u633d\u6551\u201c\u65e5\u5149\u65cf\u201d\u7f8e\u570b\u4eba\u5ea6\u904e\u773c\u524d\u7684\u96e3\u95dc\uff0c\u806f\u90a6\u570b\u6703\u773e\u53c3\u5169\u9662\u7684\u8b70\u54e1\u5011\u7d42\u65bc\u81e8\u6642\u6027\u5730\u653e\u4e0b\u9ee8\u6d3e\u4e4b\u722d\uff0c\u901a\u904e\u4e86\u7279\u6717\u666e\u7e3d\u7d71\u8981\u6c42\u76842\u842c\u5104\u7f8e\u5143\u7684\u7dca\u6025\u6551\u63f4\u8a08\u5283Coronavirus Aid Relief & Economic Security ACT\uff0c\u7c21\u7a31CARES ACT\u3002\u9019\u500b\u53f2\u7121\u524d\u4f8b\u7684\u7dca\u6025\u6551\u63f4\u8a08\u5283\u6d89\u53ca\u9762\u975e\u5e38\u5ee3\uff0c\u672c\u6587\u53ea\u7c21\u55ae\u4ecb\u7d39\u5176\u4e2d2\u9805\u3002 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