{"id":130540,"date":"2016-12-20T14:28:17","date_gmt":"2016-12-20T22:28:17","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=130540"},"modified":"2016-12-20T14:28:17","modified_gmt":"2016-12-20T22:28:17","slug":"%e5%b9%b4%e5%ba%95%e7%a8%85%e5%8b%99%e5%80%92%e8%a8%88%e6%99%82%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2016\/12\/20\/%e5%b9%b4%e5%ba%95%e7%a8%85%e5%8b%99%e5%80%92%e8%a8%88%e6%99%82%ef%bc%9f\/","title":{"rendered":"\u5e74\u5e95\u7a05\u52d9\u5012\u8a08\u6642\uff1f"},"content":{"rendered":"<p>\u8056\u8a95\u9032\u5165\u5012\u8a08\u6642\uff0c\u60f3\u5fc5\u5927\u5bb6\u90fd\u8208\u596e\u65bc\u8cb7\u79ae\u7269\u9001\u79ae\u7269\u62c6\u79ae\u7269? \u6216\u9676\u9189\u65bc\u70f9\u98ea\u8056\u8a95\u5927\u9910\u800c\u5fd9\u788c\uff1f<!--more-->\u53c8\u6709\u5e7e\u500b\u4eba\u6703\u63d0\u524d\u8003\u616e\u660e\u5e74\u3010\u5831\u7a05\u3011\u9019\u4ef6\u5e74\u5e74\u90fd\u8981\u7533\u5831\u7684\u7169\u5fc3\u4e8b\uff1f<br 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gain.\u8a18\u5f97\u8981\u4fdd\u5b58\u6350\u6b3e\u7684\u6536\u64da\u3002<\/p>\n<p>\u5982\u679c\u4f60\u505a\u5fd7\u9858\u8005\uff0c\u96d6\u7136\u4f60\u6c92\u8fa6\u6cd5\u6e1b\u514d\u4f60\u7684\u6642\u9593\uff0c\u4f46\u662f\u4f60\u53ef\u4ee5\u6e1b\u514d\u4f60\u958b\u8eca\u91cc\u7a0b\u7b49\u81ea\u638f\u8170\u5305\u7684\u958b\u652f\u3002\u56e0\u6b64\uff0c\u518d\u4e09\u63d0\u9192\u4fdd\u5b58\u597d\u6240\u6709\u7684\u6536\u64da\u3002<\/p>\n<p><strong>3. \u76e1\u91cf\u5b58\u6eff\u9000\u4f11\u8cec\u6236<\/strong><\/p>\n<p>\u4e00\u5b9a\u8a18\u5f97\u628a\u516c\u53f8\u7684401k\u653e\u6eff\uff01\u7279\u5225\u662f\u5982\u679c\u516c\u53f8\u6709match contribution\u7684\u60c5\u6cc1\u3002 2016\u5e74\u7a05\u524d\u7684contribution\u53ef\u4ee5\u653e18,000. \u5982\u679c\u8d85\u904e50\u6b72\uff0c\u53ef\u4ee5\u653e24,000\u3002<\/p>\n<p><strong>4\uff0c\u6ce8\u610fAMT<\/strong><\/p>\n<p>\u5982\u679c\u4f60\u5df2\u7d93\u8981\u4ed8 AMT\uff0c\u52a0\u901fdeduction\u53ef\u80fd\u53cd\u800c\u6703\u8b93\u4f60\u640d\u5931\u9322\u3002\u6839\u64daAMT\uff0c\u5dde\u7a05\uff0c\u5730\u65b9\u7a05\uff0c\u623f\u5730\u7522\u7a05\u5728AMT\u90fd\u4e0d\u53ef\u4ee5\u62b5\u6263\u3002<\/p>\n<p><strong>5. \u8ce3\u6389\u8667\u640d\u80a1\u7968<\/strong><\/p>\n<p>\u628a\u8667\u9322\u7684\u80a1\u7968\u6216\u8005\u5171\u540c\u57fa\u91d1\u8ce3\u6389\uff0c\u4f86\u6e1b\u5c11\u4f60\u7684taxable gains. \u5982\u679c\u4f60\u7684loss\u6bd4gain\u591a\u5462\uff0c\u4f60\u53ef\u4ee5\u6709\u6700\u591a3000\u584a\u4f86\u62b5\u6263\u5176\u4ed6\u7684\u6536\u5165\u3002<br \/>\n<strong>6\uff0c\u5f8c\u9580Roth IRA<\/strong><\/p>\n<p>\u5118\u7ba1backdoor Roth IRA\u907f\u958b\u4e86\u9ad8\u6536\u5165\u7684\u9650\u5236\uff0c \u4f46IRS\u6709pro-rata \u898f\u5247\uff0c\u5c31\u662f\u8aaa\u4f60\u4e0d\u53ef\u4ee5\u53eaconvert non-deductible IRA, \u800c\u662f\u8981\u628a\u6240\u6709\u5176\u5b83IRA\u8cec\u6236\u5408\u5728\u4e00\u8d77\u4f86\u8a08\u7b97\u6709\u591a\u5c11conversion\u8981\u4ea4\u7a05\uff0c\u800c\u5176\u5b83IRA\u4e0d\u50c5\u5305\u62ec\u62b5\u7a05\u7684\u50b3\u7d71IRA\uff0c \u4e5f\u5305\u62ecSEP IRA\u548cSimple IRA, \u4f46\u4e0d\u5305\u62ec401K\u3001403B\u6216\u662f\u5176\u5b83pension plan.<\/p>\n<p>\u5e74\u5e95\u5c31\u5728\u773c\u524d\uff0c\u5408\u6cd5\u7a05\u52d9\u8feb\u5728\u7709\u776b\uff01\u5982\u679c\u60a8\u6709\u4efb\u4f55\u95dc\u65bc\u5e74\u5e95\u8ca1\u7a05\u554f\u984c\uff0c\u8acb\u8207\u5353\u8d8a\u8ca1\u5bcc\u96c6\u5718\u5728\u5e74\u5e95\u524d\u9810\u7d04\u4e00\u500b\u5c0f\u6642\u514d\u8cbb\u8aee\u8a62\u3002\u96fb\u8a71\uff1a877-253-8288, Jenny@EliteWealths.com.<\/p>\n<p>\u795d\u798f\u5404\u4f4d<\/p>\n<p>\u200b\u8056\u8a95\u5feb\u6a02\u200b\u8ca1\u5bcc\u6eff\u6ea2!<br \/>\nJenny Chang, MBA<\/p>\n<p>\u5353\u8d8a\u8ca1\u5bcc\u96c6\u5718\u526f\u7e3d\u88c1<\/p>\n<p>\u69ae\u7372NLG2014,\u200b2015,\u200b2016\u5168\u7f8e\u7b2c\u4e00[\u4e09\u9023\u51a0\u3011<br \/>\n\u200b\u200b\u200b\u200b\u200b\u200b\u200b\u87ec\u806f\u767e\u842c\u5713\u684cMDRT-Top of the Table\u9802\u5c16\u9867\u554f<br \/>\n\u5168\u7403\u767e\u842c\u5713\u684c\u52a0\u62ff\u5927\u591a\u502b\u591a\u5e74\u6703\u552f\u4e00\u83ef\u4eba\u8b1b\u5e2b<\/p>\n<p>KTSF26[\u5353\u8d8a\u4eba\u751f\u8ca1\u5bcc\u89e3\u78bc\u3011\u8ca1\u7d93\u96fb\u8996\u4e3b\u8b1b\u4eba<\/p>\n<p>\u9810\u7d04\u96fb\u8a71\uff1a \u200b1-877-253-8288<\/p>\n<p>\u96fb\u90f5\uff1aJenny@EliteWealths.com\u200b\u200b<\/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=\"1482244097\"\r\n\t            data-title=\"\u5e74\u5e95\u7a05\u52d9\u5012\u8a08\u6642\uff1f\" \r\n\t            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2018","format":false,"excerpt":"\u5728\u7f8e\u570b\u751f\u6d3b\uff0c\u8cfa\u4e86\u9322\u8981\u4ea4\u7a05\uff0c\u842c\u7a05\u4e4b\u570b \u3002\u793e\u6703\u5b89\u5168\u7a05\u9000\u4f11\u6642\u53ef\u4ee5\u62ff\u9322\u56de\u4f86 \uff0c\u53ef\u662f\u7b49\u4f60\u9000\u4f11\u6642\uff0c\u5230\u5e95\u53ef\u4ee5\u62ff\u591a\u5c11\u9322\u5462\uff1f\u5be6\u969b\u4e0a\uff0c\u7b49\u4f60\u9000\u4f11\u6642\u80fd\u9818\u53d6\u5230\u7684\u793e\u6703\u4fdd\u969c\u91d1\u537b\u9060\u9060\u5c0f\u65bc\u7406\u8ad6\u4e0a\u7684\u6578\u503c 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\uff0c2016\u5e74\u53ef\u9818\u53d6\u6700\u9ad8\u5168\u984d\u9000\u4f11\u91d1\u7684\u6578\u984d\u70ba$2,639\/\u6708($31,668\/\u5e74)\u3002\u800c2016\u5e74\u5168\u7f8e\u9000\u4f11\u4eba\u54e1\u5e73\u5747\u9000\u4f11\u91d1\u70ba$1,341\/\u6708($16,092\/\u5e74\uff09\u3002\u5be6\u969b\u4e0a\u610f\u5473\u8457\u793e\u6703\u9000\u4f11\u91d1\u50c5\u50c5\u53ea\u662f\u9000\u4f11\u6536\u5165\u7684\u88dc\u5145\uff0c\u6211\u5011\u9700\u8981\u5176\u4ed6\u7684\u500b\u4eba\u6295\u8cc7\u56de\u5831\u6216\u5b58\u6b3e\u505a\u70ba\u9000\u4f11\u751f\u6d3b\u505a\u6253\u7b97\u3002\u554f\u984c\u4f86\u4e86\u6709\u54ea\u4e9b\u9000\u4f11\u8a08\u5283\u53ef\u4ee5\u9078\u64c7\u5462\uff1f\u70ba\u4e86\u7701\u9322\u990a\u8001\uff0c\u964d\u4f4e\u4e86\u76ee\u524d\u7684\u751f\u6d3b\u8cea\u91cf\uff0c\u800c\u4e14\u7701\u4e0b\u4f86\u7684\u9322\u7121\u6cd5\u7559\u7d66\u81ea\u5df1\u82b1\u6216\u8005\u50b3\u627f\u7d66\u5b50\u5973\uff0c\u53cd\u800c\u90fd\u88ab\u653f\u5e9c\u7a05\u8d70\u4e86\uff0c\u5f97\u4e0d\u511f\u5931\u554a\u3002\u90a3\u9000\u4f11\u8a08\u5283\u5230\u5e95\u61c9\u8a72\u5982\u4f55\u9078\u64c7\u5462\uff1f\u5148\u4f86\u77ad\u89e3\u4e00\u4e0b\u6709\u54ea\u4e9b\u985e\u578b\u7684\u9000\u4f11\u8a08\u5283\u3002 \u5e38\u7528\u7684\u5e7e\u7a2e\u9000\u4f11\u8a08\u5283\uff1a 1. 401k \u6216\u662fRoth 401k\uff1a\u53ef\u4ee5\u62b5\u7a05 \u5927\u591a\u6578\u5927\u4e2d\u578b\u4f01\u696d\u516c\u53f8\u90fd\u7d66\u54e1\u5de5\u63d0\u4f9b401k\u6216\u662fRoth 401k\u8a08\u5283\u3002\u9019\u5169\u500b\u8a08\u5283\u662f\u54e1\u5de5\u81ea\u5df1\u4f5c\u6295\u5165\u6bd4\u4f8b\u7684\u8a08\u5283\u3002\u54e1\u5de5\u81ea\u9858\u6700\u591a\u53ef\u4ee5\u5b58\u5165$18,000(2017\u5e74)\u6295\u5165401k\u6216\u662fRoth 401k\u3002 \u5f88\u591a\u96c7\u4e3b\u6703\u7d66\u4f60\u4e00\u4e9b\u88dc\u5145\uff0c\u901a\u5e38\u662f\u4f60\u5e74\u6536\u51656%\u7684\u90a3\u90e8\u5206\u7d66\u4f6050%\u7684\u88dc\u5145\uff0c\u4e5f\u5c31\u662f\u7d66\u4f603%\u7684\u984d\u5916\u6295\u5165\u3002\u8209\u4f8b\uff1a\u5982\u679c\u4f60\u5e74\u85aa10\u842c\uff0c\u6295$6,000\u5728401k 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IRA\u8a08\u5283\u7684\u9322\u4e0d\u80fd\u7576\u4e0b\u62b5\u7a05\uff0c\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c \u62ff\u51fa\u4f86\u7684\u9322\u4e0d\u7528\u5728\u7e73\u4efb\u4f55\u7684\u7a05\u3002 \u6bd4\u8f03\uff1a\u9078\u64c7\u50b3\u7d71IRA\u9084\u662fRoth IRA\uff0c\u985e\u4f3c\u65bc\u9078\u64c7401k\u548cRoth 401k\u7684\u8003\u91cf\u3002\u5982\u679c\u4f60\u5df2\u6709\u5176\u5b83\u7a05\u524d\u7684\u9000\u4f11\u8a08\u5283\uff0c\u662f\u5426\u518d\u958b\u8a2dRoth IRA \u5247\u8981\u8003\u616e\u5bb6\u5ead\u6574\u9ad4\u7684\u8ca1\u52d9\u898f\u5283\uff0c\u9000\u4f11\u8a08\u5283\u8207\u5b50\u5973\u6559\u80b2\u57fa\u91d1\u7684\u5e73\u8861\u4ee5\u53ca\u76ee\u524d\u7684\u73fe\u91d1\u6d41\uff0c\u61c9\u54a8\u8a62\u5c08\u696d\u4eba\u58eb \u3002 3. SEP IRA(Simplied Employee Pension)\u8a08\u5283\uff1a\u2026","rel":"","context":"In &quot;\u5546\u60c5\u5831\u5c0e&quot;","block_context":{"text":"\u5546\u60c5\u5831\u5c0e","link":"https:\/\/newsforchinese.com\/v3\/category\/biz\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/national-life-group-.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/national-life-group-.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/national-life-group-.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":153919,"url":"https:\/\/newsforchinese.com\/v3\/2018\/03\/28\/%e5%9c%8b%e5%ae%b6%e4%ba%ba%e5%a3%bd-%e8%ae%93%e6%82%a8%e7%9a%84%e7%94%9f%e6%b4%bb%e6%9b%b4%e7%b2%be%e5%bd%a9-2\/","url_meta":{"origin":130540,"position":1},"title":"\u570b\u5bb6\u4eba\u58fd\u00a0\u8b93\u60a8\u7684\u751f\u6d3b\u66f4\u7cbe\u5f69\u00a0","author":"Raymond","date":"March 28, 2018","format":false,"excerpt":"\u5728\u7f8e\u570b\u751f\u6d3b\uff0c\u8cfa\u4e86\u9322\u8981\u4ea4\u7a05\uff0c\u842c\u7a05\u4e4b\u570b\u00a0\u3002\u793e\u6703\u5b89\u5168\u7a05\u9000\u4f11\u6642\u53ef\u4ee5\u62ff\u9322\u56de\u4f86\u00a0\uff0c\u53ef\u662f\u7b49\u4f60\u9000\u4f11\u6642\uff0c\u5230\u5e95\u53ef\u4ee5\u62ff\u591a\u5c11\u9322\u5462\uff1f\u5be6\u969b\u4e0a\uff0c\u7b49\u4f60\u9000\u4f11\u6642\u80fd\u9818\u53d6\u5230\u7684\u793e\u6703\u4fdd\u969c\u91d1\u537b\u9060\u9060\u5c0f\u65bc\u7406\u8ad6\u4e0a\u7684\u6578\u503c\u00a0\uff0c\u9019\u662f\u56e0\u70ba\u793e\u6703\u9000\u4f11\u91d1\u7684\u984d\u5ea6\u6839\u64da\u904e\u53bb35\u5e74\u6700\u9ad8\u5de5\u8cc7\u6c34\u5e73\u8a08\u7b97\u7684(\u5047\u8a2d\u4f60\u5de5\u4f5c\u8d85\u904e35\u5e74)\u3002\u5be6\u969b\u80fd\u9818\u53d6\u6700\u9ad8\u5168\u984d\u9000\u4f11\u91d1\u7684\u9000\u4f11\u8005\u8981\u5728\u904e\u53bb35\u5e74\u7e73\u7d0d\u6700\u9ad8\u7684\u7a05\u984d\u3002\u6b64\u5916\u9084\u53d6\u6c7a\u65bc\u9000\u4f11\u8005\u4f55\u6642\u9000\u4f11\u548c\u5de5\u4f5c\u6642\u5de5\u8cc7\u6c34\u5e73\u3002\u64da\u7d71\u8a08\u00a0\uff0c2016\u5e74\u53ef\u9818\u53d6\u6700\u9ad8\u5168\u984d\u9000\u4f11\u91d1\u7684\u6578\u984d\u70ba$2,639\/\u6708($31,668\/\u5e74)\u3002\u800c2016\u5e74\u5168\u7f8e\u9000\u4f11\u4eba\u54e1\u5e73\u5747\u9000\u4f11\u91d1\u70ba$1,341\/\u6708($16,092\/\u5e74\uff09\u3002\u5be6\u969b\u4e0a\u610f\u5473\u8457\u793e\u6703\u9000\u4f11\u91d1\u50c5\u50c5\u53ea\u662f\u9000\u4f11\u6536\u5165\u7684\u88dc\u5145\uff0c\u6211\u5011\u9700\u8981\u5176\u4ed6\u7684\u500b\u4eba\u6295\u8cc7\u56de\u5831\u6216\u5b58\u6b3e\u505a\u70ba\u9000\u4f11\u751f\u6d3b\u505a\u6253\u7b97\u3002\u554f\u984c\u4f86\u4e86\u6709\u54ea\u4e9b\u9000\u4f11\u8a08\u5283\u53ef\u4ee5\u9078\u64c7\u5462\uff1f\u70ba\u4e86\u7701\u9322\u990a\u8001\uff0c\u964d\u4f4e\u4e86\u76ee\u524d\u7684\u751f\u6d3b\u8cea\u91cf\uff0c\u800c\u4e14\u7701\u4e0b\u4f86\u7684\u9322\u7121\u6cd5\u7559\u7d66\u81ea\u5df1\u82b1\u6216\u8005\u50b3\u627f\u7d66\u5b50\u5973\uff0c\u53cd\u800c\u90fd\u88ab\u653f\u5e9c\u7a05\u8d70\u4e86\uff0c\u5f97\u4e0d\u511f\u5931\u554a\u3002\u90a3\u9000\u4f11\u8a08\u5283\u5230\u5e95\u61c9\u8a72\u5982\u4f55\u9078\u64c7\u5462\uff1f\u5148\u4f86\u77ad\u89e3\u4e00\u4e0b\u6709\u54ea\u4e9b\u985e\u578b\u7684\u9000\u4f11\u8a08\u5283\u3002 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