{"id":15168,"date":"2011-04-29T07:40:49","date_gmt":"2011-04-29T14:40:49","guid":{"rendered":"http:\/\/newsforchinese.com\/laozhong\/?p=15168"},"modified":"2012-10-23T14:43:36","modified_gmt":"2012-10-23T21:43:36","slug":"turning-leaf","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2011\/04\/29\/turning-leaf\/","title":{"rendered":"\u901a\u7565\u7406\u8ca1 \u60a8\u7684\u8ca1\u52d9\u91ab\u5e2b"},"content":{"rendered":"<p><span style=\"color: #333399; font-size: medium;\"><img decoding=\"async\" class=\"alignleft\" src=\"http:\/\/old.newsforchinese.com\/v3\/wp-content\/uploads\/2011\/02\/Gp-Fml-1.jpg\" alt=\"\" \/>\u4eba\u751f\u75c5\u6703\u53bb\u627e\u91ab\u751f\u505a\u6cbb\u7642\uff0c\u4f46\uff0c\u4e00\u822c\u4eba\u8ca1\u52d9\u4e0a\u4e0d\u77e5\u9053\u5982\u4f55\u505a\u4fdd\u990a\uff0c\u5f8c\u907a\u75c7\u5c31\u5c07\u6703\u51fa\u73fe\u3002\u60a8\u662f\u4e0d\u662f\u4e5f\u6709\u4e00\u4f4d\u91ab\u5e2b\u70ba\u60a8\u63d0\u4f9b\u826f\u65b9\uff0c\u8b93\u60a8\u7684\u8ca1\u52d9\u72c0\u6cc1\u4fdd\u6301\u5728\u6700\u5065\u5eb7\u7684\u72c0\u614b\u5462\uff1f\u901a\u7565\u7406\u8ca1\u64c1\u6709\u7d93\u9a57\u8c50\u5bcc\u7684\u7406\u8ca1\u5718\u968a\uff0c\u5c0d\u60a8\u63d0\u4f9b\u5168\u76e4\u7684\u7406\u8ca1\u7b56\u7565\uff0c\u5305\u62ec\u91ab\u7642\u3001\u4eba\u58fd\u3001\u9577\u671f\u8b77\u7406\u7b49\u5404\u985e\u4fdd\u96aa\u3001\u5404\u7a2e\u6295\u8cc7\u7522\u54c1\u53ca\u670d\u52d9\u3001\u500b\u4eba\u53ca\u9000\u4f11\u8a08\u5283\u3001\u907a\u7522\u5b89\u6392\u3001\u8cc7\u7522\u4fdd\u969c\u3001\u6559\u80b2\u8a08\u5283\u53ca\u5168\u9762\u7406\u8ca1\u898f\u5283\u670d\u52d9\u3002\u5982\u679c\u60a8\u5c0d\u60a8\u7684\u8ca1\u52d9\u8a08\u5283\u6709\u7591\u554f\uff0c\u8acb\u4eca\u5929\u5c31\u806f\u7d61\u901a\u7565\u7406\u8ca1\u505a\u4e00\u6b21\u9762\u8ac7\u5427\u3002\u514d\u8cbb\u96fb\u8a71\u00a01-888-623-5323 <\/span><\/p>\n<p><span style=\"color: #333399; 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&quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/10\/%E7%9F%BD%E8%B0%B7%E5%B7%A5%E7%A8%8B%E5%B8%AB%E7%9A%84%E7%90%86%E8%B2%A1%E6%99%BA%E6%85%A7.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/10\/%E7%9F%BD%E8%B0%B7%E5%B7%A5%E7%A8%8B%E5%B8%AB%E7%9A%84%E7%90%86%E8%B2%A1%E6%99%BA%E6%85%A7.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/10\/%E7%9F%BD%E8%B0%B7%E5%B7%A5%E7%A8%8B%E5%B8%AB%E7%9A%84%E7%90%86%E8%B2%A1%E6%99%BA%E6%85%A7.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":840,"url":"https:\/\/newsforchinese.com\/v3\/2010\/08\/06\/%e5%a4%a7%e9%83%bd%e6%9c%83%e7%82%ba%e8%a6%8f%e5%8a%83%e9%80%80%e4%bc%91%e7%94%9f%e6%b4%bb%e6%8f%90%e5%87%ba%e5%bb%ba%e8%ad%b0\/","url_meta":{"origin":15168,"position":4},"title":"\u5927\u90fd\u6703\u70ba\u898f\u5283\u9000\u4f11\u751f\u6d3b\u63d0\u51fa\u5efa\u8b70","author":"Raymond","date":"August 6, 2010","format":false,"excerpt":"04-06-2010 \u5927\u90fd\u6703\u70ba\u898f\u5283\u9000\u4f11\u751f\u6d3b\u53ca\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u4f9b\u5efa\u8b70 -\u9069\u7576\u7684\u898f\u5283\u6709\u52a9\u65bc\u5efa\u7acb\u60a8\u7684\u8ca1\u52d9\u81ea\u7531 - 2009\u5e74\u7684\u5831\u7a05\u5b63\u7bc0\u5373\u5c07\u5230\u671f\uff0c\u8a31\u591a\u6d88\u8cbb\u8005\u90fd\u6025\u8457\u5728\u56db\u6708\u5341\u4e94\u65e5\u622a\u6b62\u65e5\u524d\u5b8c\u6210\u5831\u7a05\u7684\u5de5\u4f5c\u3002\u5c31\u5728\u6d88\u8cbb\u8005\u914d\u5408\u5c08\u696d\u5831\u7a05\u4eba\u54e1\u5171\u540c\u5b8c\u6210\u5831\u7a05\u5de5\u4f5c\u7684\u540c\u6642\uff0c\u5728\u63d0\u4f9b\u4fdd\u96aa\u53ca\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u9818\u5148\u5168\u570b\u7684\u5927\u90fd\u6703\u4eba\u58fd\u9858\u85c9\u6b64\u6a5f\u6703\u9f13\u52f5\u6d88\u8cbb\u8005\u5c0d\u8a72\u516c\u53f8\u900f\u904e\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Individual Retirement Account\uff0cIRA\uff09\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u53ca\u7bc0\u7a05\u6548\u76ca\u8a73\u52a0\u8003\u616e\u3002 \u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09\u662f\u5927\u90fd\u6703\u63d0\u4f9b\u7d66\u5ba2\u6236\u7684\u773e\u591a\u9078\u64c7\u4e4b\u4e00\uff0c\u53ef\u4ee5\u5354\u52a9\u5ba2\u6236\u898f\u5283\u9000\u4f11\u751f\u6d3b\u4e26\u5efa\u7acb\u500b\u4eba\u5b89\u5168\u7db2\u3002\u4ee5\u4e0b\u662f\u63d0\u4f9b\u7d66\u6d88\u8cbb\u8005\u53c3\u8003\u7684\u5404\u7a2e\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6458\u8981\u8aaa\u660e\uff1a \u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Traditonal IRA\uff09\u63d0\u4f9b\u7bc0\u7a05\u6548\u76ca\u8207\u6295\u8cc7\u798f\u5229\u7684\u5f48\u6027\u3002\u4fdd\u55ae\u6301\u6709\u4eba\u53ef\u4ee5\u6839\u64da\u672c\u8eab\u7684\u7406\u8ca1\u76ee\u6a19\u3001\u6642\u9593\u9650\u5236\u53ca\u5c0d\u98a8\u96aa\u7684\u627f\u53d7\u80fd\u529b\u4f86\u5728\u773e\u591a\u6295\u8cc7\u9078\u9805\u4e2d\u6c7a\u5b9a\u8cc7\u7522\u5206\u914d\u6bd4\u91cd\u3002\u6295\u8cc7\u7684\u6536\u76ca\u53ef\u4ee5\u7de9\u7a05\uff0c\u6301\u6709\u4eba\u76f4\u5230\u63d0\u9818\u8cc7\u91d1\u6642\u624d\u5fc5\u9808\u7d0d\u7a05\u3002\u8a31\u591a\u4eba\u5b58\u5165\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u9084\u53ef\u4ee5\u62b5\u7a05\u3002\u62b5\u7a05\u8207\u5426\u53d6\u6c7a\u65bc\u6301\u6709\u4eba\u6216\u5176\u914d\u5076\u662f\u5426\u70ba\u7531\u516c\u53f8\u8d0a\u52a9\u4e4b\u9000\u4f11\u8a08\u5283\u7684\u7a4d\u6975\u53c3\u8207\u8005\uff0c\u53ca\u5176\u8a72\u5e74\u5ea6\u7d93\u8abf\u6574\u4e4b\u6bdb\u6536\u5165\uff08Modified Adjusted Gross Income\uff09\u548c\u5831\u7a05\u8cc7\u683c\u800c\u5b9a\u3002\u5f9e\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u63d0\u9818\u61c9\u7d0d\u7a05\u4e4b\u91d1\u984d\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u5982\u679c\u5728\u5e74\u6eff59\u6b72\u534a\u4e4b\u524d\u63d0\u9818\uff0c\u9084\u53ef\u80fd\u9700\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Roth IRA\uff09\u5c31\u548c\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e00\u6a23\uff0c\u63d0\u4f9b\u60a8\u53ef\u4ee5\u7de9\u7a05\u7684\u8cc7\u91d1\u7d2f\u7a4d\u3002\u4f46\u662f\u8207\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e0d\u540c\u7684\u662f\uff0cRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6301\u6709\u4eba\u5728\u958b\u6236\u5f8c\u6eff\u4e94\u5e74\uff0c\u4e26\u7b26\u5408\u4e00\u7a2e\u5176\u4ed6\u689d\u4ef6\u898f\u5b9a\uff08\u4f8b\u5982\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\uff09\u6642\uff0c\u5c31\u53ef\u4ee5\u4eab\u6709\u5728\u7b26\u5408\u689d\u4ef6\u4e0b\u6536\u76ca\u514d\u7a05\u7684\u5f85\u9047\u3002\u4f46\u662f\u5b58\u5165Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u4e0d\u80fd\u62b5\u7a05\uff0c\u800c\u4e14\u7d93\u8abf\u6574\u7684\u6bdb\u6536\u5165\u5fc5\u9808\u5728\u4e00\u5b9a\u6a19\u6e96\u4ee5\u4e0b\u624d\u80fd\u7b26\u5408\u958b\u7acbRoth \u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u683c\u3002\u5728\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\u4e4b\u524d\u5f9eRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u6b3e\uff0c\u901a\u5e38\u5fc5\u9808\u4f9d\u7167\u4e00\u822c\u500b\u4eba\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u4e5f\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u30022010\u5e74\u67d0\u4e9b\u7279\u5225\u7d0d\u7a05\u689d\u6b3e\u53ef\u80fd\u4ee4Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5c0d\u67d0\u4e9b\u5b58\u6236\u66f4\u5177\u5438\u5f15\u529b\u3002 \u914d\u5076\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Spousal IRA\uff09\u5141\u8a31\u7121\u6536\u5165\u6216\u6536\u5165\u975e\u5e38\u6709\u9650\u7684\u914d\u5076\u64c1\u6709\u500b\u4eba\u9000\u4f11\u5e33\u6236\u3002\u914d\u5076\u9000\u4f11\u5e33\u6236\u5141\u8a31\u592b\u59bb\u5171\u540c\u958b\u8a2d\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236 \u2013 \u4e00\u4eba\u4e00\u500b \u2013 \u800c\u6bcf\u4e00\u500b\u90fd\u4ee5\u500b\u4eba\u55ae\u7368\u4e0a\u9650\u70ba\u6e96\u3002\u4f46\u662f\u592b\u59bb\u7684\u5171\u540c\u6536\u5165\u6700\u5c11\u5fc5\u9808\u8207\u5b58\u5165\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u7e3d\u91d1\u984d\u76f8\u540c\uff0c\u540c\u6642\u592b\u59bb\u5728\u5b58\u5165\u91d1\u984d\u7684\u7576\u5e74\u5fc5\u9808\u4ee5\u5171\u540c\u540d\u7fa9\u5831\u7a05\u3002 \u8f49\u79fb\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Rollover IRA\uff09\u5141\u8a31\u4fdd\u55ae\u6301\u6709\u4eba\u5728\u8f49\u63db\u5de5\u4f5c\u6216\u9000\u4f11\u6642\u5c07\u96c7\u4e3b\u63d0\u4f9b\u7684\u9000\u4f11\u8a08\u5283\u8f49\u79fb\u5230\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u3002\u9019\u6a23\u505a\u4ee4\u4fdd\u55ae\u6301\u6709\u4eba\u5f97\u4ee5\u7e7c\u7e8c\u4eab\u53d7\u9000\u4f11\u8cc7\u91d1\u7de9\u7a05\u7684\u597d\u8655\uff0c\u76f4\u5230\u5fc5\u9808\u63d0\u9818\u6642\u70ba\u6b62\u3002\u91cd\u8981\u7684\u662f\u5728\u8f49\u79fb\u8cc7\u91d1\u6642\uff0c\u52d9\u5fc5\u9075\u7167\u8f49\u79fb\u8cc7\u91d1\u7684\u6709\u95dc\u898f\u5b9a\u624d\u80fd\u4fdd\u969c\u7de9\u7a05\u548c\u5176\u4ed6\u597d\u8655\u3002 \u5ef6\u4f38\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Stretch IRA\uff09\u662f\u5728\u6301\u6709\u4eba\u4e0d\u518d\u9700\u8981\u8cc7\u91d1\u4f86\u6eff\u8db3\u9000\u4f11\u751f\u6d3b\u7684\u9700\u6c42\u6642\uff0c\u5c07\u66f4\u591a\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u8cc7\u91d1\u8f49\u8b93\u7d66\u5fc3\u611b\u7684\u4eba\u7684\u65b9\u6cd5\u3002\u5982\u679c\u5e33\u6236\u6301\u6709\u4eba\u7d42\u5176\u4e00\u751f\u53ea\u63d0\u9818\u898f\u5b9a\u7684\u6700\u4f4e\u6536\u76ca\uff0c\u8a72\u5e33\u6236\u4e4b\u6536\u76ca\u5c31\u6709\u53ef\u80fd\u5728\u6301\u6709\u4eba\u81e8\u7d42\u6642\u6210\u9577\u5230\u5176\u4e00\u751f\u4e2d\u7684\u6700\u9ad8\u9ede\uff0c\u56e0\u6b64\u6709\u6a5f\u6703\u7559\u7d66\u53d7\u76ca\u4eba\u4e00\u7b46\u7de9\u7a05\u7684\u907a\u7522\u3002 \u6559\u80b2\u9000\u4f11\u5e33\u6236\uff08Education IRA\uff09\u6216\u7a31 Coverdell\u6559\u80b2\u5132\u84c4\u5e33\u6236\uff08Coverdell Education Savings 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Inc.\u662f\u5728\u5168\u7f8e\u5404\u5730\u3001\u62c9\u4e01\u7f8e\u6d32\u3001\u6b50\u6d32\u8207\u4e9e\u592a\u5730\u5340\u71df\u904b\uff0c\u5728\u63d0\u4f9b\u5e74\u91d1\u3001\u54e1\u5de5\u798f\u5229\u3001\u4fdd\u96aa\u8207\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u5c45\u9818\u5c0e\u5730\u4f4d\u7684\u516c\u53f8\u3002MetLife, Inc.\u900f\u904e\u5176\u5b50\u516c\u53f8\u8207\u95dc\u4fc2\u4f01\u696d\uff0c\u70ba\u5168\u4e16\u754c\u4e03\u5343\u9918\u842c\u540d\u9867\u5ba2\u63d0\u4f9b\u670d\u52d9\uff0cMetLife\u540c\u6642\u4e5f\u662f\u7f8e\u570b\u6700\u5927\u7684\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\uff08\u6839\u64da\u76ee\u524d\u6709\u6548\u7684\u58fd\u96aa\u4fdd\u55ae\u8a08\u7b97\uff09\u3002MetLife\u516c\u53f8\u70ba\u500b\u4eba\u63d0\u4f9b\u4eba\u58fd\u4fdd\u96aa\u3001\u5e74\u91d1\u3001\u6c7d\u8eca\u8207\u623f\u5c4b\u4fdd\u96aa\u3001\u9280\u884c\u96f6\u552e\u670d\u52d9\u53ca\u5176\u4ed6\u7406\u8ca1\u670d\u52d9\uff0c\u4e5f\u70ba\u4f01\u696d\u53ca\u5176\u4ed6\u6a5f\u69cb\u63d0\u4f9b\u5718\u9ad4\u4fdd\u96aa\u3001\u9000\u4f11\u8207\u5132\u84c4\u7522\u54c1\u53ca\u670d\u52d9\u3002\u6b32\u77e5\u9032\u4e00\u6b65\u8a73\u60c5\uff0c\u8acb\u767b\u5165www.metlife.com\u3002 \u5927\u90fd\u6703\u6839\u64da\u570b\u7a05\u5c40Circular 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post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sf.chinesebay.com\/laozhong\/wp-content\/uploads\/2010\/08\/image10-300x57.png?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":165205,"url":"https:\/\/newsforchinese.com\/v3\/2018\/12\/18\/%e6%96%b0%e5%b9%b4%e6%9c%89%e7%90%86%e8%b2%a1%e4%bf%9d%e9%9a%aa%e8%a8%88%e7%95%ab%e4%ba%86%e5%97%8e%ef%bc%9f\/","url_meta":{"origin":15168,"position":5},"title":"\u65b0\u5e74\u6709\u7406\u8ca1\u4fdd\u96aa\u8a08\u756b\u4e86\u55ce\uff1f","author":"Raymond","date":"December 18, 2018","format":false,"excerpt":"\u65b0\u5e74\u5feb\u4f86\u4e86\uff0c\u5f88\u591a\u5bb6\u5ead\u6b64\u6642\u90fd\u6703\u589e\u52a0\u4e00\u7b46\u9592\u7f6e\u8cc7\u91d1\uff0c\u6b64\u6642\u53ef\u4ee5\u8003\u616e\u5c0d\u500b\u4eba\u6216\u5bb6\u5ead\u9032\u884c\u7406\u8ca1\u4fdd\u96aa\u898f\u5283\uff0c\u4e26\u70ba\u5bb6\u4eba\u9069\u7576\u589e\u6dfb\u4e00\u4e9b\u4fdd\u96aa\uff0c\u5c31\u986f\u5f97\u5c24\u70ba\u5fc5\u8981\u548c\u53ef\u884c\u3002\u6211\u5011\u9700\u8981\u4ec0\u9ebd\u6a23\u7684\u7406\u8ca1\u4fdd\u96aa\u8a08\u5283\u5462\uff1f \u00a0 \u4e00\u3001\u514d\u7a05\u9000\u4f11\u8a08\u756b 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