{"id":153919,"date":"2018-03-28T23:37:10","date_gmt":"2018-03-29T06:37:10","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=153919"},"modified":"2018-03-28T23:37:10","modified_gmt":"2018-03-29T06:37:10","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u570b\u5bb6\u4eba\u58fd\u00a0\u8b93\u60a8\u7684\u751f\u6d3b\u66f4\u7cbe\u5f69\u00a0"},"content":{"rendered":"<p>\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<!--more-->\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<\/p>\n<p>\u5e38\u7528\u7684\u5e7e\u7a2e\u9000\u4f11\u8a08\u5283\uff1a<\/p>\n<p>1. 401k\u00a0\u6216\u662fRoth 401k\uff1a\u53ef\u4ee5\u62b5\u7a05<\/p>\n<p>\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\u00a0401k\u3002<\/p>\n<p>\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\u00a0\uff0c\u96c7\u4e3b\u53ef\u80fd\u6703\u7d66\u4f60\u88dc\u5145$3,000\u3002\u6709\u4e9b\u884c\u696d(\u5982\u91ab\u9662\u3001\u5b78\u6821)\u7684\u88dc\u5145\u6bd4\u4f8b\u9ad8\uff0c\u6709\u4e9b\u4f4e\uff0c\u4e5f\u6709\u4e9b\u516c\u53f8\u6839\u672c\u5c31\u6c92\u6709\u3002<\/p>\n<p>\u5169\u8005\u9084\u662f\u6709\u5dee\u5225\uff1a<\/p>\n<p>1.\u00a0\u6295\u5165401k\u8a08\u5283\u7684\u9322\u53ef\u4ee5\u7576\u4e0b\u62b5\u7a05\uff0c\u5e74\u7d42\u5831\u7a05\u6642\u53ef\u4ee5\u628a\u6295\u5165401k\u7684\u90a3\u90e8\u5206\u6e1b\u6389\u3002\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c\u62ff\u51fa\u4f86\u7684\u9322\u90fd\u9700\u8981\u7e73\u6536\u5165\u7a05\u3002<\/p>\n<p>2.\u00a0\u6295\u5165Roth 401k\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<\/p>\n<p>\u6bd4\u8f03\uff1a401k\u548cRoth 401k\u7684\u5340\u5225\u5c31\u662f\u4e00\u500b\u662f\u7a05\u524d\uff0c\u4e00\u500b\u662f\u7a05\u5f8c\u00a0\u3002\u7a76\u7adf\u54ea\u500b\u66f4\u597d\u5462\uff1f\u9019\u500b\u8981\u56e0\u4eba\u800c\u7570\u00a0\u3002<\/p>\n<p>2.\u00a0\u50b3\u7d71IRA\u6216\u662fRoth IRA\uff1a<\/p>\n<p>\u6709\u4e9b\u516c\u53f8\u4e0d\u63d0\u4f9b\u4efb\u4f55\u9000\u4f11\u8a08\u5283\uff0c\u6240\u4ee5\u500b\u4eba\u53ef\u4ee5\u5148\u958b\u8a2d\u50b3\u7d71IRA\u6216\u662f\u00a0Roth IRA\u8cec\u6236\u3002\u6bcf\u5e74\u53ef\u4ee5\u6295\u5165$5,500\uff0c\u5982\u679c\u4f60\u5e74\u904e50\uff0c\u5247\u53ef\u4ee5\u6295\u5165$6,500\u3002\u9019\u5169\u500b\u8a08\u5283\u8ddf\u4e4b\u524d\u7684401k\u548c\u00a0Roth 401k\u7684\u6027\u8cea\u5dee\u4e0d\u591a:<\/p>\n<p>1.\u00a0\u6295\u5165IRA\u8a08\u5283\u7684\u9322\u53ef\u4ee5\u7576\u4e0b\u62b5\u7a05\uff0c\u5e74\u7d42\u5831\u7a05\u6642\u53ef\u4ee5\u628a\u6295\u5165IRA\u7684\u90a3\u90e8\u5206\u6e1b\u6389\u3002\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c\u62ff\u51fa\u4f86\u7684\u9322\u90fd\u9700\u8981\u7e73\u6536\u5165\u7a05\u3002<\/p>\n<p>2.\u00a0\u6295\u5165Roth IRA\u8a08\u5283\u7684\u9322\u4e0d\u80fd\u7576\u4e0b\u62b5\u7a05\uff0c\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c\u00a0\u62ff\u51fa\u4f86\u7684\u9322\u4e0d\u7528\u5728\u7e73\u4efb\u4f55\u7684\u7a05\u3002<\/p>\n<p>\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\u00a0\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\u00a0\u3002<\/p>\n<p>3. SEP\u00a0IRA(Simplied\u00a0Employee Pension)\u8a08\u5283\uff1a<\/p>\n<p>\u9019\u7a2e\u8a08\u5283\u9069\u5408\u81ea\u7531\u8077\u696d\u8005\/\u81ea\u96c7\u4e3b\u696d\u8005\uff0c\u5982\u5c0f\u516c\u53f8\u8001\u95c6\uff0c\u6216\u8005\u98181099\u8868\u7684\u4eba\u6e96\u5099\u7684\uff0c\u6709\u4e9b\u4eba\u65e2\u9818W2\u8868\uff0c\u53c8\u98181099\u8868\uff0c\u52471099\u8868\u4e0a\u7684\u6536\u5165\u4e5f\u53ef\u4ee5\u62ff\u4f86\u958b\u8a2dSEP\u3002\u9019\u985e\u4eba\u7fa4\u628a\u5e74\u6de8\u6536\u5165\u768425\u62ff\u53bb\u958b\u8a2dSEP\uff0c\u6700\u591a\u4e0d\u80fd\u8d85\u904e$5.3\u842c(2015\u5e74)\u3002<\/p>\n<p>\u8209\u4f8b\uff1a\u5982\u679c\u662f\u958b\u696d\u91ab\u751f\u6216\u5f8b\u5e2b\uff0c\u5e74\u6536\u5165$20\u842c\uff0c\u53bb\u6389\u6709\u95dc\u7684\u8cbb\u7528\u3001\u793e\u6703\u4fdd\u96aa\u3001\u7a05\u3001\u91ab\u7642\u4fdd\u96aa\u7b49\uff0c\u4f60\u7684\u6de8\u6536\u5165\u662f$15\u842c\uff0c\u4f60\u53ef\u4ee5\u62ff\u51fa$3\u842c(15\u842cx20%)\u4f86\u958b\u8a2dSEP\uff0c\u4f60\u5831\u7a05\u5c31\u6309$12\u842c(15\u842c-3\u842c)\u4f86\u5831\uff0c\u5b9a\u7684\u7d2f\u7a4d\u5230\u4e00\u5b9a\u7684\u8ca1\u5bcc\u53ef\u4ee5\u8003\u616e\u65e9\u9000\u4f11\uff0c\u4eab\u53d7\u9000\u4f11\u751f\u6d3b\u3002\u5982\u4f55\u898f\u5283\u9000\u4f11\u8a08\u5283\uff0c\u9078\u64c7\u54ea\u4e9b\u7522\u54c1\uff0c\u4fdd\u969c\u5e74\u8001\u4e86\u4e5f\u80fd\u4eab\u53d7\u5230\u8f03\u9ad8\u7684\u751f\u6d3b\u54c1\u8cea\uff0c\u9019\u500b\u6642\u5019\uff0c\u4e00\u500b\u5c08\u696d\u53ef\u9760\u7684\u4ee3\u7406\u4eba\u5c31\u986f\u5f97\u975e\u5e38\u7684\u91cd\u8981\uff0c\u53ea\u6709\u5c0d\u4ee5\u4e0a\u8a08\u5283\u6709\u8db3\u5920\u5c08\u696d\u7684\u77ad\u89e3\uff0c\u624d\u80fd\u5e6b\u52a9\u5ba2\u6236\u66f4\u597d\u5730\u898f\u5283\u8cc7\u7522\uff0c\u9078\u64c7\u5408\u9069\u7684\u8a08\u5283\uff0c\u4e5f\u4fdd\u8b49\u4e86\u5ba2\u6236\u5229\u76ca\u6700\u5927\u5316\u3002<\/p>\n<p>\u5168\u7f8e\u514d\u8cbb\u670d\u52d9\u71b1\u7dda\u00a0\uff1a1-877-650-6870<span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"153920\" data-permalink=\"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\/%e5%9c%8b%e5%ae%b6%e4%ba%ba%e5%a3%bdsteven-liu-photo\/\" data-orig-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/\u570b\u5bb6\u4eba\u58fdSteven-Liu-photo.jpg\" data-orig-size=\"388,486\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;MX310 series&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1259706522&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"\u570b\u5bb6\u4eba\u58fdSteven Liu photo\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/\u570b\u5bb6\u4eba\u58fdSteven-Liu-photo.jpg\" class=\"alignnone size-full wp-image-153920\" src=\"http:\/\/old.newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/\u570b\u5bb6\u4eba\u58fdSteven-Liu-photo.jpg\" alt=\"\" width=\"388\" height=\"486\" srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/\u570b\u5bb6\u4eba\u58fdSteven-Liu-photo.jpg 388w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/\u570b\u5bb6\u4eba\u58fdSteven-Liu-photo-240x300.jpg 240w\" sizes=\"auto, (max-width: 388px) 100vw, 388px\" \/><\/p>\n<p>\u6587\/\u570b\u5bb6\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u52a0\u5dde\u5206\u516c\u53f8\u5e02\u5834\u7e3d\u76e3\u5289\u96f2\u5c71<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"business,biz,money\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1522280230\"\r\n\t            data-title=\"\u570b\u5bb6\u4eba\u58fd\u00a0\u8b93\u60a8\u7684\u751f\u6d3b\u66f4\u7cbe\u5f69\u00a0\" \r\n\t            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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":209209,"url":"https:\/\/newsforchinese.com\/v3\/2021\/10\/26\/%e5%9c%a8%e7%be%8e%e5%9c%8b%ef%bc%8c%e9%80%80%e4%bc%91%e4%b9%8b%e5%be%8c%e5%a6%82%e4%bd%95%e9%a4%8a%e8%80%81%ef%bc%9f\/","url_meta":{"origin":153919,"position":1},"title":"\u5728\u7f8e\u570b\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\uff1f","author":"Raymond","date":"October 26, 2021","format":false,"excerpt":"\u6309\u7167\u4fdd\u96aa\u516c\u53f8\u767c\u5e03\u7684\u6700\u65b0\u6578\u64da\uff0c\u5982\u4eca\u7f8e\u570b\u4eba\u4e2d\uff0c65\u6b72\u7684\u7537\u6027\u6709\u4e00\u534a\u7684\u6a5f\u7387\u80fd\u6d3b\u523085\u6b72\uff0c1\/4\u7684\u6a5f\u7387\u6d3b\u523092\u6b72\uff1b65\u6b72\u7684\u5973\u6027\u6709\u4e00\u534a\u7684\u6a5f\u7387\u80fd\u6d3b\u523088\u6b72\uff0c1\/4\u7684\u6a5f\u7387\u6d3b\u523094\u6b72\u3002 \u96a8\u8457\u4eba\u5011\u58fd\u547d\u7684\u589e\u52a0\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\u5c31\u6210\u4e86\u4eba\u5011\u5fc5\u9808\u8981\u9762\u81e8\u7684\u554f\u984c\u3002 \u5927\u5bb6\u5148\u4f86\u4e86\u89e3\u4e00\u4e0b\u7f8e\u570b\u9000\u4f11\u8a08\u5283\u7684\u4e09\u5927\u4e3b\u8981\u9ad4\u7cfb\uff1a\u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1(Social Security Tax)\uff0c\u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1(Pension Plan)\u53ca\u500b\u4eba\u9000\u4f11\u91d1\u8a08\u5283 (401k, IRA\u7b49)\u3002 01. Social Security Tax \u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1 \u9019\u9805\u9ad4\u4fc2\u662f\u7531\u806f\u90a6\u653f\u5e9c\u4e3b\u5c0e\u4e26\u5f37\u5236\u5be6\u65bd\u7684\u9000\u4f11\u91d1\u5236\u5ea6\uff0c\u6240\u6709\u516c\u53f8\u50f1\u54e1\u90fd\u9700\u5f37\u5236\u53c3\u8207\u3002\u8a08\u7b97\u65b9\u5f0f\u662f\u5c07\u7a05\u524d\u6536\u5165\u7684\u4e00\u5b9a\u6bd4\u4f8b(\u76ee\u524d\u662f6.2%)\u4ea4\u7d66\u7f8e\u570b\u653f\u5e9c\uff0c\u5728\u6bcf\u500b\u6708\u7684\u85aa\u6c34\u55ae\u4e2d\u53ef\u4ee5\u770b\u5230\u5b83\u7684\u81ea\u52d5\u6263\u9664\u3002\u5176\u4e2d\u9700\u8981\u4ea4\u7a05\u7684\u6536\u5165\u6703\u6709\u4e00\u500b\u4e0a\u9650\uff0c\u8d85\u51fa\u90e8\u5206\u5247\u7121\u9700\u7e73\u7a05\uff0c\u9019\u4e00\u4e0a\u7dda\u6703\u6839\u64da\u901a\u8ca8\u81a8\u8139\u7387\u505a\u51fa\u76f8\u61c9\u8abf\u6574\uff0c \u59822018\u5e74\u70ba$128,400\uff0c2019\u5e74\u70ba$132,900\u3002\u53c3\u8207\u7e73\u8cbb\u7684\u6c11\u773e\u5728\u7d2f\u8a08\u4ea4\u6eff40\u500b\u5b63\u5ea6(\u537310\u5e74)\u5f8c\uff0c\u5728\u9000\u4f11\u5f8c\u5c31\u53ef\u9818\u53d6\u76f8\u61c9\u7684\u9000\u4f11\u798f\u5229\u4e86\u3002 02. Pension Plan \u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1 \u9000\u4f11\u91d1\u4e0d\u9700\u8981\u516c\u53f8\u548c\u653f\u5e9c\u7684\u50f1\u54e1\u53c3\u8207\u4ea4\u9322\uff0c\u6240\u6709\u8cbb\u7528\u548c\u798f\u5229\u7531\u516c\u53f8\u548c\u653f\u5e9c\u55ae\u65b9\u9762\u8ca0\u8cac\u627f\u64d4\u548c\u7d93\u71df\u3002 03. 401k, IRA \u500b\u4eba\u9000\u4f11\u8a08\u5283 \u9700\u8981\u54e1\u5de5\u81ea\u5df1\u5b58\u9322\u9032401k\u8cec\u6236\u88e1\u9762\uff0c\u9019\u500b\u90e8\u5206\u662f\u770b\u500b\u4eba\u60f3\u8981\u5b58\u5165\u85aa\u6c34\u7684\u767e\u5206\u6bd4\u6216\u6578\u984d\uff0c\u518d\u5728\u6bcf\u6708\u7684\u85aa\u6c34\u55ae\u4e2d\u6263\u9664\u7684\u3002\u76f8\u7576\u591a\u7684\u516c\u53f8\u4ee5401k match\u70ba\u798f\u5229\u5e6b\u52a9\u54e1\u5de5\u5b58\u9322\uff0c\u610f\u601d\u662f\u54e1\u5de5\u5b58\u5165\u4e00\u7b46\u9322\u9032\u81ea\u5df1\u7684401k\u8cec\u6236\uff0c\u516c\u53f8\u5b58\u5165\u76f8\u540c\u6578\u984d\u6216\u540c\u6a23\u6bd4\u4f8b\u7684\u9322\u3002\u4f8b\u5982\u54e1\u5de5\u6bcf\u6708\u85aa\u6c34$3000, \u8a08\u5283\u5b583%\u5230401K\uff08\u4e5f\u5c31\u662f$90\uff09\uff0c\u516c\u53f8\u4e5f\u5c31\u6703\u5e6b\u4f60\u5b583%\u53bbmatch\u4f60\u7684\u984d\u5ea6\u3002 \u53e6\u4e00\u500bIRA\uff0c\u53c8\u53ebIndividual Retirement Account\uff0c\u662f\u53e6\u4e00\u7a2e\u7f8e\u570b\u4eba\u7ba1\u7406\u9000\u4f11\u91d1\u7684\u5e38\u7528\u5e33\u6236\u985e\u5225\u3002\u9019\u662f\u7531\u500b\u4eba\u8ca0\u8cac\uff0c\u81ea\u9858\u53c3\u52a0\u7684\u500b\u4eba\u5132\u84c4\u990a\u8001\u4fdd\u96aa\u5236\u5ea6\u3002 \u27a4401K\u8207IRA\u53c8\u5404\u81ea\u5206\u70ba\u50b3\u7d71\u578b\u548c\u7f85\u65af\u578b \u25cf\u50b3\u7d71\u578bTraditional\uff1a\u5148\u5b58\u9322\uff0c\u5b58\u5165\u7684\u9322\u53ef\u4ee5\u62b5\u7576\u5e74\u500b\u4eba\u6240\u5f97\u7a05 (Pre-Tax)\uff0c\u672a\u4f86\u63d0\u53d6\u6642\u518d\u7e73\u4ea4\u500b\u4eba\u6240\u5f97\u7a05\uff0c\u53ef\u4ee5\u4eab\u6709\u5ef6\u9072\u7d0d\u7a05Tax Deferral\u7684\u597d\u8655\u3002 \u25cf\u7f85\u65af\u578bRoth\uff1a\u9700\u5148\u7e73\u4ea4\u500b\u4eba\u6240\u5f97\u7a05\u624d\u80fd\u5b58\u5165\uff0c\u5b58\u5165\u7684\u9322\u4e0d\u80fd\u62b5\u7576\u5e74\u500b\u4eba\u6240\u5f97\u7a05 (After-TAX)\uff0c\u53d6\u51fa\u6642\u7121\u9808\u518d\u4ea4\u7a05\u3002 401K\u3001Roth 401K \u3001IRA\u3001Roth IRA \u7684\u6bd4\u8f03\u3002 410K\u548cIRA\u90fd\u6709\u5404\u81ea\u7684\u7279\u9ede\u548c\u4e00\u5b9a\u7a05\u4e0a\u7684\u597d\u8655\uff0c\u4f46\u662f410K\u548cIRA\u90fd\u662f\u901a\u904e\u7279\u5b9a\u7684\u91d1\u878d\u6a5f\u69cb\u4f86\u7ba1\u7406 (401K \u7531\u96c7\u4e3b\u6311\u9078\uff0cIRA\u7531\u54e1\u5de5\u81ea\u5df1\u6311\u9078)\u3002\u6bcf\u500b\u6708\u5c07\u9322\u5b58\u5165\u9000\u4f11\u8cec\u6236\u5f8c\uff0c\u50f1\u54e1\u53ef\u81ea\u4e3b\u9078\u64c7\u6295\u8cc7\u5e02\u5834\u8207\u7522\u54c1\u7d44\u5408\uff0c\u4e26\u81ea\u884c\u627f\u64d4\u6295\u8cc7\u98a8\u96aa\u76c8\u8667\u3002\u7d93\u6fdf\u597d\u7684\u6642\u5019\u9000\u4f11\u8cec\u6236\u88e1\u7684\u56de\u5831\u8c50\u539a\uff0c\u4f46\u662f\u7d93\u6fdf\u4e0d\u597d\u5e02\u5834\u4e0b\u8dcc\u6642\u5247\u5f88\u6709\u53ef\u80fd\u640d\u5931\u6158\u91cd\u3002\u4e26\u4e14410k\u548cIRA\u8cec\u6236\u88e1\u7684\u9322\u4e26\u4e0d\u80fd\u4fdd\u8b49\u81ea\u5df1\u9000\u4f11\u4e4b\u5f8c\u53ef\u4ee5\u9818\u53d6\u4e00\u8f29\u5b50\u3002 \u5e74\u91d1 \u5982\u679c\u80fd\u6709\u4e00\u7a2e\u9000\u4f11\u8a08\u5283\u7522\u54c1\u80fd\u4fdd\u8b49\u5728\u9000\u4f11\u4e4b\u5f8c\uff0c\u7121\u8ad6\u5e02\u5834\u60c5\u6cc1\u5982\u4f55\uff0c\u6bcf\u5e74\u90fd\u53ef\u4ee5\u56fa\u5b9a\u9818\u53d6\u81f3\u5c11\u4e00\u5b9a\u91d1\u984d\u7684\u990a\u8001\u91d1\uff0c\u671f\u9650\u662f\u4e00\u8f29\u5b50\u90a3\u8a72\u591a\u597d\uff01\u5982\u679c\u5728\u81ea\u5df1\u53bb\u4e16\u4e4b\u524d\u9084\u6c92\u6709\u9818\u5b8c\u7684\u8a71\uff0c\u9084\u53ef\u4ee5\u628a\u5269\u4e0b\u7684\u9322\u50b3\u627f\u7d66\u81ea\u5df1\u7684\u5bb6\u4eba\uff0c\u8c48\u4e0d\u662f\u66f4\u597d\uff1f\u9019\u6642\uff0c\u4fdd\u96aa\u516c\u53f8\u7684\u5e74\u91d1\u5c31\u6d3e\u4e0a\u4e86\u7528\u5834\u3002 \u5e74\u91d1Annuity\u662f\u4e00\u7a2e\u4fdd\u96aa\u7522\u54c1\uff0c\u662f\u500b\u4eba\u6216\u516c\u53f8\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u4e00\u500b\u5408\u540c\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u4e00\u7a2e\u9000\u4f11\u5132\u84c4\u5de5\u5177\u3002 \u512a\u52e2\u4e00 \u9019\u4e5f\u662f\u5176\u6700\u5927\u512a\u52e2\uff0c\u70ba\u53ef\u4ee5\u5ef6\u7a05tax-deferral (\u4e0d\u53ef\u62b5\u7a05)\uff0c\u5373\u8cec\u6236\u88e1\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\u3002\u653e\u9032\u5e33\u6236\u88e1\u7684\u9322\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u9818\u53d6\u990a\u8001\u91d1\u6642\u624d\u9700\u8981\u4ea4\u7a05\u3002\u2026","rel":"","context":"In &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\/2016\/04\/retirement-money.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":130843,"url":"https:\/\/newsforchinese.com\/v3\/2016\/12\/28\/%e6%ad%b2%e6%9c%ab%e7%a8%85%e5%8b%99%e5%83%85%e5%89%a93%e5%a4%a9\/","url_meta":{"origin":153919,"position":2},"title":"\u6b72\u672b\u7a05\u52d9\u50c5\u52693\u5929","author":"Raymond","date":"December 28, 2016","format":false,"excerpt":"\u5728\u7063\u5340\u5275\u696d\u6253\u62fc\u7684\u83ef\u4eba\u670b\u53cb\u6191\u85c9\u81ea\u5df1\u7684\u8070\u660e\u624d\u667a\uff0c\u4e0d\u50c5\u7cbe\u719f\u751f\u610f\u4e4b\u9053\uff0c\u66f4\u52a0\u4e0a\u611b\u62fc\u624d\u6703\u8d0f\u7684\u62fc\u640f\u7cbe\u795e\uff0c\u77fd\u8c37\u6210\u529f\u5546\u696d\u4eba\u58eb\u7684\u6848\u4f8b\u6bd4\u6bd4\u7686\u662f! \u8a31\u591a\u6210\u529f\u7684\u5c0f\u578b\u696d\u4e3b\uff0c\u5305\u62ec\u91ab\u751f, \u5f8b\u5e2b\uff0c\u7259\u91ab, \u9ad8\u6536\u5165\u623f\u5730\u7522\u7d93\u7d00\uff0c\u6703\u8a08\u5e2b\u7b49\u5404\u884c\u5404\u696d\u7684\u5c08\u7cbe\u4eba\u58eb\uff0c\u5982\u679c\u60a8\u80fd\u5728\u65b0\u5e74\u5047\u671f\u767e\u5fd9\u4e2d\u768412\u670831\u65e5\u524d\u82b1\u4e00\u9ede\u9ede\u6642\u9593\u505a\u4e00\u9ede\u5e6b\u81ea\u5df1\u5408\u6cd5\u5ef6\u7a05\u7684\u90a3\u9ede\u4e8b\u5152\uff0c\u90a3\u9ebc\u660e\u5e744\u6708\u5831\u7a05\u5b63\u5c31\u6c92\u90a3\u9ebc\u982d\u75bc\u548c\u5f8c\u6094\uff01 \u200b\u5927\u5bb6\u90fd\u6709\u7684\u5171\u8b58\u200b\uff0c\u7063\u5340\u83ef\u4eba\u504f\u611b\u623f\u5730\u7522\u6295\u8cc7\u6216\u8005\u5e73\u6642\u4e0d\u71d2\u9999\uff0c\u81e8\u6642\u62b1\u4f5b\u8173\u9000\u4f11\u7684\u4eba\u4e5f\u4e0d\u5c11\u3002\u200b\u660e\u660e\u77e5\u9053\uff0c\u70ba\u81ea\u5df1\u7684\u9000\u4f11\u8a08\u5283\u800c\u6295\u8cc7\uff0c\u662f\u4e00\u4ef6\u6c92\u6709\u4efb\u4f55\u640d\u5931\uff0c\u7d55\u5c0d\u5fc5\u9808\u53c8\u7d55\u5c0d\u91cd\u8981\u7684\u5927\u597d\u4e8b\u60c5\uff1b\u660e\u660e\u77e5\u9053\u81ea\u5df1\u6240\u6295\u8cc7\u7684\u6bcf\u4e00\u5206\u9322\u90fd\u662f\u5c6c\u65bc\u81ea\u5df1\uff0c\u90fd\u6703\u5728\u6642\u9593\u4e2d\u5927\u5e45\u5ea6\u589e\u8ca1\u3002\u7136\u800c\uff0c\u537b\u7e3d\u662f\u6c92\u6709\u884c\u52d5\u3002 \u6709\u4eba\u5343\u5c0f\u5fc3\uff0c\u842c\u76e4\u7b97\uff0c\u5be7\u9858\u628a\u9322\u653e\u5728\u9280\u884c\u91cc\u8cb6\u503c\uff0c\u4e5f\u4e0d\u53bb\u88fd\u5b9a\u9000\u4f11\u8a08\u5283\uff0c\u767d\u767d\u6d6a\u8cbb\u4e86\u81ea\u5df1\u61c9\u8a72\u4eab\u53d7\u7a05\u52d9\u512a\u60e0\u7684\u6b0a\u5229\uff0c\u767d\u767d\u6d6a\u8cbb\u4e86\u91d1\u9322\u7684\u6642\u9593\u50f9\u503c\u3002\u5728\u6b64\u7279\u5225\u63d0\u9192\uff1a\u6240\u6709\u7a05\u52d9\u512a\u60e0\u7684\u6b0a\u5229\u90fd\u662f\u6bcf\u5e74\u4e0d\u7528\u767d\u4e0d\u7528\uff0c\u904e\u671f\u4e00\u6982\u4f5c\u5ee2\u3002\u800c\u4e14\uff0c\u5982\u679c\u6295\u8cc7\u7684\u6642\u9593\u77ed\u66ab\uff0c\u91d1\u9322\u7684\u6642\u9593\u50f9\u503c\u4e5f\u5927\u5927\u4e0b\u964d\uff0c\u7121\u8ad6\u600e\u9ebc\u8ffd\u8d95\uff0c\u4e5f\u8981\u5dee\u4e00\u5927\u622a\u3002 \u7f8e\u570b\u7a05\u6cd5\u5c0d\u5404\u985e\u9000\u4f11\u91d1\u8a08\u5283\u90fd\u6709\u4e00\u5b9a\u7684\u512a\u60e0\u653f\u7b56\uff0c\u516c\u53f8\u4f01\u696d\u8cc7\u52a9\u7684\u9000\u4f11\u91d1\u662f\u53ef\u4ee5\u4f5c\u70ba\u4f01\u696d\u7684\u71df\u904b\u6210\u672c\u80fd100%\u7684\u62b5\u6e1b\u6536\u5165\uff0c\u4e0d\u4f46\u964d\u4f4e\u6240\u5f97\u7a05\u7387\u5c0d\u6709\u4e9b\u5c0f\u578b\u4f01\u696d\u53ef\u4ee5\u5927\u5e45\u964d\u4f4e\u7a05\u6b3e\uff0c\u751a\u81f3\u6709\u4e9b\u60c5\u6cc1\u53ef\u4ee5\u514d\u4ea4\u7a05\uff0c\u4f46\u5fc5\u9808\u8981\u5b8c\u5168\u7b26\u5408\u653f\u5e9c\u7a05\u6cd5\u898f\u5b9a\uff0c\u56e0\u6b64\u6709\u8a31\u591a\u9650\u5236\u3002 \u5408\u683c\u9000\u4f11\u8a08\u5283 Qualified Plan\u5305\u62ec401k\u9000\u4f11\u91d1\u8a08\u5283\uff0c\u5229\u6f64\u5206\u4eab\u8a08\u5283Profit Sharing Plan\u53ca\u76ee\u524d\u975e\u5e38\u666e\u904d\u8a2d\u7acb\u53d7\u83ef\u4eba\u6b61\u8fce\u7684\u56fa\u5b9a\u798f\u5229\u8a08\u5283 Defined Benefit Plan. \u4e00\u822c\u4f86\u8aaa\uff0c\u5c0d\u65bc\u5c0f\u578b\u4f01\u696d\u696d\u4e3b\u5728\u64ec\u8a02\u9000\u4f11\u8a08\u5283\u6642\uff0c\u5fc3\u4e2d\u4e00\u5b9a\u8981\u6709\u5168\u76e4\u7684\u6253\u7b97\uff0c\u660e\u767d\u6bcf\u7a2e\u8ca1\u52d9\u6c7a\u5b9a\u90fd\u6703\u4e92\u76f8\u727d\u9023\uff0c\u5728\u5de5\u4f5c\u671f\u9593\uff0c\u60a8\u53ef\u4ee5\u5229\u7528\u5408\u683c\u9000\u4f11\u8a08\u5283\u964d\u4f4e\u6240\u5f97\u7a05\uff0c\u4e0d\u4f46\u6e1b\u5c11\u958b\u652f\u9084\u53ef\u5e6b\u52a9\u696d\u4e3b\u7d2f\u7a4d\u9000\u4f11\u57fa\u91d1\uff0c\u4e26\u4fdd\u969c\u60a8\u7684\u4f01\u696d\u63d0\u4f9b\u54e1\u5de5\u798f\u5229\uff0c\u4e0d\u4f46\u53ef\u4ee5\u7528\u512a\u60e0\u7684\u9000\u4f11\u8a08\u5283\u4f86\u722d\u53d6\u512a\u79c0\u4eba\u624d\uff0c\u52a0\u5165\u4f01\u696d\u884c\u5217\uff0c\u4e26\u53ef\u4ee5\u6b64\u8a08\u5283\u734e\u52f5\u597d\u7684\u54e1\u5de5\uff0c\u7559\u4f4f\u4eba\u624d\u70ba\u4f01\u696d\u6253\u62fc\u3002 \u540c\u6642\u5c0f\u5546\u696d\u4e3b\u4e5f\u53ef\u4ee5\u8a2d\u7acb\u4f01\u696d\u627f\u50b3\u8a08\u5283Business Succession Plan\uff0c\u4e00\u65e6\u60a8\u9000\u4f11\uff0c\u8b93\u81ea\u5df1\u7684\u5f97\u529b\u52a9\u624b\u6216\u5b50\u5973\u6709\u8cc7\u91d1\u8cfc\u8cb7\u60a8\u7684\u4f01\u696d\uff0c\u4e5f\u5c31\u662f\u900f\u904e\u4f01\u696d\u8a2d\u7acb\u9000\u4f11\u8a08\u5283\uff0c\u50b3\u627f\u898f\u5283\uff0c\u5206\u6d3e\u898f\u5283\uff0c\u907a\u7522\u898f\u5283\u70ba\u696d\u4e3b\u5c07\u4f86\u9000\u4f11\u751f\u6d3b\u4f5c\u51fa\u74b0\u74b0\u76f8\u6263\u7684\u8003\u616e\uff0c\u7528\u4e00\u500b\u6574\u9ad4\u8a08\u5283\u9054\u5230\u5168\u65b9\u4f4d\u7684\u9000\u4f11\u7b56\u7565\u3002 \u56fa\u5b9a\u798f\u5229Defined Benefit Plan\u662f\u570b\u7a05\u5c40\u5141\u8a31\u7684\u6700\u9ad8\u9000\u4f11\u798f\u5229\u8a08\u5283\uff0c\u4eca\u5e74\u6536\u5165\u6700\u9ad8\u7684\u9650\u984d\u662f$265,000\u3002\u4f60\u53ef\u4ee5\u6bcf\u5e74\u653e\u5165\u9000\u4f11\u5e33\u6236\u5b58\u6b3e\uff0c\u7576\u4f60\u9000\u4f11\u6642\uff0c\u4f60\u53ef\u4ee5\u7d42\u751f\u9818\u53d6\u9000\u4f11\u91d1\u3002\u5982\u679c\u4f60\u76ee\u524d\u662f50\u6b72\uff0c\u4f60\u53ef\u4ee5\u5b58\u653e12\u5e74\u5b58\u6b3e\uff0c\u5982\u679c\u60a8\u76ee\u524d58\u6b72\uff0c\u4f60\u53ef\u4ee5\u653e\u51654\u5e74\u5b58\u6b3e\uff0c\u5e74\u7d00\u8d8a\u5927\uff0c\u6309IRS\u898f\u5b9a\u4ee562\u6b72\u70ba\u57fa\u6e96\uff0c\u96e2\u9000\u4f11\u5e74\u7d00\u8d8a\u8fd1\uff0c\u4f60\u53ef\u4ee5\u653e\u5165\u9ad8\u984d\u5b58\u6b3e\u52a0\u7dca\u5132\u84c4\u9000\u4f11\u91d1\uff0c\u6bcf\u5e74\u5b58\u6b3e\u6578\u5b57\u6839\u64da\u60a8\u7684\u5e74\u9f61\uff0c\u6536\u5165\u3001\u8cc7\u7522\u589e\u9577\u7684\u5229\u7387\u53ca\u54e1\u5de5\u670d\u52d9\u5e74\u6578\u4f86\u8a08\u7b97\u3002\u4e00\u822c\u4f86\u8aaa\uff0c50\u6b72\u7684\u696d\u4e3b\u6bcf\u5e74\u53ef\u653e\u9000\u4f11\u91d1\u5b58\u6b3e\u5927\u7d0418\u842c\uff0c58\u6b72\u7684\u696d\u4e3b\u6bcf\u5e74\u53ef\u653e\u516521\u842c\uff0c\u9019\u4e9b\u7279\u8a31\u7684\u5b58\u6b3e\u662f\u5b8c\u5168\u7531\u4f01\u696d\u6536\u5165\u4e2d\u6263\u6e1b\uff0c\u5408\u6cd5\u7684\u6e1b\u7a05\u5c0d\u696d\u4e3b\u4f86\u8aaa\u662f\u4e00\u5927\u798f\u97f3\u3002 \u8a2d\u7acb\u56fa\u5b9a\u798f\u5229\u8a08\u5283\u7684\u622a\u6b62\u65e5\u662f12\/31\u3002\u4e00\u822c\u800c\u8a00 \u200b,\u200b\u56fa\u5b9a\u798f\u5229\u8a08\u5283\u6709\u56db\u7a2e\u985e\u578b\uff1a\u50b3\u7d71\u56fa\u5b9a\u798f\u5229\u8a08\u5283\uff0c \u73fe\u91d1\u9918\u984d\u798f\u5229\u8a08\u5283\uff0c\u5b8c\u5168\u627f\u4fdd\u56fa\u5b9a\u798f\u5229\u8a08\u5283, \u73fe\u91d1\u9918\u984d\u798f\u5229\u8a08\u5283\u8207401k\u8d0f\u5229\u5206\u4eab\u8a08\u5283\u914d\u5957\u8a08\u5283. \u7e3d\u4e4b\uff0c\u7121\u8ad6\u5728\u60a8\u751f\u547d\u4e2d\u7684\u54ea\u4e00\u500b\u968e\u6bb5\uff0c\u60a8\u90fd\u5fc5\u9808 \u6bcf\u5e74\u200b\u70ba\u60a8\u7684\u9000\u4f11\u8a08\u5283\u800c\u6295\u8cc7\u589e\u8ca1\u3002\u5728\u4e00\u500b\u9060\u96e2\u6545\u571f\u7684\u7063\u5340\u200b\uff0c\u6c92\u6709\u4eba\u80fd\u5920\u4e3b\u5bb0\u60a8\u7684\u672a\u4f86\uff0c\u4e5f\u6c92\u6709\u4eba\u80fd\u5920\u70ba\u60a8\u7684\u672a\u4f86\u800c\u627f\u64d4\u8cac\u4efb\u3002\u60a8\u7684\u672a\u4f86\u5b8c\u5168\u638c\u63e1\u5728\u60a8\u7684\u624b\u88e1\uff0c\u53ea\u6709\u60a8\u81ea\u5df1\u624d\u6709\u529b\u91cf\u53bb\u6539\u8b8a\u60a8\u7684\u8ca1\u5bcc\u200b\u672a\u4f86\u3002\u4e00\u65e6\u60a8\u6c7a\u5b9a\u8981\u70ba\u60a8\u7684\u672a\u4f86\u800c\u6295\u8cc7\uff0c\u7121\u8ad6\u60a8\u7684\u7d93\u6fdf\u72c0\u6cc1\u5982\u4f55\uff0c\u589e\u8ca1\u5c08\u5bb6\u90fd\u53ef\u4ee5\u5e6b\u52a9\u60a8\u9054\u5230\u76ee\u6a19\u3002 \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 \u200b12\/31\u524d\u200b\u9810\u7d04\u4e00\u5c0f\u6642\u514d\u8cbb\u8aee\u8a62\u3002\u96fb\u8a71\uff1a877-253 \u200b-\u200b8288, Jenny@EliteWealths.com. \u795d\u798f\u5404\u4f4d\u200b\u65b0\u5e74\u200b\u5feb\u6a02\u200b\u8ca1\u5bcc\u6eff\u6ea2! Jenny Chang, MBA \u5353\u8d8a\u8ca1\u5bcc\u96c6\u5718\u526f\u7e3d\u88c1 \u69ae\u7372NLG2014,\u200b2015,\u200b2016\u5168\u7f8e\u7b2c\u4e00[\u4e09\u9023\u51a0\u3011 \u200b\u200b\u200b\u200b\u200b\u200b\u200b\u87ec\u806f\u767e\u842c\u5713\u684cMDRT-Top of the Table\u9802\u5c16\u9867\u554f \u5168\u7403\u767e\u842c\u5713\u684c\u52a0\u62ff\u5927\u591a\u502b\u591a\u5e74\u6703\u552f\u4e00\u83ef\u4eba\u8b1b\u5e2b KTSF26[\u5353\u8d8a\u4eba\u751f\u8ca1\u5bcc\u89e3\u78bc\u3011\u8ca1\u7d93\u96fb\u8996\u4e3b\u8b1b\u4eba \u9810\u7d04\u96fb\u8a71\uff1a \u200b1-877-253-8288 \u96fb\u90f5\uff1aJenny@EliteWealths.com\u200b\u200b","rel":"","context":"In 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