{"id":159715,"date":"2018-07-31T15:22:45","date_gmt":"2018-07-31T22:22:45","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=159715"},"modified":"2018-07-31T15:23:32","modified_gmt":"2018-07-31T22:23:32","slug":"%e5%8f%af%e4%bb%a5%e7%a9%8d%e7%b4%af%e8%b2%a1%e5%af%8c%e7%b5%82%e7%94%9f%e6%94%b6%e5%85%a5%e7%9a%84%e5%b9%b4%e9%87%91%e6%8a%95%e8%b3%87","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2018\/07\/31\/%e5%8f%af%e4%bb%a5%e7%a9%8d%e7%b4%af%e8%b2%a1%e5%af%8c%e7%b5%82%e7%94%9f%e6%94%b6%e5%85%a5%e7%9a%84%e5%b9%b4%e9%87%91%e6%8a%95%e8%b3%87\/","title":{"rendered":"\u53ef\u4ee5\u7a4d\u7d2f\u8ca1\u5bcc\u7d42\u751f\u6536\u5165\u7684\u5e74\u91d1\u6295\u8cc7"},"content":{"rendered":"<p>\u2605<strong>\u5e74\u91d1Annuity\u662f\u505a\u4ec0\u9ebc\u7528\u7684\uff1f<\/strong><!--more-->\u6307\u6578\u578b\u5e74\u91d1Fixed indexed 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)\uff0c\u4e5f\u4e0d\u6536\u7ba1\u7406\u8cbb\u7b49\u884c\u653f\u8cbb\u7528\u3002<\/p>\n<p><strong>\u2605When\uff5c\u4f55\u6642\u61c9\u8a72\u8cfc\u8cb7\u5e74\u91d1\uff1f\u4f55\u6642\u53ef\u9818\u51fa\uff1f<\/strong><br \/>\n\u25cf\u4f55\u6642\u8cfc\u8cb7\u5e74\u91d1\uff1f\u56e0\u4eba\u800c\u7570\u4e26\u7121\u4e00\u5b9a\u7684\u6a19\u6e96\u7b54\u6848\uff0c\u7aef\u8996\u6295\u8cc7\u4eba\u6253\u7b97\u7684\u9000\u4f11\u5e74\u9f61\u3001\u672a\u4f86\u8ffd\u6c42\u7684\u9000\u4f11\u751f\u6d3b\u578b\u614b\u3001\u76ee\u524d\u5e74\u7d00\u3001\u76ee\u524d\u6536\u5165\u7b49\u9032\u884c\u8a55\u4f30\u8003\u91cf\u3002\u5927\u9ad4\u800c\u8a00\uff0c\u82e5\u6253\u7b9760\u6b72\u9000\u4f11\uff0c50\u6b72\u662f\u500b\u53ef\u4ee5\u958b\u59cb\u9032\u884c\u5e74\u91d1\u898f\u5283\u7684\u4e0d\u932f\u5e74\u7d00\u3002<\/p>\n<p><strong>\u2605How\uff5c\u5982\u4f55\u63d0\u9818\u5e74\u91d1\uff1f<\/strong><br 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1.5x"},"classes":[]},{"id":201863,"url":"https:\/\/newsforchinese.com\/v3\/2021\/05\/25\/%e9%9d%88%e6%b4%bb%e5%ad%98%e9%9d%88%e6%b4%bb%e5%8f%96%e5%b9%b4%e9%87%91%e6%88%90%e4%bf%9d%e9%9a%aa%e6%96%b0%e5%af%b5%ef%bc%8c%e5%84%aa%e5%8b%a2%e6%98%af%e4%bb%80%e9%ba%bc%ef%bc%9f\/","url_meta":{"origin":159715,"position":1},"title":"\u9748\u6d3b\u5b58\u9748\u6d3b\u53d6\u5e74\u91d1\u6210\u4fdd\u96aa\u65b0\u5bf5\uff0c\u512a\u52e2\u662f\u4ec0\u9ebc\uff1f","author":"Raymond","date":"May 25, 2021","format":false,"excerpt":"\u9748\u6d3b\u5b58\u9748\u6d3b\u53d6\u5e74\u91d1\uff0c\u4fdd\u5e95\u9ad8\u56de\u5831\u3002\u70ba\u4f55\u6210\u70ba\u4fdd\u96aa\u65b0\u5bf5\uff0c\u512a\u52e2\u662f\u4ec0\u9ebc\uff1f 2020 & 2021 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1995\u5e74\uff0c\u7f8e\u570b\u7684\u4e00\u4e9b\u4fdd\u96aa\u516c\u53f8\u63a8\u51fa\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\uff0c2008\u5e74\u9019\u7a2e\u5e74\u91d1\u958b\u59cb\u66b4\u7d05\uff0c\u56e0\u70ba\u80a1\u5e02\u72c2\u7009\uff0c\u800c\u5b83\u6700\u4e3b\u8981\u7684\u529f\u7528\u662f\u4fdd\u969c\u4e0d\u6703\u5728\u80a1\u5e02\u4e0a\u7e2e\u6c34\u7684\u5371\u6a5f\u6216\u5e6b\u52a9\u5728\u9000\u4f11\u9700\u7528\u9322\u6642\u4e0d\u6703\u6e1b\u5c11\u9000\u4f11\u91d1\uff0c\u7d50\u5408\u5404\u7a2e\u80a1\u5e02\u6307\u6578\uff0c \u8b8a\u5316\u9078\u64c7\uff0c \u8cfa\u53d6\u5229\u606f\u7684\u6a5f\u6703\uff0c \u5305\u62ec\u6a19\u6e96\u666e\u723e500 \u6307\u6578(S&P 500 Index) \uff0cBarclays Index\uff0cBalanced Asset 10 Index\u7b49\uff0c\u65e2\u53ef\u4eab\u53d7\u80a1\u5e02\u5927\u6f32\u6642\u4f60\u7372\u5f97\u8f03\u9ad8\u56de\u5831\u7684\u597d\u8655\uff0c\u53c8\u907f\u514d\u80a1\u5e02\u4e0b\u8dcc\u6642\u4f60\u7684\u640d\u5931\uff0c\u800c\u4e14\u662f\u5229\u6efe\u5229\u8907\u5229\u589e\u9577\uff0c\u4e0d\u5fc5\u6d6a\u8cbb\u7cbe\u529b\uff0c\u4e0d\u5fc5\u627f\u64d4\u98a8\u96aa\uff0c\u8ca1\u5bcc\u7a69\u5b9a\u52a0\u500d\u6210\u9577\u3002 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\u5e74\u91d1\u662f\u4e00\u500b\u5927\u5bb9\u5668\uff0c\u53ef\u4ee5\u628aqualified\u8a08\u5283\uff0c\u5982401K \u3001403B \u3001TSP\u3001\u50b3\u7d71IRA\u6216SEP IRA\u653e\u5728\u5e74\u91d1\u4e2d\uff0c\u4e5f\u53ef\u4ee5\u628anon-qualified\u8a08\u5283\uff0c\u5373\u7a05\u5f8c\u7684\u9322\u653e\u5728\u5e74\u91d1\u88e1\u9762\u3002\u4e0d\u5c11\u83ef\u4eba\u63db\u4e86\u5de5\u4f5c\u6216\u63d0\u65e9\u9000\u4f11\uff0c\u53ef\u4ee5\u628a\u524d\u516c\u53f8\u7684401K \u3001403B\u3001TSP\u88e1\u7684\u9322\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u81ea\u5df1\u8cfc\u8cb7\u7684\u50b3\u7d71IRA\/\u7f85\u65afIRA\u4e5f\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u9280\u884c\u6c92\u4ec0\u9ebc\u5229\u606f\u7684\u5b58\u6b3e\u4e5f\u8f49\u6295\u5e74\u91d1\u3002\u9019\u7a2erollover\u6216transfer\u53ea\u662f\u63db\u500b\u5730\u65b9\uff0c\u56e0\u800c\u4e0d\u6703\u6709\u7a05\u7684\u554f\u984c\u3002 \u5e74\u91d1\u7684\u4e5d\u5927\u512a\u52e2\uff1a \u4e00\u3001 \u7701\u5fc3\u3001\u5b89\u5fc3\uff1a\u898f\u907f\u98a8\u96aa\uff0c\u7121\u9700\u6280\u8853\u7ba1\u7406\uff0c\u514d\u537b\u4e00\u5207\u7169\u60f1\u3001\u6182\u616e\u3002\u4fdd\u8b49\u751f\u6d3b\u8cea\u91cf\u3001\u4fdd\u8b49\u5065\u5eb7\u3002 \u4e8c\u3001\u6536\u76ca\u9060\u9ad8\u65bc\u4e00\u822c\u6295\u8cc7\u5229\u7387\uff1a\u5982\u5132\u84c4\u50b5\u5238\uff0c\u5132\u84c4\u5e33\u6236\u3001\u5b9a\u671f\u5b58\u6b3e\u3001\u652f\u7968\u6236\u53e3\u7b49\u3002 \u4e09\u3001\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u53ef\u96a8\u6642\u52a0\u5165\uff1a\u7121\u9700\u50cf\u80a1\u5e02\u9078\u64c7\u6642\u6a5f\u5165\u5834\uff0c\u9ede\u5230\u9ede\u8a08\u7b97\u5229\u76ca\u6240\u5f97\u3002 \u56db\u3001\u9060\u9060\u512a\u52dd\u65bc\u793e\u5b89\u91d1\uff1a\u9818\u53d6\u793e\u5b89\u91d1\u5e74\u9f61\u88ab\u4e00\u518d\u63a8\u9072\uff0c\u800c\u4e14\u6839\u672c\u4e0d\u8db3\u4ee5\u652f\u4ed8\u65e5\u5e38\u8cbb\u7528\u3002\u60f3\u64c1\u6709\u7f8e\u6eff\u9000\u4f11\u751f\u6d3b\uff0c\u8cfa\u53d6\u984d\u5916\u9000\u4f11\u91d1\uff0c\u5e74\u91d1\u662f\u6700\u53ef\u9760\u7684\u9078\u64c7\u3002 \u4e94\u3001\u5bb6\u5ead\u4fdd\u969c\uff1a\u7576\u5e74\u91d1\u6301\u6709\u4eba\u4e0d\u5e78\u4eba\u65e9\u8d70\u4e86\uff0c\u4e5f\u662f\u6309\u73fe\u91d1\u8cec\u6236(Account Value)\u9918\u4e0b\u7684\u9322\u7d66\u4e88\u53d7\u76ca\u4eba\u3002 \u516d\u3001\u78ba\u4fdd\u7d42\u751f\u9000\u4f11\u91d1\u7684\u4f86\u6e90\uff1a\u7d42\u751f\u990a\u8001\u91d1\uff0c\u6c38\u9060\u7528\u4e0d\u5b8c\u3002\u8d8a\u9818\u8d8a\u9ad8\uff0c\u6709\u6548\u62b5\u79a6\u901a\u8ca8\u81a8\u8139\u3002 \u4e03\u3001\u6bcf\u5e74\u4fdd\u8b49\u4e0d\u8667\u640d\uff1a\u672c\u91d1\u4fdd\u8b49\u53ca\u6700\u4f4e\u8ff4\u5831\u3002\u6307\u6578\u4e0a\u5347\u6642\u53ef\u8cfa\uff0c\u6307\u6578\u4e0b\u964d\u6642\u672c\u5229\u9396\u5b9a\uff1b\u96f6\u98a8\u96aa\uff08\u7121\u8ad6\u6307\u6578\u4e0b\u8dcc\u3001\u80a1\u5e02\u4e0b\u8dcc\uff0c\u90fd\u4e0d\u6703\u8667\u640d\uff09\u3002 \u516b\u3001\u5ef6\u7a05\u53ca\u5fa9\u5229\uff1a\u672c\u91d1\u3001\u7d05\u5229\uff08\u53ef\u9ad8\u905420%-25%\uff09\uff0c\u8207\u6240\u8cfa\u5229\u606f\u8907\u5229\u8a08\u7b97\uff0c\u5373\u5229\u6efe\u5229\u3002 \u4e5d\u3001\u4fdd\u96aa\u516c\u53f8\u6bd4\u9280\u884c\u66f4\u53ef\u4fe1\uff1a\u81ea2008\u5e74\u91d1\u878d\u6d77\u562f\uff0c\u7f8e\u570b\u5171\u6709525\u5bb6\u9280\u884c\u5012\u9589\uff0c\u537b\u6c92\u6709\u4efb\u4f55\u4e00\u5bb6\u4fdd\u96aa\u516c\u53f8\u5012\u9589\u3002 \u9748\u6d3b\u5b58\u9748\u6d3b\u53d6\uff0c\u4fdd\u5e95\u9ad8\u56de\u5831\uff0c\u672c\u91d1\u7559\u5b50\u5b6b\uff0c\u4f9b\u53c3\u8003\uff1a \u8209\u4f8b\uff1a\u6797\u5148\u751f\uff0c54\u6b72\uff0c\u4ed6\u4f4f\u5728\u99ac\u91cc\u862d\u5dde\uff0c\u4ed6\u524d\u516c\u53f8\u7684401K\u5167\u7684\u8cc7\u91d1\u7d04\u670960\u842c\u7f8e\u5143\uff0c\u4ed6\u5e0c\u671b\u64c1\u6709\u4e00\u4efd\u5e74\u91d1\u8a08\u5283\u662f\u6ce8\u91cd\u73fe\u91d1\u8cec\u6236(account value) \u7684\u7a4d\u7d2f\u548c\u589e\u9577\uff0c\u53ea\u6f32\u4e0d\u8dcc\uff0c\u4e0d\u6703\u56e0\u70ba\u80a1\u5e02\u5927\u8dcc\u800c\u53d7\u5230\u8667\u640d\uff0c\u7576\u80a1\u5e02\u5347\u7684\u6642\u5019\uff0c\u4e5f\u80fd\u53c3\u8207\u589e\u9577\uff0c \u4e26\u4e14\u6c92\u6709\u7ba1\u7406\u8cbb\u7528\u3002 \u7522\u54c1\uff1a\u6b64\u5e74\u91d1\u8a08\u5283\u662f\u53c3\u8003Balanced Asset 10 Index\u8868\u73fe\u4f86\u8a08\u7b97\u56de\u5831\u7387\uff0c\u5982\u679c\u6307\u6578\u4e0a\u6f32\uff0caccount value\u53ef\u4ee5\u4e00\u8d77\u6f32\uff0c\u5982\u679c\u6307\u6578\u4e0b\u8dcc\uff0c\u6536\u76ca\u7387\u4e0d\u6703\u4f4e\u65bc0%\uff0c\u66f4\u4e0d\u6703\u6709\u80a1\u7968\u5e02\u5834\u4e0a\u7684\u8ca0\u5229\u7387\uff0c\u800c\u4e14\u662f\u5229\u6efe\u5229\u8907\u5229\u589e\u9577\u3002\u6b64\u5e74\u91d1\u8a08\u5283\u7684\u73fe\u91d1\u8cec\u6236\u5e74\u5316\u6536\u76ca\u7387\u57280% - 39.22%\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\/2021\/05\/annuity-concept.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/05\/annuity-concept.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/05\/annuity-concept.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":202514,"url":"https:\/\/newsforchinese.com\/v3\/2021\/06\/12\/%e5%9b%ba%e5%ae%9a%e6%8c%87%e6%95%b8%e5%b9%b4%e9%87%91%e7%9a%84%e5%88%a9%e8%88%87%e5%bc%8a\/","url_meta":{"origin":159715,"position":2},"title":"\u7f8e\u570b\u5e74\u91d1\u77e5\u591a\u5c11","author":"Raymond","date":"June 12, 2021","format":false,"excerpt":"\u9000\u4f11\u5f8c\uff0c\u6bcf\u500b\u4eba\u90fd\u8a08\u5283\u904e\u4e00\u7a2e\u8212\u9069\u7684\u751f\u6d3b\uff0c\u5728\u7d93\u6fdf\u4e0a\u4e0d\u4f9d\u8cf4\u65bc\u81ea\u5df1\u7684\u5b69\u5b50\u3002\u56e0\u6b64\uff0c\u5b58\u8db3\u5920\u7684\u9322\u8b93\u9000\u4f11\u6210\u70ba\u4e00\u500b\u4eba\u4e00\u751f\u7684\u9ec3\u91d1\u968e\u6bb5\uff0c\u4ecd\u7136\u662f\u4e00\u500b\u4eba\u751f\u6d3b\u7684\u57fa\u672c\u7d93\u6fdf\u76ee\u6a19\u3002\u5982\u679c\u4f60\u6709\u56fa\u5b9a\u7684\u6536\u5165\uff0c\u4f60\u5f88\u6709\u53ef\u80fd\u64c1\u6709\u8c50\u539a\u7684\u85aa\u6c34\u3002\u7136\u800c\uff0c\u5373\u4fbf\u9019\u6a23\uff0c\u9000\u4f11\u5f8c\u4f60\u4e5f\u53ef\u80fd\u6c92\u6709\u9322\u3002 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\u63d0\u4f9b\u6536\u5165\u652f\u4ed8\uff0c\u901a\u5e38\u5728\u5f88\u591a\u5e74\u4e4b\u5f8c\u958b\u59cb\u3002\u5ef6\u671f\u5e74\u91d1\u662f\u70ba\u9577\u671f\u5132\u84c4\u76ee\u7684\u800c\u8a2d\u8a08\u7684\u3002\u53ef\u7528\u4e00\u6b21\u6027\u8cfc\u8cb7\uff0c\u6216\u96a8\u6642\u9593\u652f\u4ed8\u9748\u6d3b\u4fdd\u8cbb\u3002\u7576\u4f60\u9700\u8981\u5f9e\u5ef6\u671f\u5e74\u91d1\u4e2d\u7372\u5f97\u6536\u76ca\u6642\uff0c\u4f60\u6703\u6709\u5f88\u591a\u9078\u64c7\u4f86\u6eff\u8db3\u4f60\u7684\u9700\u6c42\u3002 \u5ef6\u671f\u5e74\u91d1 \u4e00\u3001\u5b9a\u606f\u5e74\u91d1\uff08Fixed Interest Annuities\uff09-\u56fa\u5b9a\u5229\u7387\u8207\u4e2d\u9593\u9810\u671f\u6301\u6709\u671f-\u985e\u4f3c\u65bc\u5b58\u6b3e\u8b49\uff08Certificate Of Deposit\uff09 \u4f60\u53ef\u4ee5\u5728\u5e74\u91d1\u4e2d\u901a\u904e\u4e00\u6b21\u6027\u5b58\u6b3e\u6216\u8005\u4e00\u7cfb\u5217\u5b58\u6b3e\u3002\u5b58\u6b3e\u6309\u7167\u516c\u53f8\u898f\u5b9a\u7684\u56fa\u5b9a\u5229\u7387\u7d2f\u7a4d \u6709\u6700\u4f4e\u5229\u7387\u4fdd\u8b49 \u4f60\u53ef\u4ee5\u572859 1\/2 \u6b72\u7684\u6642\u5019\u63d0\u53d6\uff0c\u4e26\u4e14\u6c92\u6709\u53e6\u5916\u7684\u7a05\u7f70 \u6536\u5165\u53ef\u4ee5\u6301\u7e8c\u4e00\u751f\u6216\u8005\u4e00\u500b\u6307\u5b9a\u7684\u671f\u9650\uff0c\u6bd4\u598210\u5e74 \u4f60\u53ef\u4ee5\u901a\u904e\u591a\u7a2e\u65b9\u5f0f\u4f86\u63d0\u53d6\u6536\u5165 \uff08\u6bcf\u500b\u6708\uff0c\u6bcf\u500b\u5b63\u5ea6\uff0c\u6bcf\u534a\u5e74\u6216\u8005\u6bcf\u5e74\uff09 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 - \u6309\u56fa\u5b9a\u671f\u9650\u63d0\u53d6\uff0c\u6bd4\u598210\u5e74 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 - \u6301\u7e8c\u4f60\u7684\u4e00\u751f\u63d0\u53d6 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 - \u6309\u7167\u5176\u4ed6\u4eba\u7684\u751f\u547d\u671f\u9650\u4f86\u63d0\u53d6 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2021","format":false,"excerpt":"\u80a1\u7968\u5e02\u5834\u7d93\u6b77\u4e86\u81ea\u5927\u856d\u689d\u4ee5\u4f86\u6700\u56b4\u91cd\u7684\u52d5\u76ea\uff0c\u4e0d\u78ba\u5b9a\u7684\u5f62\u52e2\u90a3\u4e9b\u63a5\u8fd1\u9000\u4f11\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u58eb\u5c24\u70ba\u64d4\u6182\u3002\u5c0d\u65bc\u8655\u65bc\u5e02\u5834\u52d5\u8569\u4e4b\u4e2d\uff0c \u9700\u8981\u5275\u9020\u7a69\u5b9a\u548c\u5b89\u5168\u6027\u4f46\u53c8\u4e0d\u60f3\u932f\u904e\u5e02\u5834\u53cd\u5f48\u6642\u6f5b\u5728\u7684\u672a\u4f86\u6536\u76ca\u7684\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u8003\u616e\u8cfc\u8cb7\u56fa\u5b9a\u6307\u6578\u5e74\u91d1(Fixed Indexed Annuity) \u662f\u7d55\u4f73\u7684\u9078\u64c7\u3002 \u76ee\u524d\u5927\u591a\u7f8e\u570b\u4eba\u53ea\u80fd\u9760\u516c\u53f8\u63d0\u4f9b\u7684401K \/ \u50b3\u7d71 IRA\u8a08\u5283\u4e2d\u7684\u6295\u8cc7\u5132\u84c4\u6216\u662f\u81ea\u5df1\u5728\u9000\u4f11\u8cec\u6236\u4e0a\u7684\u6295\u8cc7\u4f86\u990a\u8001\u3002\u7531\u65bc401K \/ 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\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f5c\u70ba\u4e00\u7a2e\u5b89\u5168\u4fdd\u5b88\u6295\u8cc7\uff0c\u6709\u4fdd\u96aa\u516c\u53f8\u627f\u8afe\u6295\u4fdd\u4eba\u53ef\u4ee5\u6d3b\u5230\u8001\u53d6\u5230\u8001\uff0c\u662f\u53ea\u8981\u751f\u547d\u4e0d\u606f\u5c31\u6c38\u4e0d\u505c\u6b62\u7684\u6c38\u7e8c\u990a\u8001\u8a08\u5283\uff0c\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u5df2\u7d93\u6210\u70ba\u8a31\u591a\u63a5\u8fd1\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u7684\u4e00\u7a2e\u53d7\u6b61\u8fce\u7684\u91d1\u878d\u5de5\u5177\u3002 \u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u6700\u4e3b\u8981\u7684\u529f\u7528\u662f\u4fdd\u969c\u4e0d\u6703\u5728\u80a1\u5e02\u4e0a\u7e2e\u6c34\u7684\u5371\u6a5f\u6216\u5e6b\u52a9\u5728\u9000\u4f11\u9700\u7528\u9322\u6642\u4e0d\u6703\u6e1b\u5c11\u9000\u4f11\u91d1\uff0c \u7d50\u5408\u5404\u7a2e\u80a1\u5e02\u6307\u6578\uff0c \u8b8a\u5316\u9078\u64c7\uff0c \u8cfa\u53d6\u5229\u606f\u7684\u6a5f\u6703\uff0c \u5305\u62ec\u6a19\u6e96\u666e\u723e500\u6307\u6578(S&P 500 Index) \uff0cBarclays Index\uff0cBalanced Asset 10 Index\u7b49\u7b49\uff0c\u8a08\u5165\u5229\u606f\u5f8c\uff0c\u5229\u606f\u6536\u5165\u5c07\u9396\u5b9a\u5728\u73fe\u91d1\u8cec\u6236(account value)\u4e2d\uff0c\u8a72\u5e33\u6236\u5c07\u4e0d\u6703\u53c3\u8207\u4efb\u4f55\u672a\u4f86\u7684\u5e02\u5834\u4f4e\u8ff7\uff0c\u73fe\u91d1\u8cec\u6236\u6703\u96a8\u8457\u6642\u9593\u589e\u9577\uff0c\u4e00\u822c\u7d2f\u7a4d10\u5e74\u5f8c\u6703\u770b\u5230\u6bd4\u8f03\u597d\u7684\u6536\u76ca\u3002 \u6240\u4ee5\ufe50\u9019\u662f\u4e00\u7a2e\u7121\u98a8\u96aa\u4e2d\u56de\u5831\u7684\u9000\u4f11\u7522\u54c1\ufe50\u5f88\u9069\u5408\u4e0d\u60f3\u89aa\u81ea\u78b0\u80a1\u5e02\u4f46\u53c8\u53ef\u4eab\u6709\u80a1\u5e02\u6500\u5347\u7684\u56de\u5831\u4ee5\u53ca\u60f3\u5c07\u81ea\u5df1\u7684\u9000\u4f11\u8a08\u5283\u591a\u6a23\u5316\u7684\u4eba\u58eb\u3002 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IRA\u653e\u5728\u5e74\u91d1\u4e2d\uff0c\u4e5f\u53ef\u4ee5\u628anon-qualified\u8a08\u5283\uff0c\u5373\u7a05\u5f8c\u7684\u9322\u653e\u5728\u5e74\u91d1\u88e1\u9762\u3002\u4e0d\u5c11\u83ef\u4eba\u63db\u4e86\u5de5\u4f5c\u6216\u63d0\u65e9\u9000\u4f11\uff0c\u53ef\u4ee5\u628a\u524d\u516c\u53f8\u7684401K \u3001403B \u3001TSP\u88e1\u7684\u9322\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u81ea\u5df1\u8cfc\u8cb7\u7684\u50b3\u7d71IRA\/\u7f85\u65afIRA\u4e5f\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u9280\u884c\u6c92\u4ec0\u9ebc\u5229\u606f\u7684\u5b58\u6b3e\u4e5f\u8f49\u6295\u5e74\u91d1\u3002 \u9019\u7a2erollover\u6216transfer\u53ea\u662f\u63db\u500b\u5730\u65b9\uff0c\u56e0\u800c\u4e0d\u6703\u6709\u7a05\u7684\u554f\u984c\u3002\u60a8\u7684401K\u8cec\u6236\u53ef\u4ee5\u8f49\u5230\u5e74\u91d1\u55ce\uff1f\u9996\u5148\u9700\u8981\u78ba\u4fdd\u60a8\u6709\u8cc7\u683c\uff0c\u5982\u679c\u60a8\u5df2\u7d93\u9000\u4f11\u3001\u5b8c\u5168\u6c92\u6709\u7e7c\u7e8c\u7559\u5728\u516c\u53f8\u5de5\u4f5c\u6216\u8005\u4f60\u63db\u4e86\u5de5\u4f5c\uff0c\u90a3\u9ebc\u60a8\u5e7e\u4e4e\u80af\u5b9a\u53ef\u4ee5\u5c07\u820a\u516c\u53f8\u7684401K or 403B\u8f49\u5230\u5e74\u91d1\u4f86\u3002\u4f46\u662f\uff0c\u5982\u679c\u60a8\u82e5\u4ecd\u820a\u662f\u540c\u4e00\u500b\u96c7\u4e3b\uff0c\u5e74\u9f61\u5fc5\u9808\u8d85\u904e59\u6b72\u534a\uff0c\u4f60\u4fbf\u53ef\u4ee5\u63a2\u8a62\u516c\u53f8Human Resources \u90e8\u9580\u662f\u5426\u8d0a\u6210rollover\u3002 \u5982\u679c\u53ef\u4ee5\uff0c\u60a8\u4fbf\u53ef\u4ee5\u4e00\u6b21\u6027rollover \u4e00\u5927\u534a401K\u88e1\u7684\u8cc7\u91d1\u81f3\u5e74\u91d1\u4f86\uff0c\u60a8\u4e0d\u9700\u8981\u628a\u6240\u6709\u7684401K\u88e1\u7684\u8cc7\u91d1\u8f49\u5230\u5e74\u91d1\uff0c\u60a8\u4ecd\u7136\u53ef\u4ee5contribute \u9322\u81f3\u73fe\u5728\u96c7\u4e3b\u8cc7\u52a9\u7684401K\u8a08\u5283\u3002\u4f46\u662f\uff0c\u4e0d\u50c5\u662f401K\uff0c\u5f88\u591a\u4eba\u505a\u4e86SEP IRA\u6216\u662f\u50b3\u7d71\u7684IRA\uff0c\u4ecd\u53ef\u4ee5\u8f49\u5230\u5e74\u91d1\u4f86\u3002 \u4e0b\u9762\u5c31\u4ecb\u7d39\u4e00\u6b3e\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u7522\u54c1\uff0c\u4f9b\u53c3\u8003\uff1a \u7522\u54c1\uff1a\u6b64\u5e74\u91d1\u8a08\u5283\u662f\u53c3\u8003Balanced Asset 10 Index\u8868\u73fe\u4f86\u8a08\u7b97\u56de\u5831\u7387\uff0c\u5982\u679c\u6307\u6578\u4e0a\u6f32\uff0caccount 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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\/2021\/04\/investment.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":197739,"url":"https:\/\/newsforchinese.com\/v3\/2021\/03\/04\/%e9%9d%9e%e7%be%8e%e5%9c%8b%e5%85%ac%e6%b0%91%e6%98%af%e5%90%a6%e5%8f%af%e4%bb%a5%e8%b3%bc%e8%b2%b7%e7%be%8e%e5%9c%8b%e7%9a%84%e5%b9%b4%e9%87%91%e9%9a%aa%ef%bc%9f\/","url_meta":{"origin":159715,"position":4},"title":"\u975e\u7f8e\u570b\u516c\u6c11\u662f\u5426\u53ef\u4ee5\u8cfc\u8cb7\u7f8e\u570b\u7684\u5e74\u91d1\u96aa\uff1f","author":"Raymond","date":"March 4, 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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 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