{"id":16969,"date":"2011-05-25T10:27:55","date_gmt":"2011-05-25T17:27:55","guid":{"rendered":"http:\/\/newsforchinese.com\/laozhong\/?p=16969"},"modified":"2012-10-23T10:56:17","modified_gmt":"2012-10-23T17:56:17","slug":"hsa","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2011\/05\/25\/hsa\/","title":{"rendered":"\u4ec0\u9ebc\u662f\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA)?"},"content":{"rendered":"<p><img decoding=\"async\" class=\"alignleft\" src=\"http:\/\/thumbs.dreamstime.com\/thumbimg_556\/12895939637ZpYtn.jpg\" alt=\"\" \/><\/p>\n<p style=\"text-align: right;\">\u57f7\u7167\u7406\u8ca1\u5c08\u5bb6 \/ \u9673\u517c\u6176<\/p>\n<p>\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) Health Savings Account\u5e6b\u52a9\u60a8\u7bc0\u7701\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u3002\u4ed6\u5011\u4e5f\u7232\u591a\u6578\u96c7\u4e3b\u5728\u63d0\u4f9b\u54e1\u5de5\u91ab\u7642\u4fdd\u969c\u65b9\u9762\u7701\u9322\u3002\u901a\u904e\u4f7f\u60a8\u6210\u7232\u91ab\u7642\u670d\u52d9\u6c7a\u7b56\u904e\u7a0b\u4e2d\u7684\u4e00\u5206\u5b50\uff0cHSA\u65e8\u5728\u5e6b\u52a9\u60a8\u7ba1\u7406\u91ab\u7642\u8cbb\u7528\u548c\u6e1b\u5c11\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u6301\u7e8c\u4e0a\u63da\u3002\u540c\u6a23\u91cd\u8981\u7684\uff0c\u4fdd\u5b58\u7684\u9322\u4ecd\u7136\u5c6c\u65bc\u60a8\u7684\u9000\u4f11\u5e33\u6236\uff0c\u5373\u4f7f\u96e2\u958b\u73fe\u5728\u7684\u96c7\u4e3b\uff0c\u60a8\u4ecd\u4fdd\u6709\u9019\u7b46\u9322\u3002\u7e3d\u4e4b\uff0c\u5982\u679cHSA\u7684\u9322\u6c92\u6709\u5168\u90e8\u7528\u4f86\u652f\u4ed8\u91ab\u7642\u8cbb\u7528\uff0c\u90a3\u9918\u4e0b\u7684\u9322\u53ef\u4ee5\u4f5c\u7232\u514d\u7a05\u5132\u84c4\u7d2f\u7a4d\u4ee5\u5099\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u3002\u6700\u5f8c\u4e00\u500b\u597d\u8655\uff0c\u8207\u4ee5\u5f80\u653f\u5e9c\u8d0a\u52a9\u8a08\u5283\u6240\u5141\u8a31\u7684\u76f8\u6bd4\uff0cHSAs\u53ef\u4ee5\u7232\u60a8\u63d0\u4f9b\u66f4\u591a\u7684\u76ca\u8655\u3002\u5065\u5eb7\u5132\u84c4\u5e33\u6236\u53ef\u4ee5\u5e6b\u52a9\u60a8\u5728\u7121\u6cd5\u907f\u514d\u7684\u8cbb\u7528\u4e0a\u7bc0\u7d04\uff0c\u7232\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u5efa\u8a2d\u6295\u8cc7\u6027\u7684\u5132\u84c4\u3002<!--more--><\/p>\n<p><strong> <\/strong><\/p>\n<p><strong>\u5b83\u7232\u60a8\u5e36\u4f86\u4ec0\u9ebd\uff1f<\/strong><\/p>\n<p>\u2022\u00a0 <strong>\u4e00\u7a2e\u7bc0\u7701\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u7684\u65b9\u5f0f<em>\u3002<\/em><\/strong>\u4e0d\u7ba1\u65e9\u665a\uff0c\u60a8\u7e3d\u6709\u4e00\u5929\u8981\u7232\u81ea\u5df1\u7684\u91ab\u7642\u4fdd\u5065\u82b1\u9322\u3002\u4f46\u662f\uff0cHSA\u53ef\u4ee5\u5e6b\u52a9\u60a8\u5c11\u82b1\u9322\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u2022 <strong>\u5c11\u7e73\u7a05<\/strong>\u3002HSA\u4e0d\u50c5\u8b93\u60a8\u652f\u4ed8\u7684\u91ab\u7642\u8cbb\u7528\u514d\u7a05\uff0c\u800c\u4e14\u60a8\u7684\u4f9b\u6b3e\u5e33\u6236\u6703\u8b93\u60a8\u4eab\u53d7\u4e00\u500b\u4f4e\u7a05\u7387-\u9019\u6a23\u60a8\u5c31\u53ef\u4ee5\u5728\u6574\u9ad4\u7684\u7e73\u7a05\u984d\u4e0a\u9054\u6210\u7bc0\u7701\uff0c\u800c\u4e0d\u53ea\u662f\u91ab\u7642\u8cbb\u7528\u7684\u7bc0\u7701\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u2022 <\/strong><strong>\u4e00\u7a2e\u652f\u4ed8\u50b3\u7d71\u91ab\u7642\u4fdd\u96aa\u6c92\u6709\u8986\u84cb\u7684\u8cbb\u7528\u652f\u51fa\u7684\u65b9\u5f0f\u3002<\/strong>\u60a8\u53ef\u4ee5\u4f7f\u7528HSA\u514d\u7a05\u652f\u4ed8\u91dd\u7078\uff0c\u810a\u690e\u6309\u6469\uff0c\u751f\u80b2\u6cbb\u7642\uff0c\u7406\u7642\uff0c\u53ca\u773c\u775b\u8b77\u7406-\u4e0d\u4e00\u4e00\u7d30\u8209\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u2022 <\/strong><strong>\u651c\u5e36\u4fbf\u5229\u3002<\/strong>\u7121\u8ad6\u60a8\u5982\u4f55\u8b8a\u63db\u5de5\u4f5c\uff0cHAS\u7e3d\u662f\u548c\u60a8\u4e00\u8d77\u3002\u60a8\u7e3d\u662f\u5c0d\u60a8\u5e33\u6236\u4e2d\u9322\u6709\u6b0a\u652f\u914d\u6bcf\u4e00\u5206\u6bcf\u4e00\u6beb\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u2022 <\/strong><strong>\u6295\u8cc7\u6536\u5165\u4f86\u6e90\u3002<\/strong><strong> <\/strong>HSA\u7684\u8a2d\u8a08\u4f7f\u60a8\u53ef\u4ee5\u6839\u64da\u9700\u8981\u96a8\u6642\u63d0\u6b3e\u3002\u4f46\u662f\uff0c\u60a8\u6c92\u6709\u63d0\u51fa\u7684\u9322\u6709\u589e\u9577\u548c\u7a4d\u7d2f\u5229\u606f\u7684\u6f5b\u529b\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u2022 <strong>\u6539\u9032\u7684\u9000\u4f11\u5e33\u6236\u3002<\/strong> HSAs\u529f\u80fd\u76f8\u4f3c\u65bc401\uff08k\uff09s\u6216IRAs\uff08\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff09\uff0c\u4f46\u9084\u5b58\u5728\u4e00\u500b\u91cd\u8981\u7684\u5340\u5225\u3002\u7576\u60a8\u628a\u9322\u653e\u5728\u4e00\u500b\u5178\u578b\u7684\u9000\u4f11\u5e33\u6236\uff0c\u5b83\u53ea\u662f\u5446\u8457-\u5982\u679c\u60a8\u5728\u5230\u9054\u9000\u4f11\u5e74\u9f61\u4e4b\u524d\u63d0\u53d6\uff0c\u60a8\u6240\u9762\u81e8\u7684\u7d0d\u7a05\u7f70\u6b3e\u6703\u4f7f\u60a8\u640d\u5931\u591a\u9054\u4e09\u5206\u4e4b\u4e00\u7684\u91d1\u984d\u3002\u5728HSA\u72c0\u614b\u4e0b\uff0c\u7576\u60a8\u652f\u4ed8\u91ab\u7642\u8cbb\uff0c\u60a8\u6240\u63d0\u53d6\u7684\u652f\u4ed8\u6b3e\u514d\u7a05\u3002 HSAs\u7121\u6cd5\u53d6\u4ee3\u60a8\u76ee\u524d\u7684\u9000\u4f11\u5e33\u6236\uff0c\u4f46\u537b\u662f\u9000\u4f11\u5132\u84c4\u7684\u4e00\u500b\u91cd\u8981\u88dc\u5145\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u2022 <strong>\u60a8\u53e3\u888b\u88cf\u7684\u9322<em>\u3002<\/em><\/strong>\u53c3\u52a0HSA\uff0c\u60a8\u5fc5\u9808\u52a0\u5165\u4e00\u500b\u9ad8\u81ea\u4ed8\u91ab\u7642\u4fdd\u96aa\u8a08\u5283\uff08 HDHP \uff09\u3002HDHP\u901a\u5e38\u5728\u6240\u6709\u5065\u5eb7\u8a08\u5283\u4e2d\u8cbb\u7528\u6700\u4f4e\u3002\u5982\u679c\u60a8\u76ee\u524d\u53c3\u52a0\u4e86HMO\u6216PPO\uff0c\u800c\u60a8\u8f49\u5230HDHP\u7684\u8a71\uff0c\u540c\u6a23\u7684\u8986\u84cb\u7bc4\u570d\u60a8\u53ef\u4ee5\u7bc0\u7701\u4e09\u5206\u4e4b\u4e00\u5230\u4e8c\u5206\u4e4b\u4e00\u7684\u6210\u672c\u3002\u53c3\u52a0\u5373\u514c\u73fe\u3002\uff08\u6709\u4e9bHMOs\u4e5f\u63d0\u4f9bHSA\u7684\u8a08\u5283\u3002 \uff09<\/p>\n<p>&nbsp;<\/p>\n<p>HAS\u4e2d\u7684\u9322\u6839\u64da\u9700\u8981\u53ef\u4ee5\u96a8\u6642\u63d0\u53d6\u652f\u4ed8\u7b26\u5408\u689d\u4ef6\u7684\u91ab\u7642\u8cbb\u7528\uff1b\u9918\u984d\u7e7c\u7e8c\u5b58\u5132\u4ee5\u7528\u65bc\u672a\u4f86\u652f\u4ed8\uff0c\u6216\u6295\u8cc7\u65bc\u7d2f\u7a4d\u5132\u84c4\u4ee5\u7528\u65bc\u9000\u4f11\u5f8c\u91ab\u7642\u4fdd\u5065\u9700\u6c42\uff09<\/p>\n<p><strong>HAS<\/strong><strong>\u5982\u4f55\u8207\u60a8\u7684\u91ab\u7642\u4fdd\u96aa\u5354\u8abf\uff1f<\/strong><\/p>\n<p>\u4e0d\u80fd\u53d6\u4ee3\u6b63\u5e38\u7684\u6216\u5178\u578b\u7684\u91ab\u7642\u4fdd\u96aa\u3002\u5b83\u5011\u7684\u76ee\u7684\u662f\u4f5c\u7232\u9ad8\u81ea\u4ed8\u91ab\u7642\u4fdd\u96aa\u7684\u4e00\u500b\u88dc\u5145\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u7531\u65bcHSA\u662f\u8207\u9ad8\u81ea\u4ed8\u91ab\u7642\u4fdd\u96aa\u55ae\u6346\u5728\u4e00\u8d77\u7684\uff0c\u4f60\u5c07\u7528HAS\u514d\u7a05\u5e33\u6236\u652f\u4ed8\u60a8\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u76f4\u5230\u82b1\u8cbb\u9054\u5230\u4e86\u81ea\u4ed8\u90e8\u5206\u7684\u9650\u984d\u3002\u4e00\u65e6\u81ea\u4ed8\u90e8\u5206\u9054\u5230\u9650\u984d\uff0c\u5728\u9918\u4e0b\u7684\u4e00\u5e74\u4e2d\u91ab\u7642\u4fdd\u96aa\u652f\u4ed8\u5927\u90e8\u5206\u7684\u91ab\u7642\u8cbb\u7528\u3002\u60a8\u53ef\u4ee5\u9078\u64c7\u81ea\u5df1\u7684\u91ab\u751f\u548c\u8b77\u7406\u6c34\u5e73\u3002HSA\u672c\u8eab\u662f\u5132\u84c4\u5de5\u5177-\u4e0d\u662f\u4fdd\u96aa\u55ae-\u6240\u4ee5\u5b83\u5011\u4e0d\u6703\u9650\u5b9a\u60a8\u5982\u4f55\u82b1\u8cbb\u6216\u9078\u64c7\u7531\u8ab0\u4f86\u63d0\u4f9b\u670d\u52d9\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>HSA 2008, 2007, 2006<\/strong><strong>\u898f\u5b9a\u9650\u984d<\/strong><strong> <\/strong><\/p>\n<p><strong> <\/strong><\/p>\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\" width=\"100%\">\n<tbody>\n<tr>\n<td>\n<table border=\"1\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>&nbsp;<\/td>\n<td>2004<\/td>\n<td>2005<\/td>\n<td>2006<\/td>\n<td>2007<\/td>\n<td>2008<\/td>\n<\/tr>\n<tr>\n<td width=\"240\" valign=\"bottom\">\u500b\u4eba\u6700\u4f4e\u81ea\u4ed8\u984d\u5ea6<\/td>\n<td width=\"48\" valign=\"bottom\">$1,000<\/td>\n<td width=\"48\" valign=\"bottom\">$1,000<\/td>\n<td width=\"48\" valign=\"bottom\">$1,050<\/td>\n<td width=\"48\" valign=\"bottom\">$1,100<\/td>\n<td width=\"46\" valign=\"bottom\">$1,100<\/td>\n<\/tr>\n<tr>\n<td width=\"240\" valign=\"bottom\">\u500b\u4eba\u6700\u9ad8\u5be6\u4ed8\u958b\u652f\u984d\u5ea6<\/td>\n<td width=\"48\" valign=\"bottom\">$5,000<\/td>\n<td width=\"48\" valign=\"bottom\">$5,100<\/td>\n<td width=\"48\" valign=\"bottom\">$5,250<\/td>\n<td width=\"48\" valign=\"bottom\">$5,500<\/td>\n<td width=\"46\" valign=\"bottom\">$5,600<\/td>\n<\/tr>\n<tr>\n<td width=\"240\" valign=\"bottom\">\u500b\u4eba\u6700\u9ad8\u4f9b\u6b3e\u984d\u5ea6<\/td>\n<td width=\"48\" valign=\"bottom\">$2,600<\/td>\n<td width=\"48\" valign=\"bottom\">$2,650<\/td>\n<td width=\"48\" valign=\"bottom\">$2,700<\/td>\n<td width=\"48\" valign=\"bottom\">$2,850<\/td>\n<td width=\"46\" valign=\"bottom\">$2,900<\/td>\n<\/tr>\n<tr>\n<td width=\"240\" valign=\"bottom\">&nbsp;<\/td>\n<td width=\"48\" valign=\"bottom\">&nbsp;<\/td>\n<td width=\"48\" valign=\"bottom\">&nbsp;<\/td>\n<td width=\"48\" valign=\"bottom\">&nbsp;<\/td>\n<td width=\"48\" valign=\"bottom\">&nbsp;<\/td>\n<td width=\"46\" valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td width=\"240\" valign=\"bottom\">\u5bb6\u5ead\u6700\u4f4e\u81ea\u4ed8\u984d\u5ea6<\/td>\n<td width=\"48\" valign=\"bottom\">$2,000<\/td>\n<td width=\"48\" valign=\"bottom\">$2,000<\/td>\n<td width=\"48\" valign=\"bottom\">$2,100<\/td>\n<td width=\"48\" valign=\"bottom\">$2,200<\/td>\n<td width=\"46\" valign=\"bottom\">$2,200<\/td>\n<\/tr>\n<tr>\n<td width=\"240\" valign=\"bottom\">\u5bb6\u5ead\u6700\u9ad8\u5be6\u4ed8\u958b\u652f\u984d\u5ea6<\/td>\n<td width=\"48\" valign=\"bottom\">$10,000<\/td>\n<td width=\"48\" valign=\"bottom\">$10,200<\/td>\n<td width=\"48\" valign=\"bottom\">$10,500<\/td>\n<td width=\"48\" valign=\"bottom\">$11,000<\/td>\n<td width=\"46\" valign=\"bottom\">$11,200<\/td>\n<\/tr>\n<tr>\n<td width=\"240\" valign=\"bottom\">\u5bb6\u5ead\u6700\u9ad8\u4f9b\u6b3e\u984d\u5ea6<\/td>\n<td width=\"48\" valign=\"bottom\">$5,150<\/td>\n<td width=\"48\" valign=\"bottom\">$5,250<\/td>\n<td width=\"48\" valign=\"bottom\">$5,450<\/td>\n<td width=\"48\" valign=\"bottom\">$5,650<\/td>\n<td width=\"46\" valign=\"bottom\">$5,800<\/td>\n<\/tr>\n<tr>\n<td width=\"240\" valign=\"bottom\">&nbsp;<\/td>\n<td width=\"48\" valign=\"bottom\">&nbsp;<\/td>\n<td width=\"48\" valign=\"bottom\">&nbsp;<\/td>\n<td width=\"48\" valign=\"bottom\">&nbsp;<\/td>\n<td width=\"48\" valign=\"bottom\">&nbsp;<\/td>\n<td width=\"46\" valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td width=\"240\" valign=\"bottom\">\u8ffd\u52a0\u4f9b\u6b3e\u984d\u5ea6\uff0855\u6b72+\uff09<\/td>\n<td width=\"48\" valign=\"bottom\">$500<\/td>\n<td width=\"48\" valign=\"bottom\">$600<\/td>\n<td width=\"48\" valign=\"bottom\">$700<\/td>\n<td width=\"48\" valign=\"bottom\">$800<\/td>\n<td width=\"46\" valign=\"bottom\">$900<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>www.hsafinder.com<strong> <\/strong><\/p>\n<p>&nbsp;<\/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=\"1306319275\"\r\n\t            data-title=\"\u4ec0\u9ebc\u662f\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA)?\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u57f7\u7167\u7406\u8ca1\u5c08\u5bb6 \/ \u9673\u517c\u6176 \u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) Health Savings 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\u9019\u500b\u5e33\u6236\u7684\u9322\u53ef\u7528\u4f86\u652f\u4ed8\u5b50\u5973\u5b78\u524d\u548c\u8ab2\u5f8c\u7684\u7167\u9867\u3001\u65e5\u6258\u3001\u5b78\u524d\u73ed\u548c\u65e5\u9593\u9732\u71df\u7b49\u6240\u9700\u8981\u7684\u8cbb\u7528\u3002\u6b64\u5916\uff0c\u7167\u9867\u9577\u8005\u7684\u8cbb\u7528\u4e5f\u53ef\u4ee5\u5305\u62ec\u5728\u5167\u3002 7\u3001\u5229\u7528\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) \u958b\u7acbHSA\u652f\u4ed8\u91ab\u7642\u8cbb\u7528\u8005\u53ef\u4eab\u514d\u7a05\u512a\u60e0\u3002 HSA\u662f\u9ad8\u81ea\u4ed8\u984d\u5065\u4fdd\u8a08\u5283\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u901a\u904e\u5c0dHSA\u7684\u4f9b\u6b3e\u6e1b\u7a05\u3002\u5c0dHSA\u7684\u4f9b\u6b3e\u53ca\u63d0\u6b3e\u90fd\u662f\u514d\u7a05\u7684\uff0c\u524d\u63d0\u662f\u7528\u65bc\u5408\u683c\u7684\u91ab\u7642\u8cbb\u7528\u3002 8\u3001\u67e5\u770b\u662f\u5426\u53ef\u9069\u7528\u85aa\u8cc7\u6536\u5165\u62b5\u6e1b 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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 Account\uff09\u53ef\u4ee5\u4f7f\u7528\u7e73\u7a05\u5f8c\u7684\u9918\u6b3e\u70ba\u4e0d\u6eff\u5341\u516b\u6b72\u6216\u6709\u7279\u6b8a\u9700\u8981\u7684\u53d7\u76ca\u4eba\u958b\u8a2d\u5132\u84c4\u5e33\u6236\uff0c\u4f46\u662f\u5b58\u6b3e\u91d1\u984d\u5fc5\u9808\u7b26\u5408\u67d0\u4e9b\u6536\u5165\u9650\u5236\u3002\u9019\u7a2e\u5e33\u6236\u7684\u6536\u76ca\uff08\u4f8b\u5982\u5229\u606f\u3001\u80a1\u5229\u3001\u51fa\u552e\u80a1\u7968\u6240\u5f97\u7b49\uff09\u4e0d\u9700\u7e73\u7d0d\u73fe\u884c\u806f\u90a6\u6240\u5f97\u7a05\u3002\u4e00\u822c\u800c\u8a00\uff0c\u7576\u6536\u76ca\u91d1\u984d\u672a\u8d85\u904e\u53d7\u76ca\u4eba\u7576\u5e74\u7d93\u8abf\u6574\u4e26\u5408\u4e4e\u898f\u5b9a\u7684\u6559\u80b2\u8cbb\u7528\u6642\uff08\u4f8b\u5982\u5c0f\u5b78\u3001\u4e2d\u5b78\u3001\u53ca\u5927\u5b78\u7684\u8cbb\u7528\uff0c\u5982\u5b78\u8cbb\u3001\u96dc\u8cbb\u3001\u66f8\u7c4d\u8cbb\u6216\u81b3\u5bbf\u8cbb\uff09\uff0c\u4e5f\u4e0d\u5fc5\u7e73\u7d0d\u806f\u90a6\u6240\u5f97\u7a05\u3002\u7576\u6536\u76ca\u6c92\u6709\u7528\u4f86\u652f\u4ed8\u5408\u4e4e\u898f\u5b9a\u4e4b\u6559\u80b2\u8cbb\u7528\u6642\uff0c\u7372\u5229\u90e8\u4efd\u901a\u5e38\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u540c\u6642\u7372\u5229\u90e8\u4efd\u9084\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 \u4ee5\u500b\u4eba\u9000\u4f11\u5e33\u6236\u70ba\u4f9d\u64da\u7684\u9000\u4f11\u8a08\u5283 \uff08IRA-Based Retirement Plans\uff09\u3002\u9664\u4e86\u500b\u4eba\u81ea\u884c\u8a2d\u7acb\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5916\uff0c\u67d0\u4e9b\u96c7\u4e3b\u6703\u70ba\u54e1\u5de5\u8a2d\u7acb\u4ee5\u500b\u4eba\u9000\u4f11\u5e33\u6236\u70ba\u4f9d\u64da\u7684\u9000\u4f11\u8a08\u5283\uff08\u4f8b\u5982SIMPLE\u53caSEP\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff09\u3002\u96c7\u4e3b\u5b58\u5165\u9019\u4e9b\u8a08\u5283\u7684\u6b3e\u9805\u6703\u9032\u4e00\u6b65\u5145\u5be6\u60a8\u7684\u9000\u4f11\u5132\u84c4\u3002 \u5982\u679c\u60a8\u60f3\u9032\u4e00\u6b65\u4e86\u89e3\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5982\u4f55\u5354\u52a9\u60a8\u5efa\u7acb\u5b89\u7a69\u7684\u8ca1\u52d9\u672a\u4f86\uff0c\u6216\u662f\u8981\u5c0b\u627e\u60a8\u7576\u5730\u7684\u5927\u90fd\u6703\u4ee3\u8868\uff0c\u8acb\u4f86\u96fb1-888-233-3138\u6216\u767b\u5165www.metlife.com\u3002 ## MetLife\u7c21\u4ecb MetLife, 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 230\u63d0\u4f9b\u60a8\u4ee5\u4e0b\u6ce8\u610f\u4e8b\u9805\uff1a\u672c\u6587\u6240\u542b\u4e4b\u4efb\u4f55\u5167\u5bb9\u90fd\u4e0d\u61c9\uff08\u4e5f\u4e0d\u53ef\uff09\u88ab\u4efb\u4f55\u4eba\u4f5c\u70ba\u9003\u907f\u570b\u7a05\u5c40\u8655\u7f70\u4e4b\u7528\u3002\u672c\u6587\u4e4b\u76ee\u7684\u5728\u63a8\u5ee3\u53ca\u884c\u92b7\u4fdd\u96aa\u7522\u54c1\u3002\u60a8\u61c9\u8a72\u6839\u64da\u672c\u8eab\u4e4b\u7279\u6b8a\u72c0\u6cc1\u5fb5\u8a62\u7368\u7acb\u7a05\u52d9\u9867\u554f\u7684\u5efa\u8b70\u3002 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