{"id":175439,"date":"2019-09-15T06:09:14","date_gmt":"2019-09-15T13:09:14","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=175439"},"modified":"2019-09-14T21:02:02","modified_gmt":"2019-09-15T04:02:02","slug":"%e7%be%8e%e5%9c%8b%e4%ba%ba%e9%80%80%e4%bc%91%e7%b8%bd%e8%b3%87%e7%94%a229-1%e8%90%ac%e5%84%84%e7%be%8e%e5%85%83","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2019\/09\/15\/%e7%be%8e%e5%9c%8b%e4%ba%ba%e9%80%80%e4%bc%91%e7%b8%bd%e8%b3%87%e7%94%a229-1%e8%90%ac%e5%84%84%e7%be%8e%e5%85%83\/","title":{"rendered":"\u7f8e\u570b\u4eba\u9000\u4f11\u7e3d\u8cc7\u752229.1\u842c\u5104\u7f8e\u5143"},"content":{"rendered":"<p>\u9000\u4f11\u5f8c\u5982\u4f55\u4fdd\u6301\u7a69\u5b9a\u7684\u751f\u6d3b\u8cea\u91cf\u662f\u8a31\u591a\u9032\u5165\u8001\u9f61\u793e\u6703\u7684\u570b\u5bb6\u5171\u540c\u9762\u5c0d\u7684\u554f\u984c<!--more-->\uff0c\u7f8e\u570b\u4e5f\u4e0d\u4f8b\u5916\u3002\u64da\u6295\u8cc7\u516c\u53f8\u5354\u6703\u7d71\u8a08\uff0c\u622a\u81f32019\u5e743\u6708\uff0c\u7f8e\u570b\u4eba\u7684\u9000\u4f11\u8cc7\u7522\u7e3d\u984d\u70ba29.1\u842c\u5104\u7f8e\u5143\uff0c\u4f54\u5bb6\u5ead\u7e3d\u8ca1\u7522\u7684\u4e09\u5206\u4e4b\u4e00\uff1b\u4ee5\u73fe\u6709\u4eba\u53e33.29\u5104\u8a08\u7b97\uff0c\u5e73\u5747\u6bcf\u4eba\u64c1\u6709\u9000\u4f11\u8cc7\u75228.8\u842c\u7f8e\u5143\u3002<\/p>\n<div 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srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/09\/\u7f8e\u570b\u4eba\u9000\u4f11\u7e3d\u8cc7\u752229.1\u842c\u5104\u7f8e\u5143.jpg 600w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/09\/\u7f8e\u570b\u4eba\u9000\u4f11\u7e3d\u8cc7\u752229.1\u842c\u5104\u7f8e\u5143-300x200.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/p>\n<p>\u7f8e\u570b\u76ee\u524d\u5be6\u884c\u7684\u662f\u4e09\u7ba1\u9f4a\u4e0b\u7684\u9000\u4f11\u91d1\u4fdd\u969c\u9ad4\u7cfb\uff1a\u4e00\u662f\u806f\u90a6\u653f\u5e9c\u63d0\u4f9b\u7684\u793e\u5b89\u4fdd\u969c\u91d1\uff08Social Security Benefit\uff09\u3001\u4e8c\u662f\u653f\u5e9c\u3001\u516c\u53f8\u5411\u5176\u50f1\u54e1\u63d0\u4f9b\u7684\u990a\u8001\u91d1\uff08Pension\uff09\u3001\u4e09\u662f\u50f1\u54e1\u500b\u4eba\u81ea\u5df1\u5b58\u4e0b\u7684\u9000\u4f11\u91d1\uff0c\u5305\u62ec\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\uff08Defined contribution plan\uff0c\u5373401K\u3001403K\u7b49\uff09\u3001\u500b\u4eba\u9000\u4f11\u8cec\u6236\uff08IRA\uff09\u7b49\u3002\u6240\u4ee5\uff0c\u5728\u9000\u4f11\u8ca1\u52d9\u7684\u5b89\u6392\u4e0a\uff0c\u53ef\u4ee5\u8aaa\u662f\u653f\u5e9c\u3001\u96c7\u4e3b\u3001\u50f1\u54e1\u4e09\u8005\u5404\u51fa\u5176\u529b\u3002<\/p>\n<p>\u6295\u8cc7\u516c\u53f8\u5354\u6703\uff08Investment Company Institute\uff09\u662f\u6295\u8cc7\u516c\u53f8\u3001\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u4ee5\u53ca\u6295\u8cc7\u9867\u554f\u7b49\u7684\u884c\u696d\u7d44\u7e54\uff0c\u5438\u5f15\u5927\u91cf\u990a\u8001\u91d1\u7ba1\u7406\u516c\u53f8\u53c3\u52a0\uff0c\u8a72\u5354\u6703\u767c\u5e03\u7684\u5404\u9805\u6295\u8cc7\u7ba1\u7406\u65b9\u9762\u7684\u7d71\u8a08\u6578\u64da\u5ee3\u53d7\u95dc\u6ce8\u3002\u5f9e\u6295\u8cc7\u516c\u53f8\u5354\u67032019\u5e746\u670819\u65e5\u516c\u4f48\u7684\u6709\u95dc\u7f8e\u570b\u4eba\u9000\u4f11\u91d1\u7e3d\u8cc7\u7522\u5831\u544a\u986f\u793a\u7684\u6578\u64da\u770b\uff0c\u572829.1\u842c\u5104\u7f8e\u5143\u7684\u9000\u4f11\u7e3d\u8cc7\u7522\u4e2d\uff0c\u500b\u4eba\u9000\u4f11\u8cec\u6236\u70ba9.4\u842c\u5104\u3001\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\u70ba8.15\u842c\u5104\u7f8e\u5143\u3001\u96c7\u4e3b\u990a\u8001\u91d1\u70ba9.4\u842c\u5104\u7f8e\u5143\uff0c\u5e74\u91d1\uff08Annuity Reserves\uff09\u70ba2.1\u842c\u5104\u7f8e\u5143\u3002<\/p>\n<p>\u500b\u4eba\u9000\u4f11\u8cec\u6236\u662f\u50f1\u54e1\u81ea\u5df1\u5728\u9280\u884c\u6216\u6295\u8cc7\u516c\u53f8\u958b\u8a2d\u7684\u9000\u4f11\u8cec\u6236\uff0c\u5176\u904b\u4f5c\u5b8c\u5168\u7531\u50f1\u54e1\u500b\u4eba\u81ea\u5df1\u63a7\u5236\u3002\u6839\u64da\u898f\u5b9a\uff0c\u6bcf\u5e74\u50f1\u54e1\u53ef\u4ee5\u5728\u9000\u4f11\u8cec\u6236\u4e2d\u5b58\u5165\u4e00\u5b9a\u7684\u9322\uff0c\u9019\u4e9b\u5b58\u5165\u7684\u9322\u4e0d\u5fc5\u7e73\u7d0d\u7576\u5e74\u7684\u6240\u5f97\u7a05\uff0c\u901a\u904e\u7a05\u6cd5\u7684\u512a\u60e0\uff0c\u9f13\u52f5\u50f1\u54e1\u5c07\u9322\u5b58\u5230\u9000\u4f11\u8cec\u6236\u4e2d\u4ee5\u70ba\u5c07\u4f86\u4e4b\u9700\u3002\u6839\u64da\u898f\u5b9a\uff0c2019\u5e74\u500b\u4eba\u9000\u4f11\u8cec\u6236\u53ef\u4ee5\u5b58\u5165\u7684\u514d\u7a05\u7684\u9322\u70ba6000\u7f8e\u5143\uff0c\u8d85\u904e50\u6b72\u7684\u70ba7000\u7f8e\u5143\u3002<\/p>\n<p>\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\u662f\u96c7\u4e3b\u958b\u8a2d\u7684\u50f1\u54e1\u9000\u4f11\u8cec\u6236\uff0c\u7531\u96c7\u4e3b\u63a7\u5236\uff0c\u50f1\u54e1\u53ef\u4ee5\u5c07\u5de5\u8cc7\u7684\u4e00\u90e8\u5206\u5b58\u5165\u5176\u4e2d\uff0c\u96c7\u4e3b\u5728\u50f1\u54e1\u5b58\u6b3e\u7684\u57fa\u790e\u4e0a\uff0c\u6309\u4e00\u5b9a\u7684\u6bd4\u4f8b\u5b58\u5165\u4e00\u90e8\u5206\u9322\uff0c\u4ee5\u6b64\u9f13\u52f5\u50f1\u54e1\u5b58\u6b3e\u3002\u6839\u64da\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\u5b58\u5165\u9000\u4f11\u8cec\u6236\u7684\u9322\u4e5f\u53ef\u4ee5\u514d\u4ea4\u7576\u5e74\u6240\u5f97\u7a05\uff0c2019\u5e74\u9650\u984d\u662f1.9\u842c\u7f8e\u5143\uff0c\u8d85\u904e50\u6b72\u7684\u4eba\u53ef\u4ee5\u591a\u5b586000\u7f8e\u5143\u3002<\/p>\n<p>\u990a\u8001\u91d1\u8a08\u5283\uff08Defined benefit pension plan\uff09\u662f\u96c7\u4e3b\u5728\u50f1\u54e1\u5b58\u6b3e\u7684\u60c5\u6cc1\u4e0b\uff0c\u6309\u898f\u5b9a\u5728\u50f1\u54e1\u9000\u4f11\u5f8c\u7d66\u8207\u4e00\u6b21\u6027\u990a\u8001\u91d1\u6216\u6309\u6708\u767c\u653e\u990a\u8001\u91d1\u3002\u76ee\u524d\u806f\u90a6\u3001\u5dde\u53ca\u5730\u65b9\u653f\u5e9c\u6a5f\u69cb\u516c\u52d9\u54e1\u591a\u5be6\u65bd\u990a\u8001\u91d1\u8a08\u5283\uff0c\u4e00\u4e9b\u5927\u578b\u79c1\u4eba\u516c\u53f8\u4e5f\u6709\u985e\u4f3c\u8a08\u5283\uff0c\u4f46\u8da8\u52e2\u662f\u8d8a\u4f86\u8d8a\u5c11\uff0c\u4e26\u9010\u6b65\u5411\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\u8f49\u8b8a\u3002<\/p>\n<p>\u6295\u8cc7\u516c\u53f8\u5354\u6703\u767c\u5e03\u7684\u7d71\u8a08\u6578\u64da\u986f\u793a\uff0c\u82072018\u5e74\u7b2c\u56db\u5b63\u5ea6\u76f8\u6bd4\uff0c\u5404\u985e\u9000\u4f11\u8cc7\u7522\u984d\u5747\u5728\u589e\u52a0\uff0c\u7e3d\u984d\u589e\u52a0\u4e867.4%\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6587\/Xiao<\/p>\n<div class=\"gsp_post_data\" \r\n\t            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class=\"wp-embedded-content\" data-secret=\"cWyXPusPot\"><a href=\"https:\/\/newsforchinese.com\/v3\/2019\/09\/15\/%e7%be%8e%e5%9c%8b%e4%ba%ba%e9%80%80%e4%bc%91%e7%b8%bd%e8%b3%87%e7%94%a229-1%e8%90%ac%e5%84%84%e7%be%8e%e5%85%83\/\">\u7f8e\u570b\u4eba\u9000\u4f11\u7e3d\u8cc7\u752229.1\u842c\u5104\u7f8e\u5143<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2019\/09\/15\/%e7%be%8e%e5%9c%8b%e4%ba%ba%e9%80%80%e4%bc%91%e7%b8%bd%e8%b3%87%e7%94%a229-1%e8%90%ac%e5%84%84%e7%be%8e%e5%85%83\/embed\/#?secret=cWyXPusPot\" width=\"500\" height=\"350\" title=\"&#8220;\u7f8e\u570b\u4eba\u9000\u4f11\u7e3d\u8cc7\u752229.1\u842c\u5104\u7f8e\u5143&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"cWyXPusPot\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script 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This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/newsforchinese.com\/v3\/wp-includes\/js\/wp-embed.min.js\n\/* ]]> *\/\n<\/script>\n"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/09\/\u7f8e\u570b\u4eba\u9000\u4f11\u7e3d\u8cc7\u752229.1\u842c\u5104\u7f8e\u5143.jpg","jetpack-related-posts":[{"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":175439,"position":0},"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 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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\/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 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\u5728\u201c\u6b63\u5e38\u201d\u9000\u4f11\u5e74\u9f61\u5167\u9000\u4f11\u7684\u4eba\uff0c\u53ef\u4ee5\u9818\u53d6\u5168\u984d\u9000\u4f11\u91d1\u3002 3\u3001\u5ef6\u9072\u9000\u4f11 \u5728\u7f8e\u570b\uff0c\u4eba\u5011\u9078\u64c7\u5ef6\u9072\u9000\u4f11\u7684\u7406\u7531\u5f88\u591a\uff0c\u6709\u7684\u4eba\u662f\u559c\u6b61\u5de5\u4f5c\u3001\u9858\u610f\u767c\u63ee\u9918\u71b1\uff0c\u66f4\u591a\u7684\u4eba\u662f\u70ba\u4e86\u591a\u8cfa\u9ede\u9322\uff0c\u597d\u8b93\u81ea\u5df1\u80fd\u904e\u4e00\u500b\u66f4\u5b89\u5b9a\u3001\u5bcc\u8db3\u7684\u665a\u5e74\u3002 \u9078\u64c7\u5ef6\u9072\u9000\u4f11\u7684\u4eba\u5728\u539f\u6709\u7684\u9000\u4f11\u91d1\u57fa\u790e\u4e0a\u9084\u80fd\u7372\u5f97\u734e\u52f5\u6027\u7684\u6536\u76ca(Delayed Retirement Credits) \u3002\u5982\u679c\u4e00\u500b\u4eba\u7684\u6b63\u5e38\u9000\u4f11\u5e74\u9f61\u662f66\u6b72\uff0c\u5176\u9078\u64c7\u572867\u6b72\u9000\u4f11\uff0c\u90a3\u9ebc\u4ed6\u6bcf\u500b\u6708\u80fd\u62ff\u5230108%\u7684\u9000\u4f11\u91d1\uff1b\u5982\u679c\u5176\u9078\u64c7\u572870\u6b72\u621670\u6b72\u4ee5\u5f8c\u9000\u4f11\uff0c\u90a3\u9ebc\u4ed6\u6bcf\u500b\u6708\u80fd\u62ff\u5230132%\u7684\u9000\u4f11\u91d1\u3002 \u9019\u7a2e\u4ee5\u81ea\u9858\u70ba\u539f\u5247\u3001\u6f38\u9032\u5f0f\u7684\u9000\u4f11\u5236\u5ea6\uff0c\u8b93\u4eba\u5011\u53ef\u4ee5\u6839\u64da\u81ea\u8eab\u60c5\u6cc1\u9032\u884c\u9078\u64c7\u3002\u800c\u62c9\u958b\u6a94\u6b21\u7684\u9000\u4f11\u91d1\u7372\u5f97\u6bd4\u4f8b\uff0c\u7279\u5225\u662f\u5c0d\u65bc\u5ef6\u9072\u9000\u4f11\u7684\u734e\u52f5\u6027\u6536\u76ca\uff0c\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u9f13\u52f5\u4e86\u7f8e\u570b\u4eba\u5ef6\u9072\u9000\u4f11\u3002 \u7f8e\u570b\u52de\u5de5\u5c40\uff08US Department of Labor\uff09\u7684\u6578\u64da\u986f\u793a\uff0c 2013\u5e74\uff0c65\u6b72\u4ee5\u4e0a\u7684\u7f8e\u570b\u7537\u6027\u4e4b\u4e2d\u670924%\u7684\u4eba\u4ecd\u5728\u5de5\u4f5c\uff0c65\u6b72\u4ee5\u4e0a\u7684\u5973\u6027\u4e2d\u670915%\u7684\u4eba\u4ecd\u5728\u5de5\u4f5c\u3002 \u7f8e\u570b\u793e\u6703\u4fdd\u969c\u5c40\uff08The United States Social Security Administration\uff09\u7684\u5e74\u5ea6\u7d71\u8a08\u5831\u544a\u4e5f\u986f\u793a\u4e86\u540c\u6a23\u7684\u60c5\u6cc1\u3002\u4ee5\u7537\u6027\u6578\u64da\u70ba\u4f8b\uff0c 2000\u5e74\u6642\uff0c\u670941.6%\u5e74\u6eff62\u6b72\u7684\u7f8e\u570b\u4eba\u9078\u64c7\u7533\u9818\u9000\u4f11\u91d1\uff0c\u52302012\u5e74\uff0c\u9019\u500b\u6bd4\u4f8b\u4e0b\u8dcc\u523037.2% \uff1b2000\u5e74\u6642\uff0c\u670931.7% \u9054\u5230\u6b63\u5e38\u9000\u4f11\u5e74\u9f61\u7684\u7f8e\u570b\u4eba\u958b\u59cb\u7533\u8acb\u9000\u4f11\u91d1\uff0c\u52302012\u5e74\uff0c\u9019\u500b\u6bd4\u4f8b\u70ba31.5% \u3002 \u7f8e\u570b\u9000\u4f11\u653f\u7b56\u7684\u7531\u4f86\u53ca\u5b58\u5728\u7684\u554f\u984c \u7f8e\u570b\u73fe\u884c\u7684\u6f38\u9032\u5f0f\u9000\u4f11\u5236\u5ea6\u662f1983 \u5e74\u570b\u6703\u901a\u904e\u7684\u76f8\u95dc\u6cd5\u5f8b\u898f\u5b9a\u7684\uff0c\u5728\u4e00\u6bb5\u6642\u9593\u5167\u6709\u6548\u7de9\u89e3\u4e86\u4e0a\u4e16\u7d0070 \u5e74\u4ee3\u793e\u4fdd\u8cc7\u91d1\u7f3a\u4e4f\u7684\u56f0\u5883\u3002\u7136\u800c\u52302010\u5e74\uff0c\u7f8e\u570b\u793e\u4fdd\u9805\u76ee\u51fa\u73fe1983 \u5e74\u6539\u9769\u4ee5\u4f86\u9996\u6b21\u5165\u4e0d\u6577\u51fa\u7684\u5c40\u9762\uff0c\u9810\u8a08\u52302033\u5e74\uff0c\u9084\u5c07\u9762\u81e8\u201c \u793e\u4fdd\u7834\u7522\u201d \u7684\u7a98\u5883\uff0c\u70ba\u6b64\u7f8e\u570b\u4e5f\u5b58\u5728\u8457\u662f\u5426\u8981\u201c \u63d0\u9ad8\u9000\u4f11\u5e74\u9f61\u201d \u7684\u722d\u8ad6\u3002 \u7f8e\u570b\u570b\u6703\u53c3\u8b70\u9662\uff08United States 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