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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 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2015","format":false,"excerpt":"\u300c\u8001\u6709\u6240\u990a\u300d\u662f\u6bcf\u500b\u570b\u5bb6\u90fd\u9700\u9762\u81e8\u7684\u554f\u984c\uff0c\u96a8\u8457\u751f\u6d3b\u54c1\u8cea\u7684\u6539\u5584\uff0c\u8001\u5e74\u4eba\u7684\u58fd\u547d\u4e5f\u8d8a\u4f86\u8d8a\u9577\uff0c\u56e0\u6b64\uff0c\u59a5\u5584\u89e3\u6c7a\u8001\u6709\u6240\u990a\u7684\u554f\u984c\uff0c\u5c31\u6210\u70ba\u8feb\u4e0d\u5bb9\u7de9\u7684\u793e\u6703\u554f\u984c\uff0c\u7f8e\u570b\u4e5f\u4e0d\u4f8b\u5916\u3002 \u5728\u7e3d\u4eba\u53e3\u4e2d\uff0c\u8001\u5e74\u7f8e\u570b\u4eba\u5728\u4eba\u53e3\u4e2d\u7684\u6bd4\u4f8b\u5feb\u901f\u589e\u9577\uff0c\u540c\u6642\u4e5f\u6bd4\u4ee5\u5f80\u4efb\u4f55\u6642\u5019\u90fd\u6d3b\u5f97\u66f4\u9577\u3002 \u6839\u64da15\u500b\u806f\u90a6\u653f\u5e9c\u6a5f\u69cb\u806f\u5408\u7de8\u5236\u7684\u6700\u65b0\u5831\u544a\u300a\u8001\u5e74\u7f8e\u570b\u4eba2012\u300b\uff08Older Americans 2012\uff09\u7684\u7d71\u8a08\uff0c2010\u5e74\u6642\uff0c\u5e74\u6eff65\u6b72\u7684\u7f8e\u570b\u4eba\u67094000\u842c\uff0c\u7d04\u5360\u7e3d\u4eba\u53e3\u768413\uff05\uff1b\u5230\u4e862030\u5e74\uff0c\u9019\u500b\u4eba\u53e3\u7fa4\u9ad4\u7684\u4eba\u6578\u5c07\u9054\u52307200\u842c\uff0c\u5360\u4eba\u53e3\u7e3d\u6578\u768420\uff05\u3002 \u5c0d\u65bc\u8001\u5e74\u5f8c\u7684\u990a\u8001\uff0c\u7f8e\u570b\u7684\u793e\u6703\u5b89\u5168\u4fdd\u969c\u9ad4\u7cfb\u6709\u8f03\u70ba\u5b8c\u5099\u7684\u898f\u5283\uff0c\u5373\u901a\u904e\u793e\u6703\u5b89\u5168\u9000\u4f11\u4fdd\u969c\u91d1\uff08Social Security Retirement Insurance 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\u5c4b\u4e3b\u7533\u8acb\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u4e26\u5f97\u5230\u6279\u51c6\u7684\u8a71\uff0c\u4e00\u822c\u6709\u5e7e\u500b\u65b9\u6cd5\u9818\u53d6\u73fe\u91d1\uff1a 1. \u4e00\u6b21\u6027\u63d0\u53d6\u73fe\u91d1\uff0c\u5373\u5c07\u5168\u90e8\u8cb8\u6b3e\u984d\u4e00\u6b21\u6027\u53d6\u51fa\u3002 2. \u6bcf\u500b\u6708\u63d0\u53d6\u76f8\u540c\u6578\u984d\u7684\u73fe\u91d1\uff0c\u7121\u8ad6\u6642\u9593\u591a\u9577\uff0c\u53ea\u8981\u5c4b\u4e3b\u4e00\u76f4\u4f4f\u5728\u9019\u500b\u623f\u5b50\u88e1\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u5c31\u5fc5\u9808\u6309\u6708\u652f\u4ed8\u9322\u6b3e\uff0c\u6c92\u6709\u7e3d\u6578\u4e0a\u9650\u3002 \u6bd4\u5982\uff0c\u8cb8\u6b3e\u6a5f\u69cb\u6bcf\u500b\u6708\u652f\u4ed8500\u7f8e\u91d1\u7d66\u5c4b\u4e3b\uff0c\u6c92\u6709\u6642\u9593\u9650\u5236\uff0c\u76f4\u5230\u5c4b\u4e3b\u53bb\u4e16\u6216\u642c\u5bb6\u3002 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\u6839\u64da\u5c4b\u4e3b\u7684\u9700\u8981\uff0c\u5c07\u4ee5\u4e0a\u5e7e\u500b\u63d0\u53d6\u65b9\u6cd5\u505a\u5404\u7a2e\u7d44\u5408\u3002 \u7f8e\u570b\u5c0d\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u7684\u76e3\u7ba1\u5341\u5206\u56b4\u683c\uff0c\u6cd5\u898f\u7531\u570b\u6703\u901a\u904e\uff0c\u76ee\u524d\u7684\u76e3\u7ba1\u6a5f\u69cb\u662f\u806f\u90a6\u623f\u5c4b\u7f72\uff08FHA\uff09\u3002\u5728\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u4e2d\uff0c\u6700\u6d41\u884c\u7684\u662f\u7531\u806f\u90a6\u623f\u5c4b\u7f72\u64d4\u4fdd\u7684\u300c\u623f\u5c4b\u7522\u6b0a\u8f49\u63db\u6309\u63ed\u300d\uff08Home Equity Conversion Mortgage\uff0c\u7c21\u7a31HECM\uff09\uff0c\u5360\u6574\u500b\u53cd\u5411\u62b5\u62bc\u8cb8\u6b3e\u768490%\u3002 \u64da\u4f4f\u623f\u548c\u57ce\u5e02\u767c\u5c55\u90e8\uff08HUD\uff09\u7684\u7d71\u8a08\uff0c\u622a\u81f32010\u5e745\u6708\uff0c\u5168\u7f8e\u73fe\u6709\u8fd150\u842c\u5c4b\u4e3b\u6301\u6709\u300c\u623f\u5c4b\u7522\u6b0a\u8f49\u63db\u6309\u63ed\u300d\uff0c2009\u5e74\u4e00\u5e74\u4e2d\uff0c\u5c31\u670913\u842c\u5c4b\u4e3b\u7533\u8acb\u4e86\u300c\u623f\u5c4b\u7522\u6b0a\u8f49\u63db\u6309\u63ed\u300d\u3002 \u5f9e\u7e3d\u9ad4\u4e0a\u770b\uff0c\u7f8e\u570b\u8001\u4eba\u5229\u7528\u623f\u5c4b\u53cd\u5411\u8cb8\u6b3e\u7684\u9084\u6bd4\u8f03\u5c11\uff0c\u4f46\u537b\u6709\u9010\u6f38\u589e\u591a\u7684\u8da8\u52e2\u3002 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\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 \/ \u50b3\u7d71IRA\u9000\u4f11\u8a08\u5283\u662f\u5728\u80a1\u7968\u3001\u8b49\u5238\u5e02\u5834\u4e0a\u81ea\u884c\u7ba1\u7406\u7684\u6295\u8cc7\uff0c\u5e74\u666f\u597d\u7684\u6642\u5019\u9000\u4f11\u91d1\u6536\u76ca\u5f88\u5927\uff0c\u4f46\u906d\u9047\u80a1\u5e02\u4e0b\u632b\u5c24\u5176\u662f\u63a5\u8fd1\u9000\u4f11\u5e74\u9f61\u6c92\u6709\u8db3\u5920\u6642\u9593\u7b49\u5f85\u56de\u672c\uff0c\u9019\u6642\u5019\u4e00\u8f29\u5b50\u7684\u7a4d\u7d2f\u6253\u6c34\u6f02\u9023\u672c\u5e36\u5229\u640d\u5931\u6158\u91cd\u3002 \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 \u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u73fe\u5728\u65e5\u76ca\u6d41\u884c\uff0c\u73fe\u5728\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u5df2\u5360\u5230\u6574\u500b\u5e74\u91d1\u5e02\u5834\u7684\u4e09\u5206\u4e4b\u4e00\uff0c\u95dc\u9375\u4e4b\u9ede\u662f\u9019\u7a2e\u5e74\u91d1\u6709\u8457\u5438\u5f15\u4eba\u7684\u524d\u666f\u3002\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u80fd\u5920\u7372\u5f97\u8f03\u9ad8\u7684\u56de\u5831\uff0c\u4f46\u537b\u4e0d\u6703\u53d7\u5230\u80a1\u7968\u5e02\u5834\u4e0d\u666f\u6c23\u7684\u62d6\u7d2f\u3002 \u5728\u6536\u5165\u8f03\u4f4e\u7684\u5b9a\u671f\u5b58\u6b3e\u548c\u6536\u5165\u8f03\u9ad8\u4f46\u98a8\u96aa\u5f88\u5927\u7684\u80a1\u7968\u5e02\u5834\u4e4b\u9593\uff0c\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f4d\u65bc\u4e2d\u9593\uff0c\u65e2\u80fd\u8cfa\u9322\u53c8\u4e0d\u6703\u8667\u672c\uff0c\u5c6c\u65bc\u4fdd\u5b88\u578b\u6295\u8cc7\uff0c\u800c\u9019\u7a2e\u6295\u8cc7\u5c0d\u8a31\u591a\u63a5\u8fd1\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u7279\u5225\u9069\u5408\u3002\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u662f\u56fa\u5b9a\u5e74\u91d1\u548c\u6d6e\u52d5\u5e74\u91d1\u7684\u6df7\u5408\u9ad4\uff0c\u517c\u5177\u4e86\u4e0a\u8ff0\u5169\u7a2e\u5e74\u91d1\u7684\u512a\u9ede\uff0c\u4e5f\u907f\u514d\u4e86\u4e0a\u8ff0\u5169\u7a2e\u5e74\u91d1\u7684\u4e0d\u8db3\u3002 \u6b64\u5916\uff0c\u67d0\u5e7e\u5bb6\u4fdd\u96aa\u516c\u53f8\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u901a\u5e38\u4e0d\u6536\u53d6\u7ba1\u7406\u8cbb\u3002\u767c\u884c\u4fdd\u96aa\u516c\u53f8\u63a1\u7528\u56de\u5831\u7387\u5c01\u9802\uff0c\u53c3\u8207\u7387\u6216\u5229\u5dee\u4f86\u63a7\u5236\u8a18\u5165\u60a8\u5e33\u6236\u7684\u56de\u5831\uff0c\u4ee5\u63db\u53d6\u514d\u53d7\u80a1\u5e02\u640d\u5931\u7684\u5f71\u97ff\u3002\u5f88\u591a\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u63d0\u4f9b\u4e86\u984d\u5916\u798f\u5229\uff0c\u4f8b\u5982\u9644\u52a0\u8eab\u6545\u8ce0\u511f\u529f\u80fd\u3002 \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\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":201044,"url":"https:\/\/newsforchinese.com\/v3\/2021\/05\/10\/%e7%82%ba%e9%80%80%e4%bc%91%e6%97%a9%e6%ba%96%e5%82%99%ef%bc%8c%e8%ae%93%e4%bd%a0%e7%9a%84%e9%80%80%e4%bc%91%e9%87%91%e9%a6%ac%e4%b8%8a%e5%a2%9e%e5%8a%a025\/","url_meta":{"origin":198405,"position":5},"title":"\u70ba\u9000\u4f11\u65e9\u6e96\u5099\uff0c\u8b93\u4f60\u7684\u9000\u4f11\u91d1\u99ac\u4e0a\u589e\u52a025%","author":"Raymond","date":"May 10, 2021","format":false,"excerpt":"\u6700\u8fd1\u5728\u83ef\u4eba\u793e\u5340\u8a0e\u8ad6\u5f88\u591a\u7684\u4e00\u500b\u984c\u76ee\u662f\uff1a\u5982\u4f55\u898f\u5283\u9000\u4f11\u3002\u64da\u5b98\u65b9\u7d71\u8a08\uff0c65\u6b72\u4ee5\u4e0a\u7684\u7f8e\u570b\u4eba\u670984%\u6c92\u6709\u5b58\u5920\u9000\u4f11\u91d1\uff01\u800c\u5f88\u591a\u4eba\u5c07\u6703\u8d8a\u6d3b\u8d8a\u4e45\u523090-100\u6b72\uff01\u4f60\u64d4\u5fc3\u4f60\u7684401K \u52a0\u4e0a\u793e\u5b89\u6536\u5165\u4e0d\u5920\u82b1\u55ce\uff1f\u4f60\u548c\u5927\u591a\u6578\u4eba\u4e00\u6a23\uff0c \u64da\u8abf\u67e574%\u7684\u7f8e\u570b\u4eba\u8a8d\u70ba\u4ed6\u5011\u7684401K 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