{"id":199382,"date":"2021-04-07T11:21:44","date_gmt":"2021-04-07T18:21:44","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=199382"},"modified":"2021-04-07T11:24:01","modified_gmt":"2021-04-07T18:24:01","slug":"%e9%80%80%e4%bc%91%e5%85%a9%e5%a4%a7%e6%b3%95%e5%af%b6-%e7%94%9f%e5%89%8d%e7%a6%8f%e5%88%a9%e8%90%ac%e5%85%a8%e4%bf%9d%e5%8f%8a%e5%9b%ba%e5%ae%9a%e6%8c%87%e6%95%b8%e5%b9%b4%e9%87%91","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2021\/04\/07\/%e9%80%80%e4%bc%91%e5%85%a9%e5%a4%a7%e6%b3%95%e5%af%b6-%e7%94%9f%e5%89%8d%e7%a6%8f%e5%88%a9%e8%90%ac%e5%85%a8%e4%bf%9d%e5%8f%8a%e5%9b%ba%e5%ae%9a%e6%8c%87%e6%95%b8%e5%b9%b4%e9%87%91\/","title":{"rendered":"\u9000\u4f11\u5169\u6cd5\u5bf6 \u751f\u524d\u798f\u5229\u842c\u5168\u4fdd\u53ca\u56fa\u5b9a\u6307\u6578\u5e74\u91d1"},"content":{"rendered":"\n<p>\u6e96\u5099\u597d\u9000\u4f11\u7684\u5169\u5927\u6cd5\u5bf6\uff1a\u751f\u524d\u798f\u5229\u842c\u5168\u4fdd\u53ca\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u64da\u7f8e\u570b\u4eba\u53e3\u7d71\u8a08\u5c40\u8cc7\u6599\uff0c\u7f8e\u570b\u73fe\u5728\u6bcf\u5929\u6bcf\u5929\u90fd\u6709\u842c\u540d\u5b30\u5152\u6f6e\u6642\u4ee3\u51fa\u751f\u7684\u4eba\u958b\u59cb\u9000\u4f11\u751f\u6d3b\uff0c\u52302025\u5e7465\u6b72\u4ee5\u4e0a\u7684\u8001\u5e74\u4eba\u6578\u5c07\u7a81\u78346600\u842c\uff0c\u52302030\u5e7465\u6b72\u4ee5\u4e0a\u7684\u8001\u5e74\u4eba\u5c07\u9054\u52307100\u842c\u3002\u6839\u64da\u7d71\u8a08\uff0c\u9ad8\u905475\uff05\u516d\u5341\u4e94\u6b72\u4ee5\u4e0a\u7684\u4eba\u58eb\u5728\u672a\u4f86\u7684\u6b72\u6708\u88e1\u9700\u8981\u9577\u671f\u8b77\u7406\u7684\u670d\u52d9\uff0c\u800c\u5e73\u5747\u7684\u9700\u6c42\u9577\u9054\u7d044\u5e74\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/\u751f\u524d\u798f\u5229\u842c\u5168\u4fdd.jpg\" alt=\"\" class=\"wp-image-199383\"\/><\/figure>\n\n\n\n<p>\u800c\u8eab\u908a\u6709\u4eba\u6709\u4eba\u9700\u8981\u9577\u671f\u8b77\u7406\u7684\u4eba\u90fd\u77e5\u9053\uff0c\u9577\u671f\u8b77\u7406\u7d71\u5e38\u89815 \u2013 8\u5e74\u7684\u6642\u9593\uff0c\u5305\u62ec\u4e2d\u98a8\uff0c\u764c\u75c7\u53ca\u8001\u4eba\u7661\u5446\u75c7\u7b49\u90fd\u6703\u9700\u8981\u9577\u671f\u8b77\u7406\uff0c\u800c\u5e73\u5747\u6bcf\u6708\u7684\u9577\u671f\u8b77\u7406\u8cbb\u7528\u5728$ 7,000- $ 10,000\u7f8e\u5143\uff0c\u5982\u679c\u9700\u89815 \u2013 8\u5e74\u5c07\u82b1\u8cbb50\u842c\u7f8e\u5143\u5230100\u842c\u7f8e\u5143\u3002\u9019\u53ea\u662f\u4e00\u500b\u4eba\u7684\u82b1\u8cbb\uff0c\u5982\u679c\u592b\u59bb\u5006\u90fd\u9700\u8981\u9577\u671f\u8b77\u7406\uff0c\u5247\u82b1\u8cbb\u4e5f\u8981\u7ffb\u500d\u3002\u7684\u5132\u84c4\uff0c\u62d6\u7d2f\u5230\u914d\u5076\uff0c\u5b69\u5b50\u548c\u5176\u4ed6\u5bb6\u4eba\u3002<\/p>\n\n\n\n<p>\u5047\u8a2d\u60a8\u53ea\u5b58\u4e86\u4e86\u5e7e\u5341\u842c\u7f8e\u91d1\u7684\u9000\u4f11\u91d1\uff0c\u6e96\u5099\u9000\u4f11\u7528\uff0c\u4f46\u56e0\u70ba\u9577\u671f\u8b77\u7406\u7684\u8cbb\u7528\uff0c\u5f88\u53ef\u80fd\u4e0d\u5230\u5341\u5e74\u5c31\u628a\u60a8\u7684\u9000\u4f11\u91d1\u5168\u90e8\u82b1\u5149\uff0c\u53ef\u80fd\u9084\u4e0d\u5920\u7528\u3002\u6709\u4e9b\u4eba\u8aaa\uff0c\u4e0d\u662f\u53ef\u4ee5\u6709\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\uff08Medicare\uff09\u4f86\u652f\u4ed8\u9577\u671f\u8b77\u7406\u8cbb\u7528\u55ce\uff1f\u7b54\u6848\u662f\u5426\u5b9a\u7684\u3002\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\uff08Medicare\uff09\u53ea\u7ba1100\u53e3\uff0c\u5982\u679c100\u5929\u540e\u75c5\u4eba\u9084\u9700\u8981\u8b77\u7406\uff0c\u5247\u9700\u8981\u5168\u984d\u81ea\u8cbb\u3002<\/p>\n\n\n\n<p>\u9664\u975e\u60a8\u6c92\u6709\u4efb\u4f55\u8cc7\u7522\uff0c\u53ef\u4ee5\u4eab\u53d7\u653f\u5e9c\u7279\u6b8a\u4f4e\u6536\u5165\u798f\u5229\uff08Medicaid\uff09\uff0c\u53ef\u70ba\u67d0\u4e9b\u8001\u4eba\u63d0\u4f9b\u9577\u671f\u8b77\u7406\u798f\u5229\uff0c\u4f46\u689d\u4ef6\u975e\u5e38\u82db\u523b\uff0c\u4e00\u822c\u4e2d\u7522\u968e\u7d1a\u5bb6\u5ead\u90fd\u88ab\u6392\u9664\u5728\u5916\uff0c\u6240\u4ee5\u60a8\u9084\u9700\u8981\u300a\u751f\u524d\u798f\u5229\u842c\u5168\u4fdd\u300b \u300b\u4f86\u9810\u9632\u56e0\u9577\u671f\u8b77\u7406\u800c\u9020\u6210\u7684\u8ca1\u52d9\u640d\u5931\u3002<\/p>\n\n\n\n<p>\u8ddf\u5927\u5bb6\u5206\u4eab\u6211\u8fd1\u671f\u70ba\u4e00\u4f4d\u5ba2\u6236\u505a\u9000\u4f11\u7406\u8ca1\u8a08\u5283\u7684\u4f8b\u5b50\uff1a<\/p>\n\n\n\n<p>\u8209\u4f8b\u8aaa\u660e\uff1a\u4e00\u500b60\u6b72\u5973\u58eb\uff0c\u4e0d\u5438\u7159\uff0c\u8eab\u9ad4\u5065\u5eb7\uff0c\u5979\u7684401K\u5167\u7684\u8cc7\u91d1\u7d04\u670965\u842c\u7f8e\u5143\uff0c\u5979\u5e0c\u671b\u6211\u80fd\u5e6b\u52a9\u5979\u5be6\u73fe\u8ca1\u5bcc\u589e\u503c\u6700\u5927\u5316\uff0c\u4e26\u4e14\u4fdd\u672c\u5b89\u5fc3\uff0c\u8981\u7a69\u5b9a\u589e\u503c\uff0c\u4e0d\u627f\u64d4\u5e02\u5834\u98a8\u96aa\uff0c\u8981\u7d42\u751f\u6536\u5165\uff0c\u6d3b\u5230\u8001\u7528\u5230\u8001\uff0c\u6211\u4fbf\u5411\u5979\u63a8\u85a6\u201c\u9000\u4f11\u5e74\u91d1\u8a08\u5283\u201d\u548c\u201c\u751f\u524d\u798f\u5229\u58fd\u96aa\u8a08\u5283\u201d\u3002<\/p>\n\n\n\n<p>\u60a8\u7684401k\u5e33\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\uff0c\u5b8c\u5168\u6c92\u6709\u7e7c\u7e8c\u7559\u5728\u516c\u53f8\u5de5\u4f5c\u6216\u8005\u60a8\u63db\u4e86\u5de5\u4f5c\uff0c\u90a3\u9ebc\u60a8\u5e7e\u4e4e\u80af\u5b9a\u53ef\u4ee5\u5c07\u820a\u516c\u53f8\u7684401k\u6216403b\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\u53f8\u4eba\u529b\u8cc7\u6e90\u90e8\u9580\u662f\u5426\u6279\u51c6\u5c55\u671f\u3002\u5982\u679c\u53ef\u4ee5\uff0c\u60a8\u4fbf\u53ef\u4ee5\u4e00\u6b21\u6027\u5c55\u671f\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\u4ee5\u8ca2\u737b\u9322\u81f3\u73fe\u5728\u96c7\u4e3b\u8cc7\u52a9\u7684401\uff08k\uff09\u8a08\u5283\u3002<\/p>\n\n\n\n<p>\u6211\u70ba\u5979\u505a\u5982\u4e0b\u898f\u5283\uff1a\u5979\u628a\u524d\u516c\u53f8401K\u5167\u768465\u842c\u7f8e\u5143\u4e2d\u768430\u842c\u7f8e\u5143\u8f49\u5230\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f86\uff0c\u6536\u5165\u8cec\u6236\u7acb\u99ac\u7372\u5f97\u958b\u6236\u7d05\u522920\uff05\uff0c\u7b2c\u4e00\u5e74\u6536\u5165\u8cec\u6236\u70ba$ 360,000\uff08$ 300,000 x 1.2\uff09 \uff0c\u4fdd\u672c\uff0c\u6307\u6578\u6f32\u8ddf\u8457\u6f32\uff0c\u6307\u6578\u8dcc\u5b83\u4e0d\u8dcc\uff0c\u6c92\u6709\u7ba1\u7406\u8cbb\uff0c\u6c92\u6709\u670d\u52d9\u8cbb\uff0c\u6536\u5165\u589e\u91cf\uff0c\u6d3b\u5f97\u8d8a\u4e45\u9818\u5f97\u8d8a\u591a\u300271\u6b72\u958b\u59cb\u62ff\u9322\uff0c80\u6b72\u6642\u5171\u9818\u53d6\u7684\u5e74\u91d1\u7d04\u6709$ 492,317\u7f8e\u5143\uff0c90\u6b72\u6642\u5171\u9818\u53d6\u7684\u5e74\u91d1\u7d04\u6709$ 1,321,206\u7f8e\u5143\uff08\u4ee5\u4e0a\u5404\u7a2e\u6578\u64da\u53ef\u4ee5\u53c3\u8003\uff0c\u5be6\u969b\u6578\u64da\u6703\u56e0\u5e02\u5834\u548c\u500b\u4eba\u56e0\u7d20\u800c\u6709\u6240\u4e0d\u540c\u3002\uff09<\/p>\n\n\n\n<p>\u6309IRS\u898f\u5b9a\uff0c\u597959\u6b72\u534a\u4ee5\u5f8c\u5c31\u53ef\u4ee5\u53ef\u4ee5\u958b\u59cb\u5f9e401K\u4e2d\u62ff\u9322\uff08\u63d0\u6b3e\uff09\u800c\u7121\u9700\u4ea410\uff05\u7684\u6a19\u8a3b\u3002\u5979\u53ef\u4ee5\u5f9e\u5269\u9918\u768435\u842c\u7f8e\u5143\uff0c\u6bcf\u5e74\u62ff\u51fa3\u842c\u7f8e\u5143\uff08\u5979\u9818\u53d63\u842c\u7f8e\u5143\u7b97\u6536\u5165\u9700\u8981\u7533\u5831\u500b\u4eba\u6536\u5165\uff09\uff0c\u6211\u5efa\u8b70\u5979\u5f9e401K\u6536\u56de\u7684\u9322\u4f86\u6295\u4fdd\u4e00\u4efd\u570b\u5bb6\u4eba\u58fd50\u842c\u7f8e\u5143\u7684\u300a\u751f\u524d\u798f\u5229\u842c\u5168\u4fdd\u7684\u6307\u6578\u4e07\u80fd\u58fd\u96aa\/ Indexed Universal Life\uff0c\u7c21\u7a31IUL\u300b\uff0c\u5b83\u662f\u96c6\u4eba\u58fd\uff0c\u500d\u589e\u7bc0\u7701\uff0c\u7d55\u75c7\u4fdd\u96aa\uff0c\u9577\u671f\u8b77\u7406\/\u6162\u6027\u75be\u75c5\uff0c\u91cd\u5927\u75be\u75c5\uff0c\u91cd\u5927\u50b7\u6b98\u53ca\u7d42\u751f\u514d\u7a05\u9000\u4f11\u91d1\u529f\u80fd\u65bc\u4e00\u8eab\u7684\u300a 7\u54081\u4fdd\u96aa\u300b\u3002\u842c\u4e00\u6709\u91cd\u5927\u75be\u75c5\uff0c\u91cd\u5927\u50b7\u6b98\uff0c\u9577\u671f\u8b77\u7406\/\u6162\u6027\u75be\u75c5\uff0c\u7d55\u75c7\uff08\u751f\u547d\u9031\u671f\u572824\u500b\u6708\u4e4b\u5167\uff09\u6642\uff0c\u53ef\u5411\u4fdd\u96aa\u516c\u53f8\u7533\u8acb\u63d0\u524d\u7406\u8ce0\uff0c\u628a\u8eab\u5f8c\u7406\u8ce0\u8b8a\u6210\u63d0\u524d\u7406\u8ce0\uff0c\u8b93\u6d3b\u8457\u6642\u5c31\u53ef\u4ee5\u4f7f\u7528\u7406\u8ce0\u91d1\uff0c\u7406\u8ce0\u91d1\u6700\u9ad8\u53ef\u9054\u4fdd\u984d\u7684100\uff05\uff0c\u7406\u8ce0\u91d1\u5747\u7121\u9700\u7d0d\u7a05\uff01\u5b8c\u5168\u514d\u7a05\uff01<\/p>\n\n\n\n<p>\u6211\u5e6b\u5979\u9078\u64c7\u6b7b\u4ea1\u798f\u5229\u9078\u9805A \u2013\u7d1a\uff0c\u4fdd\u55ae\u73fe\u91d1\u503c\u4ee5\u6a19\u6e96\u666e\u723e500\u6307\u6578\u6307\u6578\u5e73\u5747\u5e74\u589e\u9577\u73876\uff05-7\uff05\u8907\u5229\u589e\u503c\u8a08\u7b97\uff0c\u5979\u6c7a\u5b9a\u898110\u5e74\u4ed8\u6e05\uff0c\u6bcf\u500b\u6708\u4ed8\u4fdd\u8cbb$ 1,481.54\u7f8e\u5143\uff0c\u4e00\u5e74\u4fdd\u8cbb\u70ba$ 17,778.48\u7f8e\u5143\uff08$ 1,481.54 x 12\u500b\u6708\uff09\u3002\u4fdd\u96aa\u5f9e\u958b\u59cb\u751f\u6548\u5230120\u6b72\uff0c\u4efb\u4f55\u6642\u5019\u5979\u904e\u4e16\u4e86\uff0c\u4fdd\u96aa\u516c\u53f8\u90fd\u8981\u8ce050\u842c\u7f8e\u5143\uff0c\u6c92\u6709\u6536\u76ca\u3002<\/p>\n\n\n\n<p>\u203b\u6211\u5011\u4f86\u7b97\u7b46\u8cec\uff0c\u5982\u679c\u53d7\u4fdd\u4eba65\u6b72\u6642\u82e5\uff1a<\/p>\n\n\n\n<p>*\u60a3\u6709\u60a3\u7d55\u75c7\uff0c\u4fdd\u96aa\u516c\u53f8\u4e00\u6b21\u6027\u751f\u524d\u7406\u8ce0\u8ce0\u4ed8\u80fd\u529b\u7d04$ 417,200\u7f8e\u5143\uff08\u82e5\u88ab\u91ab\u751f\u8a3a\u65b7\u5728\u4e16\u4e0a\u53ea\u6709\u5169\u5e74\u7684\u5b58\u6d3b\u671f\uff09\u3002<\/p>\n\n\n\n<p>*\u5f97\u4e86\u6162\u6027\u75c5\uff08\u5403\u98ef\uff0c\u7a7f\u8863\uff0c\u6d17\u6fa1\uff0c\u5982\u5ec1\uff0c\u632a\u52d5\uff0c\u5927\u5c0f\u4fbf\u5931\u7981\u7b49\u4efb\u4f55\u5176\u4e2d\u5927\u90e8\u5206\u4e0d\u80fd\u81ea\u7406\uff0c\u9019\u6a23\u60c5\u6cc1\u6301\u7e8c\u8d85\u904e90\u5929\uff09\uff0c\u4fdd\u96aa\u516c\u53f8\u6bcf\u6708\u652f\u4ed8\u53d7\u4fdd\u4eba\u9810\u8a08\u7d04$ 6,919\u5143\uff0c\u7406\u8ce0\u6301\u7e8c\u9ad8\u905450\u500b\u6708\u3002<\/p>\n\n\n\n<p>*\u60a3\u6709\u60a3\u91cd\u5927\u75be\u75c5\uff08\u7b2c\u56db\u985e\uff1a\u751f\u547d\u5371\u96aa\uff09\uff0c\u4fdd\u96aa\u516c\u53f8\u4e00\u6b21\u6027\u751f\u524d\u7406\u8ce0\u640d\u5931\u53ef\u9054\u7d04$ 391,226\u7f8e\u5143\u3002<\/p>\n\n\n\n<p>*\u5982\u679c\u6c92\u6709\u7528\u5230\u91cd\u5927\u75be\u75c5\u6216\u6162\u6027\u75be\u75c5\u7684\u7406\u8ce0\uff0c\u5c07\u4f86\u53d7\u4fdd\u4eba\u5f80\u751f\u5f8c\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u4e00\u7b46\u7406\u8ce0\u91d1$ 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