{"id":208561,"date":"2021-10-13T12:27:07","date_gmt":"2021-10-13T19:27:07","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=208561"},"modified":"2021-10-18T01:58:08","modified_gmt":"2021-10-18T08:58:08","slug":"%e6%83%b3%e8%a6%81%e5%ae%89%e5%bf%83%e9%80%80%e4%bc%91%e5%bf%85%e9%a0%88%e7%9f%a5%e9%81%93%e4%ba%8c%e4%b8%89%e4%ba%8b","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2021\/10\/13\/%e6%83%b3%e8%a6%81%e5%ae%89%e5%bf%83%e9%80%80%e4%bc%91%e5%bf%85%e9%a0%88%e7%9f%a5%e9%81%93%e4%ba%8c%e4%b8%89%e4%ba%8b\/","title":{"rendered":"\u60f3\u8981\u5b89\u5fc3\u9000\u4f11\u5fc5\u9808\u77e5\u9053\u4e8c\u4e09\u4e8b"},"content":{"rendered":"\n<p>\u4e00\u8aaa\u5230\u9000\u4f11\uff0c\u5927\u5bb6\u90fd\u6703\u64d4\u5fc3\u81ea\u5df1\u5b58\u7684\u9322\u4e0d\u5920\u990a\u8001\uff0c\u800c\u4e14\u6700\u8fd1\u5b30\u5152\u6f6e\u4e16\u4ee3\u7684\u4eba\u4e5f\u8981\u958b\u59cb\u9000\u4f11\u4e86\uff0c\u751a\u81f3\u6709\u7684\u4eba\u9084\u8981\u63d0\u524d\u9000\u4f11\uff0c\u90a3\u6211\u5011\u53ef\u4ee5\u505a\u4e00\u4e9b\u4ec0\u9ebc\u6a23\u7684\u8a08\u5283\uff0c\u597d\u8b93\u81ea\u5df1\u5c07\u4f86\u7684\u9000\u4f11\u751f\u6d3b\u53ef\u4ee5\u5c11\u7169\u60f1\u4e9b\u5462\uff1f<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u7531\u65bc\u6bcf\u500b\u4eba\u7684\u5bb6\u5ead\u3001\u5de5\u4f5c\u3001\u793e\u6703\u751f\u6d3b\u4ee5\u53ca\u4eba\u751f\u6240\u8655\u968e\u6bb5\u7684\u4e0d\u540c\uff0c\u5c0d\u65bc\u9000\u4f11\u8a08\u5283\u9019\u4ef6\u4e8b\u4f86\u8aaa\uff0c\u4e0d\u80fd\u7c60\u7d71\u5730\u201c\u4e00\u5200\u5207\u201d\uff0c\u6240\u4ee5\u6211\u5011\u6cdb\u5b87\u96c6\u5718\u91dd\u5c0d\u4e0d\u540c\u7684\u5ba2\u6236\u7fa4\u9ad4\uff0c\u6bd4\u5982\u81ea\u96c7\u4e3b\u3001Business 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data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"Retirement\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg\" src=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg\" alt=\"\" class=\"wp-image-208562\" srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg 600w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement-300x226.jpg 300w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement-400x300.jpg 400w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" 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$15\u842c\u584a\u6de8\u6536\u5165\uff0c\u5230\u4e86\u5831\u7a05\u6642\u5019\uff0c\u6703\u8a08\u8ddf\u4ed6\u8aaa\uff0c\u4eca\u5e74\u8981\u4ea4$49000\u584a\u9322\u7684\u7a05\uff0c\u770b\u8457\u9019\u9ebc\u9ad8\u7684\u7a05\uff0c\u4ed6\u4e5f\u5f88\u7dca\u5f35\uff0c\u5c31\u6703\u554f\u6703\u8a08\u5e2b\u600e\u9ebc\u505a\u53ef\u4ee5\u5c11\u4ea4\u4e00\u9ede\u7a05\u3002\u9019\u6642\uff0c\u6703\u8a08\u5e2b\u901a\u5e38\u6703\u5efa\u8b70\u4ed6\u958b\u500bIRA\uff0c\u5b58\u500b$6000\u584a\u6216\u8005\u958b\u500bSEP\uff0c\u5b58\u500b\u5169\u842c\u516b\u9019\u6a23\u5b50\uff0c\u4f46\u9019\u6a23\u505a\u662f\u4e0d\u662f\u5c31\u80fd\u9054\u5230\u7701\u7a05\u6700\u5927\u5316\uff1f\u7576\u7136\u4e0d\u662f\uff01\u5176\u5be6\u5728\u9019 $49000\u584a\u9322\u7684\u7a05\u88e1\u9762\uff0c\u81ea\u96c7\u4e3b\u7684\u7a05\u4f54\u5927\u982d\uff0c\u7d04\u70ba $21000\u591a\uff0c\u6240\u4ee5\u4e0d\u7ba1\u662f\u958bIRA\u9084\u662fSEP\uff0c\u50c5\u50c5\u662f\u806f\u90a6\u548c\u5dde\u7a05\u7684\u90e8\u5206\u7701\u4e86\u4e00\u9ede\uff0c\u5728\u81ea\u50f1\u7a05\u90e8\u5206\u4e00\u6bdb\u9322\u7701\u4e0d\u5230\uff0c\u90a3\u9084\u6709\u4ec0\u9ebc\u8fa6\u6cd5\u55ce\uff1f<\/p>\n\n\n\n<p><strong>\u6210\u7acb\u516c\u53f8<\/strong><\/p>\n\n\n\n<p>\u53ef\u4ee5\u6210\u7acb\u4e00\u9593\u516c\u53f8\uff0c\u628a\u6536\u5165\u653e\u5230\u516c\u53f8\u88e1\u53bb\uff0c\u7136\u5f8c\u628a\u516c\u53f8\u88e1\u9762\u6536\u5165\u768440%-50%\u7576\u4f5c\u85aa\u6c34\uff0c\u53e6\u5916\u7576\u505a\u5206\u7d05\u7684\u8a71\uff0c\u81ea\u96c7\u4e3b\u99ac\u4e0a\u53ef\u4ee5\u9054\u5230\u8ddf\u653e\u5169\u842c\u516b\u4e00\u6a23\u7684\u6548\u679c\uff0c\u4e5f\u53ef\u4ee5\u7701\u4e86\u5c07\u8fd1 $7000\u584a\u7684\u7a05\u3002\u9019\u6a23\u770b\u8d77\u4f86\u96d6\u7136\u806f\u90a6\u8ddf\u5dde\u7a05\u7701\u7684\u4e00\u6a23\u591a\uff0c\u4f46\u662f\u9084\u662f\u6709\u5dee\u5225\uff0c\u53ea\u6709\u85aa\u6c34\u90e8\u5206\u624d\u8981\u4ed8\u81ea\u50f1\u7a05\uff0c\u800c\u5206\u7d05\u5c31\u4e0d\u7528\u4ed8\u4e86\uff0c\u9019\u6a23\u7701\u4e0b\u4f86\u7684\u8a71\u6703\u66f4\u503c\u5f97\u3002<\/p>\n\n\n\n<p><strong>Solo 401K Profit-Sharing Plan<\/strong><\/p>\n\n\n\n<p>\u5982\u679c\u662f\u81ea\u5df1\u4e00\u500b\u4eba\u6216\u8005\u592b\u59bb\u6a94\uff0c\u800c\u4e14\u4e0b\u9762\u6c92\u6709\u4efb\u4f55W2\u5168\u8077\u54e1\u5de5\u7684\u81ea\u96c7\u4e3b\uff0c\u4e26\u4e14\u6bcf\u5e74\u6de8\u6536\u5165\u57288\u842c\u584a\u4ee5\u4e0a\uff0c\u9084\u53ef\u4ee5\u53c3\u52a0Solo 401K Profit-Sharing Plan\uff0c\u9019\u6a23\u5728\u85aa\u6c34\u65b9\u9762\u518d\u7701\u523025%\uff0c\u53ef\u4ee5\u653e\u5230\u9000\u4f11\u8a08\u5283\uff0c\u7136\u5f8c401K\u518d\u653e\u4e00\u842c\u4e5d\u5343\u4e94\u6216\u5169\u842c\u516d\uff08\u5982\u679c\u5e74\u9f61\u8d85\u904e50\u6b72\uff09\u3002\u60f3\u60f3\u770b\uff0c\u5982\u679c\u6210\u7acb\u516c\u53f8\u7684\u540c\u6642\u53c8\u53c3\u52a0Solo 401K\u7684\u8a71\uff0c\u7acb\u99ac\u7701\u7a05\u5f9e\u4e03\u5343\u584a\u7701\u5230\u4e00\u842c\u4e03\u5343\u584a\u4e86\uff0c\u800c\u4e14\u9019\u4e00\u985e\u7684\u8a08\u5283\uff0c\u8cbb\u7528\u4e5f\u5f88\u4fbf\u5b9c\u3002<\/p>\n\n\n\n<p>\u6587\/\u9ec3\u66c9\u6771<\/p>\n\n\n\n<p>dhuang@elitefig.com \u53d6\u5f97\u7db2\u4e0a\u9023\u63a5<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"325\" data-attachment-id=\"205411\" 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\uff0c2016\u5e74\u53ef\u9818\u53d6\u6700\u9ad8\u5168\u984d\u9000\u4f11\u91d1\u7684\u6578\u984d\u70ba$2,639\/\u6708($31,668\/\u5e74)\u3002\u800c2016\u5e74\u5168\u7f8e\u9000\u4f11\u4eba\u54e1\u5e73\u5747\u9000\u4f11\u91d1\u70ba$1,341\/\u6708($16,092\/\u5e74\uff09\u3002\u5be6\u969b\u4e0a\u610f\u5473\u8457\u793e\u6703\u9000\u4f11\u91d1\u50c5\u50c5\u53ea\u662f\u9000\u4f11\u6536\u5165\u7684\u88dc\u5145\uff0c\u6211\u5011\u9700\u8981\u5176\u4ed6\u7684\u500b\u4eba\u6295\u8cc7\u56de\u5831\u6216\u5b58\u6b3e\u505a\u70ba\u9000\u4f11\u751f\u6d3b\u505a\u6253\u7b97\u3002\u554f\u984c\u4f86\u4e86\u6709\u54ea\u4e9b\u9000\u4f11\u8a08\u5283\u53ef\u4ee5\u9078\u64c7\u5462\uff1f\u70ba\u4e86\u7701\u9322\u990a\u8001\uff0c\u964d\u4f4e\u4e86\u76ee\u524d\u7684\u751f\u6d3b\u8cea\u91cf\uff0c\u800c\u4e14\u7701\u4e0b\u4f86\u7684\u9322\u7121\u6cd5\u7559\u7d66\u81ea\u5df1\u82b1\u6216\u8005\u50b3\u627f\u7d66\u5b50\u5973\uff0c\u53cd\u800c\u90fd\u88ab\u653f\u5e9c\u7a05\u8d70\u4e86\uff0c\u5f97\u4e0d\u511f\u5931\u554a\u3002\u90a3\u9000\u4f11\u8a08\u5283\u5230\u5e95\u61c9\u8a72\u5982\u4f55\u9078\u64c7\u5462\uff1f\u5148\u4f86\u77ad\u89e3\u4e00\u4e0b\u6709\u54ea\u4e9b\u985e\u578b\u7684\u9000\u4f11\u8a08\u5283\u3002 \u5e38\u7528\u7684\u5e7e\u7a2e\u9000\u4f11\u8a08\u5283\uff1a 1. 401k \u6216\u662fRoth 401k\uff1a\u53ef\u4ee5\u62b5\u7a05 \u5927\u591a\u6578\u5927\u4e2d\u578b\u4f01\u696d\u516c\u53f8\u90fd\u7d66\u54e1\u5de5\u63d0\u4f9b401k\u6216\u662fRoth 401k\u8a08\u5283\u3002\u9019\u5169\u500b\u8a08\u5283\u662f\u54e1\u5de5\u81ea\u5df1\u4f5c\u6295\u5165\u6bd4\u4f8b\u7684\u8a08\u5283\u3002\u54e1\u5de5\u81ea\u9858\u6700\u591a\u53ef\u4ee5\u5b58\u5165$18,000(2017\u5e74)\u6295\u5165401k\u6216\u662fRoth 401k\u3002 \u5f88\u591a\u96c7\u4e3b\u6703\u7d66\u4f60\u4e00\u4e9b\u88dc\u5145\uff0c\u901a\u5e38\u662f\u4f60\u5e74\u6536\u51656%\u7684\u90a3\u90e8\u5206\u7d66\u4f6050%\u7684\u88dc\u5145\uff0c\u4e5f\u5c31\u662f\u7d66\u4f603%\u7684\u984d\u5916\u6295\u5165\u3002\u8209\u4f8b\uff1a\u5982\u679c\u4f60\u5e74\u85aa10\u842c\uff0c\u6295$6,000\u5728401k \uff0c\u96c7\u4e3b\u53ef\u80fd\u6703\u7d66\u4f60\u88dc\u5145$3,000\u3002\u6709\u4e9b\u884c\u696d(\u5982\u91ab\u9662\u3001\u5b78\u6821)\u7684\u88dc\u5145\u6bd4\u4f8b\u9ad8\uff0c\u6709\u4e9b\u4f4e\uff0c\u4e5f\u6709\u4e9b\u516c\u53f8\u6839\u672c\u5c31\u6c92\u6709\u3002 \u5169\u8005\u9084\u662f\u6709\u5dee\u5225\uff1a 1. \u6295\u5165401k\u8a08\u5283\u7684\u9322\u53ef\u4ee5\u7576\u4e0b\u62b5\u7a05\uff0c\u5e74\u7d42\u5831\u7a05\u6642\u53ef\u4ee5\u628a\u6295\u5165401k\u7684\u90a3\u90e8\u5206\u6e1b\u6389\u3002\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c\u62ff\u51fa\u4f86\u7684\u9322\u90fd\u9700\u8981\u7e73\u6536\u5165\u7a05\u3002 2. \u6295\u5165Roth 401k\u8a08\u5283\u7684\u9322\u4e0d\u80fd\u7576\u4e0b\u62b5\u7a05\uff0c\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c\u62ff\u51fa\u4f86\u7684\u9322\u4e0d\u7528\u5728\u7e73\u4efb\u4f55\u7684\u7a05\u3002 \u6bd4\u8f03\uff1a401k\u548cRoth 401k\u7684\u5340\u5225\u5c31\u662f\u4e00\u500b\u662f\u7a05\u524d\uff0c\u4e00\u500b\u662f\u7a05\u5f8c 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IRA\u8a08\u5283\u7684\u9322\u4e0d\u80fd\u7576\u4e0b\u62b5\u7a05\uff0c\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c \u62ff\u51fa\u4f86\u7684\u9322\u4e0d\u7528\u5728\u7e73\u4efb\u4f55\u7684\u7a05\u3002 \u6bd4\u8f03\uff1a\u9078\u64c7\u50b3\u7d71IRA\u9084\u662fRoth IRA\uff0c\u985e\u4f3c\u65bc\u9078\u64c7401k\u548cRoth 401k\u7684\u8003\u91cf\u3002\u5982\u679c\u4f60\u5df2\u6709\u5176\u5b83\u7a05\u524d\u7684\u9000\u4f11\u8a08\u5283\uff0c\u662f\u5426\u518d\u958b\u8a2dRoth IRA \u5247\u8981\u8003\u616e\u5bb6\u5ead\u6574\u9ad4\u7684\u8ca1\u52d9\u898f\u5283\uff0c\u9000\u4f11\u8a08\u5283\u8207\u5b50\u5973\u6559\u80b2\u57fa\u91d1\u7684\u5e73\u8861\u4ee5\u53ca\u76ee\u524d\u7684\u73fe\u91d1\u6d41\uff0c\u61c9\u54a8\u8a62\u5c08\u696d\u4eba\u58eb \u3002 3. SEP IRA(Simplied Employee Pension)\u8a08\u5283\uff1a\u2026","rel":"","context":"In &quot;\u5546\u60c5\u5831\u5c0e&quot;","block_context":{"text":"\u5546\u60c5\u5831\u5c0e","link":"https:\/\/newsforchinese.com\/v3\/category\/biz\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/national-life-group-.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/national-life-group-.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/national-life-group-.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":153919,"url":"https:\/\/newsforchinese.com\/v3\/2018\/03\/28\/%e5%9c%8b%e5%ae%b6%e4%ba%ba%e5%a3%bd-%e8%ae%93%e6%82%a8%e7%9a%84%e7%94%9f%e6%b4%bb%e6%9b%b4%e7%b2%be%e5%bd%a9-2\/","url_meta":{"origin":208561,"position":3},"title":"\u570b\u5bb6\u4eba\u58fd\u00a0\u8b93\u60a8\u7684\u751f\u6d3b\u66f4\u7cbe\u5f69\u00a0","author":"Raymond","date":"March 28, 2018","format":false,"excerpt":"\u5728\u7f8e\u570b\u751f\u6d3b\uff0c\u8cfa\u4e86\u9322\u8981\u4ea4\u7a05\uff0c\u842c\u7a05\u4e4b\u570b\u00a0\u3002\u793e\u6703\u5b89\u5168\u7a05\u9000\u4f11\u6642\u53ef\u4ee5\u62ff\u9322\u56de\u4f86\u00a0\uff0c\u53ef\u662f\u7b49\u4f60\u9000\u4f11\u6642\uff0c\u5230\u5e95\u53ef\u4ee5\u62ff\u591a\u5c11\u9322\u5462\uff1f\u5be6\u969b\u4e0a\uff0c\u7b49\u4f60\u9000\u4f11\u6642\u80fd\u9818\u53d6\u5230\u7684\u793e\u6703\u4fdd\u969c\u91d1\u537b\u9060\u9060\u5c0f\u65bc\u7406\u8ad6\u4e0a\u7684\u6578\u503c\u00a0\uff0c\u9019\u662f\u56e0\u70ba\u793e\u6703\u9000\u4f11\u91d1\u7684\u984d\u5ea6\u6839\u64da\u904e\u53bb35\u5e74\u6700\u9ad8\u5de5\u8cc7\u6c34\u5e73\u8a08\u7b97\u7684(\u5047\u8a2d\u4f60\u5de5\u4f5c\u8d85\u904e35\u5e74)\u3002\u5be6\u969b\u80fd\u9818\u53d6\u6700\u9ad8\u5168\u984d\u9000\u4f11\u91d1\u7684\u9000\u4f11\u8005\u8981\u5728\u904e\u53bb35\u5e74\u7e73\u7d0d\u6700\u9ad8\u7684\u7a05\u984d\u3002\u6b64\u5916\u9084\u53d6\u6c7a\u65bc\u9000\u4f11\u8005\u4f55\u6642\u9000\u4f11\u548c\u5de5\u4f5c\u6642\u5de5\u8cc7\u6c34\u5e73\u3002\u64da\u7d71\u8a08\u00a0\uff0c2016\u5e74\u53ef\u9818\u53d6\u6700\u9ad8\u5168\u984d\u9000\u4f11\u91d1\u7684\u6578\u984d\u70ba$2,639\/\u6708($31,668\/\u5e74)\u3002\u800c2016\u5e74\u5168\u7f8e\u9000\u4f11\u4eba\u54e1\u5e73\u5747\u9000\u4f11\u91d1\u70ba$1,341\/\u6708($16,092\/\u5e74\uff09\u3002\u5be6\u969b\u4e0a\u610f\u5473\u8457\u793e\u6703\u9000\u4f11\u91d1\u50c5\u50c5\u53ea\u662f\u9000\u4f11\u6536\u5165\u7684\u88dc\u5145\uff0c\u6211\u5011\u9700\u8981\u5176\u4ed6\u7684\u500b\u4eba\u6295\u8cc7\u56de\u5831\u6216\u5b58\u6b3e\u505a\u70ba\u9000\u4f11\u751f\u6d3b\u505a\u6253\u7b97\u3002\u554f\u984c\u4f86\u4e86\u6709\u54ea\u4e9b\u9000\u4f11\u8a08\u5283\u53ef\u4ee5\u9078\u64c7\u5462\uff1f\u70ba\u4e86\u7701\u9322\u990a\u8001\uff0c\u964d\u4f4e\u4e86\u76ee\u524d\u7684\u751f\u6d3b\u8cea\u91cf\uff0c\u800c\u4e14\u7701\u4e0b\u4f86\u7684\u9322\u7121\u6cd5\u7559\u7d66\u81ea\u5df1\u82b1\u6216\u8005\u50b3\u627f\u7d66\u5b50\u5973\uff0c\u53cd\u800c\u90fd\u88ab\u653f\u5e9c\u7a05\u8d70\u4e86\uff0c\u5f97\u4e0d\u511f\u5931\u554a\u3002\u90a3\u9000\u4f11\u8a08\u5283\u5230\u5e95\u61c9\u8a72\u5982\u4f55\u9078\u64c7\u5462\uff1f\u5148\u4f86\u77ad\u89e3\u4e00\u4e0b\u6709\u54ea\u4e9b\u985e\u578b\u7684\u9000\u4f11\u8a08\u5283\u3002 \u5e38\u7528\u7684\u5e7e\u7a2e\u9000\u4f11\u8a08\u5283\uff1a 1. 401k\u00a0\u6216\u662fRoth 401k\uff1a\u53ef\u4ee5\u62b5\u7a05 \u5927\u591a\u6578\u5927\u4e2d\u578b\u4f01\u696d\u516c\u53f8\u90fd\u7d66\u54e1\u5de5\u63d0\u4f9b401k\u6216\u662fRoth 401k\u8a08\u5283\u3002\u9019\u5169\u500b\u8a08\u5283\u662f\u54e1\u5de5\u81ea\u5df1\u4f5c\u6295\u5165\u6bd4\u4f8b\u7684\u8a08\u5283\u3002\u54e1\u5de5\u81ea\u9858\u6700\u591a\u53ef\u4ee5\u5b58\u5165$18,000(2017\u5e74)\u6295\u5165401k\u6216\u662fRoth\u00a0401k\u3002 \u5f88\u591a\u96c7\u4e3b\u6703\u7d66\u4f60\u4e00\u4e9b\u88dc\u5145\uff0c\u901a\u5e38\u662f\u4f60\u5e74\u6536\u51656%\u7684\u90a3\u90e8\u5206\u7d66\u4f6050%\u7684\u88dc\u5145\uff0c\u4e5f\u5c31\u662f\u7d66\u4f603%\u7684\u984d\u5916\u6295\u5165\u3002\u8209\u4f8b\uff1a\u5982\u679c\u4f60\u5e74\u85aa10\u842c\uff0c\u6295$6,000\u5728401k\u00a0\uff0c\u96c7\u4e3b\u53ef\u80fd\u6703\u7d66\u4f60\u88dc\u5145$3,000\u3002\u6709\u4e9b\u884c\u696d(\u5982\u91ab\u9662\u3001\u5b78\u6821)\u7684\u88dc\u5145\u6bd4\u4f8b\u9ad8\uff0c\u6709\u4e9b\u4f4e\uff0c\u4e5f\u6709\u4e9b\u516c\u53f8\u6839\u672c\u5c31\u6c92\u6709\u3002 \u5169\u8005\u9084\u662f\u6709\u5dee\u5225\uff1a 1.\u00a0\u6295\u5165401k\u8a08\u5283\u7684\u9322\u53ef\u4ee5\u7576\u4e0b\u62b5\u7a05\uff0c\u5e74\u7d42\u5831\u7a05\u6642\u53ef\u4ee5\u628a\u6295\u5165401k\u7684\u90a3\u90e8\u5206\u6e1b\u6389\u3002\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c\u62ff\u51fa\u4f86\u7684\u9322\u90fd\u9700\u8981\u7e73\u6536\u5165\u7a05\u3002 2.\u00a0\u6295\u5165Roth 401k\u8a08\u5283\u7684\u9322\u4e0d\u80fd\u7576\u4e0b\u62b5\u7a05\uff0c\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c\u62ff\u51fa\u4f86\u7684\u9322\u4e0d\u7528\u5728\u7e73\u4efb\u4f55\u7684\u7a05\u3002 \u6bd4\u8f03\uff1a401k\u548cRoth 401k\u7684\u5340\u5225\u5c31\u662f\u4e00\u500b\u662f\u7a05\u524d\uff0c\u4e00\u500b\u662f\u7a05\u5f8c\u00a0\u3002\u7a76\u7adf\u54ea\u500b\u66f4\u597d\u5462\uff1f\u9019\u500b\u8981\u56e0\u4eba\u800c\u7570\u00a0\u3002 2.\u00a0\u50b3\u7d71IRA\u6216\u662fRoth IRA\uff1a \u6709\u4e9b\u516c\u53f8\u4e0d\u63d0\u4f9b\u4efb\u4f55\u9000\u4f11\u8a08\u5283\uff0c\u6240\u4ee5\u500b\u4eba\u53ef\u4ee5\u5148\u958b\u8a2d\u50b3\u7d71IRA\u6216\u662f\u00a0Roth IRA\u8cec\u6236\u3002\u6bcf\u5e74\u53ef\u4ee5\u6295\u5165$5,500\uff0c\u5982\u679c\u4f60\u5e74\u904e50\uff0c\u5247\u53ef\u4ee5\u6295\u5165$6,500\u3002\u9019\u5169\u500b\u8a08\u5283\u8ddf\u4e4b\u524d\u7684401k\u548c\u00a0Roth 401k\u7684\u6027\u8cea\u5dee\u4e0d\u591a: 1.\u00a0\u6295\u5165IRA\u8a08\u5283\u7684\u9322\u53ef\u4ee5\u7576\u4e0b\u62b5\u7a05\uff0c\u5e74\u7d42\u5831\u7a05\u6642\u53ef\u4ee5\u628a\u6295\u5165IRA\u7684\u90a3\u90e8\u5206\u6e1b\u6389\u3002\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c\u62ff\u51fa\u4f86\u7684\u9322\u90fd\u9700\u8981\u7e73\u6536\u5165\u7a05\u3002 2.\u00a0\u6295\u5165Roth IRA\u8a08\u5283\u7684\u9322\u4e0d\u80fd\u7576\u4e0b\u62b5\u7a05\uff0c\u4f46\u662f\u9000\u4f11\u4e4b\u5f8c\uff0c\u00a0\u62ff\u51fa\u4f86\u7684\u9322\u4e0d\u7528\u5728\u7e73\u4efb\u4f55\u7684\u7a05\u3002 \u6bd4\u8f03\uff1a\u9078\u64c7\u50b3\u7d71IRA\u9084\u662fRoth IRA\uff0c\u985e\u4f3c\u65bc\u9078\u64c7401k\u548cRoth 401k\u7684\u8003\u91cf\u3002\u5982\u679c\u4f60\u5df2\u6709\u5176\u5b83\u7a05\u524d\u7684\u9000\u4f11\u8a08\u5283\uff0c\u662f\u5426\u518d\u958b\u8a2dRoth IRA\u00a0\u5247\u8981\u8003\u616e\u5bb6\u5ead\u6574\u9ad4\u7684\u8ca1\u52d9\u898f\u5283\uff0c\u9000\u4f11\u8a08\u5283\u8207\u5b50\u5973\u6559\u80b2\u57fa\u91d1\u7684\u5e73\u8861\u4ee5\u53ca\u76ee\u524d\u7684\u73fe\u91d1\u6d41\uff0c\u61c9\u54a8\u8a62\u5c08\u696d\u4eba\u58eb\u00a0\u3002 3. SEP\u00a0IRA(Simplied\u00a0Employee Pension)\u8a08\u5283\uff1a \u9019\u7a2e\u8a08\u5283\u9069\u5408\u81ea\u7531\u8077\u696d\u8005\/\u81ea\u96c7\u4e3b\u696d\u8005\uff0c\u5982\u5c0f\u516c\u53f8\u8001\u95c6\uff0c\u6216\u8005\u98181099\u8868\u7684\u4eba\u6e96\u5099\u7684\uff0c\u6709\u4e9b\u4eba\u65e2\u9818W2\u8868\uff0c\u53c8\u98181099\u8868\uff0c\u52471099\u8868\u4e0a\u7684\u6536\u5165\u4e5f\u53ef\u4ee5\u62ff\u4f86\u958b\u8a2dSEP\u3002\u9019\u985e\u4eba\u7fa4\u628a\u5e74\u6de8\u6536\u5165\u768425\u62ff\u53bb\u958b\u8a2dSEP\uff0c\u6700\u591a\u4e0d\u80fd\u8d85\u904e$5.3\u842c(2015\u5e74)\u3002 \u8209\u4f8b\uff1a\u5982\u679c\u662f\u958b\u696d\u91ab\u751f\u6216\u5f8b\u5e2b\uff0c\u5e74\u6536\u5165$20\u842c\uff0c\u53bb\u6389\u6709\u95dc\u7684\u8cbb\u7528\u3001\u793e\u6703\u4fdd\u96aa\u3001\u7a05\u3001\u91ab\u7642\u4fdd\u96aa\u7b49\uff0c\u4f60\u7684\u6de8\u6536\u5165\u662f$15\u842c\uff0c\u4f60\u53ef\u4ee5\u62ff\u51fa$3\u842c(15\u842cx20%)\u4f86\u958b\u8a2dSEP\uff0c\u4f60\u5831\u7a05\u5c31\u6309$12\u842c(15\u842c-3\u842c)\u4f86\u5831\uff0c\u5b9a\u7684\u7d2f\u7a4d\u5230\u4e00\u5b9a\u7684\u8ca1\u5bcc\u53ef\u4ee5\u8003\u616e\u65e9\u9000\u4f11\uff0c\u4eab\u53d7\u9000\u4f11\u751f\u6d3b\u3002\u5982\u4f55\u898f\u5283\u9000\u4f11\u8a08\u5283\uff0c\u9078\u64c7\u54ea\u4e9b\u7522\u54c1\uff0c\u4fdd\u969c\u5e74\u8001\u4e86\u4e5f\u80fd\u4eab\u53d7\u5230\u8f03\u9ad8\u7684\u751f\u6d3b\u54c1\u8cea\uff0c\u9019\u500b\u6642\u5019\uff0c\u4e00\u500b\u5c08\u696d\u53ef\u9760\u7684\u4ee3\u7406\u4eba\u5c31\u986f\u5f97\u975e\u5e38\u7684\u91cd\u8981\uff0c\u53ea\u6709\u5c0d\u4ee5\u4e0a\u8a08\u5283\u6709\u8db3\u5920\u5c08\u696d\u7684\u77ad\u89e3\uff0c\u624d\u80fd\u5e6b\u52a9\u5ba2\u6236\u66f4\u597d\u5730\u898f\u5283\u8cc7\u7522\uff0c\u9078\u64c7\u5408\u9069\u7684\u8a08\u5283\uff0c\u4e5f\u4fdd\u8b49\u4e86\u5ba2\u6236\u5229\u76ca\u6700\u5927\u5316\u3002 \u5168\u7f8e\u514d\u8cbb\u670d\u52d9\u71b1\u7dda\u00a0\uff1a1-877-650-6870\u00a0 \u6587\/\u570b\u5bb6\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u52a0\u5dde\u5206\u516c\u53f8\u5e02\u5834\u7e3d\u76e3\u5289\u96f2\u5c71","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\/2018\/03\/national-life-group.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/national-life-group.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/03\/national-life-group.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":175439,"url":"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\/","url_meta":{"origin":208561,"position":4},"title":"\u7f8e\u570b\u4eba\u9000\u4f11\u7e3d\u8cc7\u752229.1\u842c\u5104\u7f8e\u5143","author":"Raymond","date":"September 15, 2019","format":false,"excerpt":"\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\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 \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 \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 \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 \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 \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 \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 \u00a0 \u6587\/Xiao","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\/2019\/09\/%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.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/09\/%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.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/09\/%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.jpg?resize=525%2C300&ssl=1 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\u5bcc\u90a6\u6295\u8d44\u7684\u5275\u8fa6\u4eba\uff0cRegistered Investment Advisor\u8a3b\u518a\u6295\u8cc7\u9867\u554fAlfred Chan\u9673\u555f\u5149\u5148\u751f\uff0c\u64c1\u6709\u5341\u591a\u5e74\u6295\u8cc7\u7406\u8ca1\u7684\u5c08\u696d\u548c\u7d93\u9a57\u3002\u5728\u7063\u5340\u6709\u4e09\u9593\u8fa6\u516c\u5ba4\uff0c\u5206\u4f48Burlingame (\u7e3d\u516c\u53f8), San Francisco, Oakland, \u00a0\u5229\u4fbf\u7d04\u8ac7\u3002\u505a\u751f\u610f\u53c8\u8cfa\u9322\u7684\u8001\u95c6\u5011\uff0c\u60f3\u77ad\u89e3\u4e0d\u540c\u985e\u578b\u7684\u7701\u7a05\u7b56\u7565\uff0c\u4ee5\u53ca\u767e\u4efd\u767e\u514d\u7a05\u63d0\u53d6\u7684\u898f\u5283\u3002\u6b61\u8fce\u81f4\u96fb\u5bcc\u90a6\u6295\u8d44\uff0c\u96fb\u8a71\uff1a1-888-991-3833 \u5b89\u6392\u7d04\u8ac7\u3002\u5bcc\u90a6\u7406\u8ca1\u6703\u70ba\u4f60\u548c\u4f60\u516c\u53f8\uff0c\u5ea6\u8eab\u8a02\u9020\u5408\u9069\u4f60\u548c\u4f60\u516c\u53f8\u7684\u7701\u7a05\u898f\u5283\u3002","rel":"","context":"In 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