{"id":209209,"date":"2021-10-26T22:46:21","date_gmt":"2021-10-27T05:46:21","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=209209"},"modified":"2021-10-26T22:58:11","modified_gmt":"2021-10-27T05:58:11","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u5728\u7f8e\u570b\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\uff1f"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>01. Social Security Tax  \u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">02. Pensio<strong>n Plan   \u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>03. 401k,  IRA    \u500b\u4eba\u9000\u4f11\u8a08\u5283<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a4401K\u8207IRA\u53c8\u5404\u81ea\u5206\u70ba\u50b3\u7d71\u578b\u548c\u7f85\u65af\u578b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>401K\u3001Roth 401K \u3001IRA\u3001Roth IRA \u7684\u6bd4\u8f03<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5e74\u91d1<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e74\u91d1Annuity\u662f\u4e00\u7a2e\u4fdd\u96aa\u7522\u54c1\uff0c\u662f\u500b\u4eba\u6216\u516c\u53f8\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u4e00\u500b\u5408\u540c\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u4e00\u7a2e\u9000\u4f11\u5132\u84c4\u5de5\u5177\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u512a\u52e2\u4e00<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u4e5f\u662f\u5176\u6700\u5927\u512a\u52e2\uff0c\u70ba\u53ef\u4ee5\u5ef6\u7a05tax-deferral (\u4e0d\u53ef\u62b5\u7a05)\uff0c\u5373\u8cec\u6236\u88e1\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\u3002\u653e\u9032\u5e33\u6236\u88e1\u7684\u9322\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u9818\u53d6\u990a\u8001\u91d1\u6642\u624d\u9700\u8981\u4ea4\u7a05\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u512a\u52e2\u4e8c<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5e74\u91d1\u4e2d\uff0c\u653e\u591a\u5c11\u9322\u9032\u53bb\u4e26\u7121\u4e0a\u9650\uff0c\u4e5f\u4e0d\u53d7\u5e02\u5834\u6ce2\u52d5\u7684\u5f71\u97ff\uff0c\u662f\u76f8\u5c0d\u6bd4\u8f03\u4fdd\u5b88\u7a69\u91cd\u7684\u9000\u4f11\u8a08\u5283\u7522\u54c1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u512a\u52e2\u4e09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5176\u4ed6\u9000\u4f11\u8cec\u6236\u7684\u9322\uff0c\u53ef\u4ee5\u4e00\u6b21\u6027\u8f49\u9032\u5e74\u91d1\u88e1\u9762\uff0c\u6bd4\u5982401K, IRA\u7b49\u8cec\u6236\u7684\u7d2f\u7a4d\u3002\u5f88\u591a\u5e74\u91d1\u7522\u54c1\u6839\u64da\u4ea4\u4fdd\u8cbb\u7684\u5177\u9ad4\u5e74\u9650\uff0c\u6703\u5728\u7b2c\u4e00\u5e74\u6216\u662f\u9023\u7e8c\u5f88\u591a\u5e74\u7d66\u7d05\u5229\uff0c\u518d\u5728\u63a5\u4e0b\u4f86\u7684\u6bcf\u4e00\u5e74\u88e1\u9762\u7d66\u5230\u4e0d\u932f\u7684\u5229\u606f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u512a\u52e2\u56db<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6295\u4fdd\u4eba\u4e00\u6b21\u6027\u4ed8\u6b3eSingle Premium\u6216\u5206\u671f\u4ed8\u6b3eFlexible premium\u4e4b\u5f8c\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u6839\u64da\u4eba\u7684\u9810\u671f\u58fd\u547d\u548c\u6295\u4fdd\u8005\u7684\u5e74\u9f61\uff0c\u7cbe\u7b97\u51fa\u6bcf\u5e74\u61c9\u652f\u4ed8\u6295\u4fdd\u8005\u591a\u5c11\u9322\u3002\u4fdd\u96aa\u516c\u53f8\u5230\u898f\u5b9a\u7684\u6642\u9593\uff0c\u6703\u958b\u59cb\u5411\u6295\u4fdd\u4eba\u767c\u653e\u5e74\u91d1\uff0c\u6216\u662f\u4e00\u6bb5\u6642\u9593\uff0c\u6216\u662f\u4e00\u76f4\u767c\u653e\u5230\u6295\u4fdd\u4eba\u53bb\u4e16\u70ba\u6b62\u3002\u53ea\u8981\u662f\u6295\u4fdd\u4eba\u9084\u6d3b\u8457\uff0c\u54ea\u6015\u662f\u6295\u4fdd\u4eba\u5e74\u91d1\u8cec\u6236\u88e1\u7684\u9322\u5df2\u7d93\u7528\u5149\u4e86\uff0c\u4fdd\u96aa\u516c\u53f8\u4e5f\u8981\u7e7c\u7e8c\u70ba\u6295\u4fdd\u4eba\u5b9a\u671f\u5b9a\u984d\u767c\u653e\u5e74\u91d1\u3002\u5982\u679c\u6295\u4fdd\u8005\u5728\u4e16\u6642\u9593\u8d85\u904e\u7f8e\u570b\u4eba\u7684\u5e73\u5747\u58fd\u547d\uff0c\u90a3\u6295\u4fdd\u8005\u5c31\u8cfa\u5230\u4e86\uff0c\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u4e00\u76f4\u4ed8\u9322\u5230\u751f\u547d\u7684\u6700\u5f8c\u4e00\u5929\u3002<\/p>\n\n\n\n<p 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\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 \u5e74\u91d1Annuity\u662f\u4e00\u7a2e\u4fdd\u96aa\u7522\u54c1\uff0c\u662f\u500b\u4eba\u6216\u516c\u53f8\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u4e00\u500b\u5408\u540c\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u4e00\u7a2e\u9000\u4f11\u5132\u84c4\u5de5\u5177\u3002 \u512a\u52e2\u4e00 \u9019\u4e5f\u662f\u5176\u6700\u5927\u512a\u52e2\uff0c\u70ba\u53ef\u4ee5\u5ef6\u7a05tax-deferral (\u4e0d\u53ef\u62b5\u7a05)\uff0c\u5373\u8cec\u6236\u88e1\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\u3002\u653e\u9032\u5e33\u6236\u88e1\u7684\u9322\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u9818\u53d6\u990a\u8001\u91d1\u6642\u624d\u9700\u8981\u4ea4\u7a05\u3002 \u512a\u52e2\u4e8c \u5728\u5e74\u91d1\u4e2d\uff0c\u653e\u591a\u5c11\u9322\u9032\u53bb\u4e26\u7121\u4e0a\u9650\uff0c\u4e5f\u4e0d\u53d7\u5e02\u5834\u6ce2\u52d5\u7684\u5f71\u97ff\uff0c\u662f\u76f8\u5c0d\u6bd4\u8f03\u4fdd\u5b88\u7a69\u91cd\u7684\u9000\u4f11\u8a08\u5283\u7522\u54c1\u3002 \u512a\u52e2\u4e09 \u5728\u5176\u4ed6\u9000\u4f11\u8cec\u6236\u7684\u9322\uff0c\u53ef\u4ee5\u4e00\u6b21\u6027\u8f49\u9032\u5e74\u91d1\u88e1\u9762\uff0c\u6bd4\u5982401K, IRA\u7b49\u8cec\u6236\u7684\u7d2f\u7a4d\u3002\u5f88\u591a\u5e74\u91d1\u7522\u54c1\u6839\u64da\u4ea4\u4fdd\u8cbb\u7684\u5177\u9ad4\u5e74\u9650\uff0c\u6703\u5728\u7b2c\u4e00\u5e74\u6216\u662f\u9023\u7e8c\u5f88\u591a\u5e74\u7d66\u7d05\u5229\uff0c\u518d\u5728\u63a5\u4e0b\u4f86\u7684\u6bcf\u4e00\u5e74\u88e1\u9762\u7d66\u5230\u4e0d\u932f\u7684\u5229\u606f\u3002\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Raymond\"\/>\n\t<link rel=\"canonical\" href=\"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\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\n\t\t<meta name=\"google-adsense-account\" content=\"ca-pub-9175855296033541\">\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19 - \u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"\u5728\u7f8e\u570b\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\uff1f - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta property=\"og:description\" content=\"\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 \u5e74\u91d1Annuity\u662f\u4e00\u7a2e\u4fdd\u96aa\u7522\u54c1\uff0c\u662f\u500b\u4eba\u6216\u516c\u53f8\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u4e00\u500b\u5408\u540c\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u4e00\u7a2e\u9000\u4f11\u5132\u84c4\u5de5\u5177\u3002 \u512a\u52e2\u4e00 \u9019\u4e5f\u662f\u5176\u6700\u5927\u512a\u52e2\uff0c\u70ba\u53ef\u4ee5\u5ef6\u7a05tax-deferral (\u4e0d\u53ef\u62b5\u7a05)\uff0c\u5373\u8cec\u6236\u88e1\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\u3002\u653e\u9032\u5e33\u6236\u88e1\u7684\u9322\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u9818\u53d6\u990a\u8001\u91d1\u6642\u624d\u9700\u8981\u4ea4\u7a05\u3002 \u512a\u52e2\u4e8c \u5728\u5e74\u91d1\u4e2d\uff0c\u653e\u591a\u5c11\u9322\u9032\u53bb\u4e26\u7121\u4e0a\u9650\uff0c\u4e5f\u4e0d\u53d7\u5e02\u5834\u6ce2\u52d5\u7684\u5f71\u97ff\uff0c\u662f\u76f8\u5c0d\u6bd4\u8f03\u4fdd\u5b88\u7a69\u91cd\u7684\u9000\u4f11\u8a08\u5283\u7522\u54c1\u3002 \u512a\u52e2\u4e09 \u5728\u5176\u4ed6\u9000\u4f11\u8cec\u6236\u7684\u9322\uff0c\u53ef\u4ee5\u4e00\u6b21\u6027\u8f49\u9032\u5e74\u91d1\u88e1\u9762\uff0c\u6bd4\u5982401K, IRA\u7b49\u8cec\u6236\u7684\u7d2f\u7a4d\u3002\u5f88\u591a\u5e74\u91d1\u7522\u54c1\u6839\u64da\u4ea4\u4fdd\u8cbb\u7684\u5177\u9ad4\u5e74\u9650\uff0c\u6703\u5728\u7b2c\u4e00\u5e74\u6216\u662f\u9023\u7e8c\u5f88\u591a\u5e74\u7d66\u7d05\u5229\uff0c\u518d\u5728\u63a5\u4e0b\u4f86\u7684\u6bcf\u4e00\u5e74\u88e1\u9762\u7d66\u5230\u4e0d\u932f\u7684\u5229\u606f\u3002\" \/>\n\t\t<meta property=\"og:url\" content=\"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\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2021-10-27T05:46:21+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2021-10-27T05:58:11+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u5728\u7f8e\u570b\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\uff1f - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\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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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 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- News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\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 \u5e74\u91d1Annuity\u662f\u4e00\u7a2e\u4fdd\u96aa\u7522\u54c1\uff0c\u662f\u500b\u4eba\u6216\u516c\u53f8\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u4e00\u500b\u5408\u540c\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u4e00\u7a2e\u9000\u4f11\u5132\u84c4\u5de5\u5177\u3002 \u512a\u52e2\u4e00 \u9019\u4e5f\u662f\u5176\u6700\u5927\u512a\u52e2\uff0c\u70ba\u53ef\u4ee5\u5ef6\u7a05tax-deferral (\u4e0d\u53ef\u62b5\u7a05)\uff0c\u5373\u8cec\u6236\u88e1\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\u3002\u653e\u9032\u5e33\u6236\u88e1\u7684\u9322\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u9818\u53d6\u990a\u8001\u91d1\u6642\u624d\u9700\u8981\u4ea4\u7a05\u3002 \u512a\u52e2\u4e8c \u5728\u5e74\u91d1\u4e2d\uff0c\u653e\u591a\u5c11\u9322\u9032\u53bb\u4e26\u7121\u4e0a\u9650\uff0c\u4e5f\u4e0d\u53d7\u5e02\u5834\u6ce2\u52d5\u7684\u5f71\u97ff\uff0c\u662f\u76f8\u5c0d\u6bd4\u8f03\u4fdd\u5b88\u7a69\u91cd\u7684\u9000\u4f11\u8a08\u5283\u7522\u54c1\u3002 \u512a\u52e2\u4e09 \u5728\u5176\u4ed6\u9000\u4f11\u8cec\u6236\u7684\u9322\uff0c\u53ef\u4ee5\u4e00\u6b21\u6027\u8f49\u9032\u5e74\u91d1\u88e1\u9762\uff0c\u6bd4\u5982401K, IRA\u7b49\u8cec\u6236\u7684\u7d2f\u7a4d\u3002\u5f88\u591a\u5e74\u91d1\u7522\u54c1\u6839\u64da\u4ea4\u4fdd\u8cbb\u7684\u5177\u9ad4\u5e74\u9650\uff0c\u6703\u5728\u7b2c\u4e00\u5e74\u6216\u662f\u9023\u7e8c\u5f88\u591a\u5e74\u7d66\u7d05\u5229\uff0c\u518d\u5728\u63a5\u4e0b\u4f86\u7684\u6bcf\u4e00\u5e74\u88e1\u9762\u7d66\u5230\u4e0d\u932f\u7684\u5229\u606f\u3002","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/newsforchinese.com\/v3\/#website"},"breadcrumb":{"@id":"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\/#breadcrumblist"},"author":{"@id":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/#author"},"creator":{"@id":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/#author"},"image":{"@type":"ImageObject","url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg","@id":"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\/#mainImage","width":600,"height":400},"primaryImageOfPage":{"@id":"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\/#mainImage"},"datePublished":"2021-10-26T22:46:21-07:00","dateModified":"2021-10-26T22:58:11-07:00"},{"@type":"WebSite","@id":"https:\/\/newsforchinese.com\/v3\/#website","url":"https:\/\/newsforchinese.com\/v3\/","name":"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002","inLanguage":"en-US","publisher":{"@id":"https:\/\/newsforchinese.com\/v3\/#organization"}}]},"og:locale":"en_US","og:site_name":"News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19 - \u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002","og:type":"article","og:title":"\u5728\u7f8e\u570b\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\uff1f - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","og:description":"\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 \u5e74\u91d1Annuity\u662f\u4e00\u7a2e\u4fdd\u96aa\u7522\u54c1\uff0c\u662f\u500b\u4eba\u6216\u516c\u53f8\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u4e00\u500b\u5408\u540c\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u4e00\u7a2e\u9000\u4f11\u5132\u84c4\u5de5\u5177\u3002 \u512a\u52e2\u4e00 \u9019\u4e5f\u662f\u5176\u6700\u5927\u512a\u52e2\uff0c\u70ba\u53ef\u4ee5\u5ef6\u7a05tax-deferral (\u4e0d\u53ef\u62b5\u7a05)\uff0c\u5373\u8cec\u6236\u88e1\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\u3002\u653e\u9032\u5e33\u6236\u88e1\u7684\u9322\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u9818\u53d6\u990a\u8001\u91d1\u6642\u624d\u9700\u8981\u4ea4\u7a05\u3002 \u512a\u52e2\u4e8c \u5728\u5e74\u91d1\u4e2d\uff0c\u653e\u591a\u5c11\u9322\u9032\u53bb\u4e26\u7121\u4e0a\u9650\uff0c\u4e5f\u4e0d\u53d7\u5e02\u5834\u6ce2\u52d5\u7684\u5f71\u97ff\uff0c\u662f\u76f8\u5c0d\u6bd4\u8f03\u4fdd\u5b88\u7a69\u91cd\u7684\u9000\u4f11\u8a08\u5283\u7522\u54c1\u3002 \u512a\u52e2\u4e09 \u5728\u5176\u4ed6\u9000\u4f11\u8cec\u6236\u7684\u9322\uff0c\u53ef\u4ee5\u4e00\u6b21\u6027\u8f49\u9032\u5e74\u91d1\u88e1\u9762\uff0c\u6bd4\u5982401K, IRA\u7b49\u8cec\u6236\u7684\u7d2f\u7a4d\u3002\u5f88\u591a\u5e74\u91d1\u7522\u54c1\u6839\u64da\u4ea4\u4fdd\u8cbb\u7684\u5177\u9ad4\u5e74\u9650\uff0c\u6703\u5728\u7b2c\u4e00\u5e74\u6216\u662f\u9023\u7e8c\u5f88\u591a\u5e74\u7d66\u7d05\u5229\uff0c\u518d\u5728\u63a5\u4e0b\u4f86\u7684\u6bcf\u4e00\u5e74\u88e1\u9762\u7d66\u5230\u4e0d\u932f\u7684\u5229\u606f\u3002","og: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\/","og:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg","og:image:secure_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg","og:image:width":600,"og:image:height":400,"article:published_time":"2021-10-27T05:46:21+00:00","article:modified_time":"2021-10-27T05:58:11+00:00","twitter:card":"summary_large_image","twitter:title":"\u5728\u7f8e\u570b\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\uff1f - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","twitter:description":"\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 \u5e74\u91d1Annuity\u662f\u4e00\u7a2e\u4fdd\u96aa\u7522\u54c1\uff0c\u662f\u500b\u4eba\u6216\u516c\u53f8\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u4e00\u500b\u5408\u540c\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u4e00\u7a2e\u9000\u4f11\u5132\u84c4\u5de5\u5177\u3002 \u512a\u52e2\u4e00 \u9019\u4e5f\u662f\u5176\u6700\u5927\u512a\u52e2\uff0c\u70ba\u53ef\u4ee5\u5ef6\u7a05tax-deferral (\u4e0d\u53ef\u62b5\u7a05)\uff0c\u5373\u8cec\u6236\u88e1\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\u3002\u653e\u9032\u5e33\u6236\u88e1\u7684\u9322\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u9818\u53d6\u990a\u8001\u91d1\u6642\u624d\u9700\u8981\u4ea4\u7a05\u3002 \u512a\u52e2\u4e8c 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01:55:25","updated":"2025-06-10 18:46:41","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/newsforchinese.com\/v3\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/newsforchinese.com\/v3\/category\/biz\/\" title=\"\u5546\u60c5\u5831\u5c0e\">\u5546\u60c5\u5831\u5c0e<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span 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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 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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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\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 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