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content=\"\u500b\u4eba\u7406\u8ca1\u662f\u4eba\u751f\u4e2d\u5f88\u91cd\u8981\u7684\u4e00\u74b0\u3002\u5c08\u5bb6\u8868\u793a\uff0c\u5728\u7406\u8ca1\u65b9\u9762\u505a\u5f97\u8d8a\u597d\uff0c\u4f60\u5728\u672a\u4f86\u7684\u4eba\u751f\u4e2d\u5c31\u6703\u6709\u66f4\u597d\u66f4\u591a\u7684\u9078\u64c7\u3002\u5982\u4f55\u512a\u5316\u7406\u8ca1\u7b56\u7565\u53d6\u6c7a\u65bc\u5e74\u9f61\u3002 CNBC\u8ca1\u7d93\u7db2\u7ad9\u520a\u6587\uff0c\u4ecb\u7d39\u5f9e20\u6b72\u523060\u6b72\uff0c\u6bcf\u5341\u5e74\u78e8\u4e00\u528d\uff0c\u5982\u4f55\u7a4d\u7d2f\u8ca1\u5bcc\u7684\u6307\u5357\u3002 20\u6b72\u7684\u6642\u5019 \u4f4d\u65bc\u4f5b\u5dde\u5091\u514b\u905c\u7dad\u723e\u7684\u4eba\u751f\u7406\u8ca1\u8aee\u8a62\u516c\u53f8\u5275\u59cb\u4eba\u517c\u8ca1\u52d9\u898f\u5283\u7e3d\u76e3\u5361\u7f85\u7433\u2027\u9ea5\u514b\u62c9\u7d0d\u6f22\uff08Carolyn 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dhuang@elitefig.com","og:url":"https:\/\/newsforchinese.com\/v3\/2021\/11\/21\/%e9%80%80%e4%bc%91%e7%90%86%e8%b2%a15%e9%9a%8e%e6%ae%b5%ef%bc%8c20%e5%88%b060%e6%ad%b2%e5%a6%82%e4%bd%95%e7%a9%8d%e7%b4%af%e8%b2%a1%e5%af%8c%ef%bc%9f\/","og:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/07\/money-sales-tax.jpg","og:image:secure_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/07\/money-sales-tax.jpg","og:image:width":600,"og:image:height":400,"article:published_time":"2021-11-21T14:00:00+00:00","article:modified_time":"2021-11-17T04:33:16+00:00","twitter:card":"summary_large_image","twitter:title":"\u9000\u4f11\u7406\u8ca15\u968e\u6bb5\uff0c20\u523060\u6b72\u5982\u4f55\u7a4d\u7d2f\u8ca1\u5bcc\uff1f - News for Chinese \uff0d 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\u4ee5\u5f9e\u5e33\u6236\u6309\u9700\u8981\u63d0\u53d6\u8cc7\u91d1\uff0c\u6c38\u9060\u4e0d\u7528\u64d4\u5fc3\u9000\u4f11\u91d1\u82b1\u5b8c\uff01\u505a\u70ba\u5728\u4fdd\u96aa\u754c\u7e31\u6a6b\u4e86\u4e8c\u5341\u591a\u5e74\u7684\u8cc7\u6df1\u8ca1\u52d9\u9867\u554f\uff0c\u6211\u6bd4\u8f03\u4e86\u5341\u5e7e\u5bb6\u7684\u6307\u6578\u5e74\u91d1\u7522\u54c1\uff0c\u7279\u5225\u6311\u51fa\u6700\u71b1\u8ce3\u7684\u6307\u6578\u5e74\u91d1\u4ecb\u7d39\u7d66\u5927\u5bb6\uff1a 1. \u958b\u6236\u99ac\u4e0a\u670918%\u7684\u734e\u91d1\u9032\u5165\u4f60\u7684\u9000\u4f11\u6536\u5165\u8cec\u6236\uff01 2. \u7576\u80a1\u5e02\u4e0b\u8dcc\u6642\uff0c\u4f60\u7684\u8cec\u6236\u4e0d\u8dcc\uff0c\u7576\u80a1\u5e02\u4e0a\u6f32\u6642\uff0c\u4f60\u7684\u8cec\u6236\u8ddf\u8457\u6f32\u800c\u4e14\u4e0a\u6f32\u53ef\u9054\u6307\u6578\u76842.5\u500d\uff01\u8b93\u4f60\u7684\u9000\u4f11\u6f32\u6236\u57287\u5e74\u5de6\u53f3\u5c31\u7ffb\u4e00\u500d\uff01 \uff08\u8b1b\u5ea7\u6703\u8a73\u7d30\u89e3\u91cb\uff09 3. \u4f60\u96a8\u6642\u53ef\u4ee5\u958b\u59cb\u9818\u53d6\u9000\u4f11\u6536\u5165\uff0c\u7576\u4f60\u958b\u59cb\u5f8c\uff0c\u6bcf\u5e74\u4f60\u7684\u6536\u5165\u5c31\u9396\u5b9a\u4e0d\u6703\u4f4e\u65bc\u7576\u6642\u7684\u6536\u5165\uff0c\u6bcf\u5e74\u9084\u6703\u7e7c\u7e8c\u96a8\u80a1\u6307\u7684\u4e0a\u751f\u800c\u4e0a\u5347150%\uff01 4. \u4ee5\u4e00\u500b58\u6b72\u7537\u6027\u4f5c\u4f8b\u5b50\uff0c\u5982\u679c\u4ed6\u653e\u4e8c\u5341\u842c\u7f8e\u5143\u5728\u4e00\u7a2e\u6307\u6578\u5e74\u91d1\uff0c\u99ac\u4e0a\u670918%\u4e5f\u5c31\u662f1.8\u842c\u5143\u7d05\u5229\u52a0\u5165\u5230\u4ed6\u7684\u5e33\u6236\uff0c\u7136\u5f8c\u6bcf\u5e74\u4ed6\u7684\u5e33\u6236\u6301\u7e8c\u589e\u9577\uff0c\u5982\u679c\u4ed6\u7b49\u523070\u6b72\u9000\u4f11\u6642\u9818\u53d6\u7d42\u751f\u6536\u5165\u6bcf\u5e742.8\u842c\uff0c\u4ed675\u6b72\u5df2\u589e\u52a0\u5230\u6bcf\u5e743.8\u842c\uff0c\u516b\u5341\u6b72\u6bcf\u5e74\u98184.9\u842c\u7684\u9000\u4f11\u91d1\uff0c\u7d42\u751f\u4e0d\u505c\uff01\u5230\u4e5d\u5341\u591a\u6b72\u5171\u9818\u53d6\u9000\u4f11\u91d1\u4e00\u767e\u591a\u842c\uff01\u4e8c\u5341\u842c\u53ef\u63db\u4f86\u4e00\u767e\u842c\u9000\u4f11\u91d1\u3002\u6c92\u6709\u80a1\u5e02\u4e0b\u6ed1\u7684\u98a8\u96aa\uff01 5. \u5982\u679c\u5c07\u4f86\u4f60\u4e0d\u60f3\u6bcf\u5e74\u9818\u9000\u4f11\u91d1\uff0c\u800c\u662f\u60f3\u4e00\u7b46\u628a\u5e74\u91d1\u53d6\u51fa\uff0c\u4e5f\u5b8c\u5168\u53ef\u4ee5\u3002 6. \u5982\u679c\u4f60\u6709\u9577\u671f\u8b77\u7406\u7684\u9700\u6c42\uff0c\u4f60\u53ef\u4ee5\u62ff2 \u500d\u5e74\u6536\u5165\u76f4\u5230\u4f60\u4e0d\u9700\u8981\u3002 7. \u5982\u679c\u4f60\u4e2d\u9014\u53bb\u4e16\uff0c\u4f60\u7684\u53d7\u76ca\u4eba\u5c07\u6703\u5f97\u5230\u4f60\u6c92\u6709\u53d6\u5b8c\u7684\u9000\u4f11\u8cec\u6236\u50f9\u503c\u3002 \u5f9e\u4e0a\u9762\u7684\u4f8b\u5b50\u770b\u5230\uff0c\u6642\u9593\u53ef\u4ee5\u8b93\u4f60\u7684\u9000\u4f11\u91d1\u500d\u589e\uff01\u5982\u679c\u4f60\u65e9\u9ede\u958b\u59cb\u6295\u8cc7\u5728\u9019\u7a2e\u5373\u4fdd\u5e95\u53c8\u6301\u7e8c\u589e\u9577\u7684\u6307\u6578\u5e74\u91d1\uff0c\u4f60\u7684\u665a\u5e74\u5c07\u6703\u7121\u6182\uff01 \u90a3\u9ebc\u4f60\u7684401k \u548c\u5176\u5b83\u7684\u5171\u540c\u57fa\u91d1\u662f\u5426\u4e5f\u53ef\u4ee5\u8f49\u5165\u9019\u6a23\u7684\u5e74\u91d1\u6295\u8cc7\u5462\uff1f\u7b54\u6848\u662f\u80af\u5b9a\u7684\u3002\u4f60\u53ef\u4ee5\u628a\u73fe\u5728\u5404\u6563\u6771\u897f\u7684\u9000\u4f11\u91d1\u5e33\u6236\u505a\u4e00\u500b\u6574\u5408\uff0c\u628a\u5b83\u4e00\u8d77\u653e\u5165\u6307\u6578\u5e74\u91d1\u4e2d\uff0c\u8b93\u4fdd\u96aa\u516c\u53f8\u4fdd\u8b49\u4f60\u7684\u9000\u4f11\u91d1\u3002 \u9019\u5bb6\u4fdd\u96aa\u516c\u53f8\u662f\u5168\u7403\u524d\u4e94\u5927\u7684\u4fdd\u96aa\u516c\u53f8\uff0c\u8ca1\u52d9\u7a69\u5065\u70baAA \u7d1a\u7684\u516c\u53f8\uff0c\u6709\u5f88\u4e45\u7684\u6b77\u53f2\uff0c\u8b93\u4f60\u53ef\u4ee5\u653e\u5fc3\u6295\u8cc7\u800c\u4e0d\u7528\u64d4\u5fc3\u80a1\u5e02\u7684\u6ce2\u52d5\u8b93\u4f60\u7684\u9000\u4f11\u91d1\u53d7\u640d\u3002 \u8981\u4e86\u89e3\u5230\u5e95\u54ea\u4e00\u7a2e\u5e74\u91d1\u9069\u5408\u4f60\uff0c\u8acb\u4f86\u53c3\u52a0\u6211\u5011\u7684\u7db2\u4e0a\u8b1b\u5ea7\uff0c\u6211\u5011\u9084\u6703\u540c\u6642\u4ecb\u7d39\u9577\u671f\u8b77\u7406\u4fdd\u96aa\uff0c\u592b\u5a66\u53ef\u4ee5\u5169\u4eba\u5408\u4fdd\uff0c\u4fdd\u8b49\u9577\u671f\u8b77\u7406\u7d42\u751f\u7121\u4e0a\u9650\uff0c\u800c\u4e14\u5982\u679c\u7528\u4e0d\u5230\u9577\u671f\u8b77\u7406\u6703\u6709\u4eba\u58fd\u4fdd\u96aa\u7406\u8ce0\uff0c\u8b93\u4f60\u7684\u9322\u4e0d\u767d\u82b1\uff01\u9577\u671f\u8b77\u7406\u662f\u9000\u4f11\u5fc5\u9808\u505a\u597d\u898f\u5283\u7684\uff0c\u56e0\u70ba\u5728\u7f8e\u570b65\u6b72\u4ee5\u4e0a\u7684\u4eba\u670970%\u5728\u8d70\u4e4b\u524d\u8981\u7528\u5230\u9577\u671f\u8b77\u7406\uff0c\u5230\u5e95\u54ea\u7a2e\u65b9\u5f0f\u6700\u597d\u6700\u5212\u7b97\uff1f\u8acb\u53c3\u52a0\u6211\u5011\u7684\u7db2\u4e0a\u8b1b\u5ea7\u8a73\u7d30\u4e86\u89e3\uff01 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&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\/2021\/02\/%E6%96%B0%E5%B9%B4%E9%80%81%E5%A4%A7%E7%A6%AE%EF%BC%81%E5%AE%89%E8%81%AF%E5%B9%B4%E9%87%91%E9%96%8B%E6%88%B6%E9%80%8118%E7%8D%8E%E9%87%91%EF%BC%81.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":209209,"url":"https:\/\/newsforchinese.com\/v3\/2021\/10\/26\/%e5%9c%a8%e7%be%8e%e5%9c%8b%ef%bc%8c%e9%80%80%e4%bc%91%e4%b9%8b%e5%be%8c%e5%a6%82%e4%bd%95%e9%a4%8a%e8%80%81%ef%bc%9f\/","url_meta":{"origin":210279,"position":1},"title":"\u5728\u7f8e\u570b\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\uff1f","author":"Raymond","date":"October 26, 2021","format":false,"excerpt":"\u6309\u7167\u4fdd\u96aa\u516c\u53f8\u767c\u5e03\u7684\u6700\u65b0\u6578\u64da\uff0c\u5982\u4eca\u7f8e\u570b\u4eba\u4e2d\uff0c65\u6b72\u7684\u7537\u6027\u6709\u4e00\u534a\u7684\u6a5f\u7387\u80fd\u6d3b\u523085\u6b72\uff0c1\/4\u7684\u6a5f\u7387\u6d3b\u523092\u6b72\uff1b65\u6b72\u7684\u5973\u6027\u6709\u4e00\u534a\u7684\u6a5f\u7387\u80fd\u6d3b\u523088\u6b72\uff0c1\/4\u7684\u6a5f\u7387\u6d3b\u523094\u6b72\u3002 \u96a8\u8457\u4eba\u5011\u58fd\u547d\u7684\u589e\u52a0\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\u5c31\u6210\u4e86\u4eba\u5011\u5fc5\u9808\u8981\u9762\u81e8\u7684\u554f\u984c\u3002 \u5927\u5bb6\u5148\u4f86\u4e86\u89e3\u4e00\u4e0b\u7f8e\u570b\u9000\u4f11\u8a08\u5283\u7684\u4e09\u5927\u4e3b\u8981\u9ad4\u7cfb\uff1a\u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1(Social Security Tax)\uff0c\u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1(Pension Plan)\u53ca\u500b\u4eba\u9000\u4f11\u91d1\u8a08\u5283 (401k, IRA\u7b49)\u3002 01. Social Security Tax \u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1 \u9019\u9805\u9ad4\u4fc2\u662f\u7531\u806f\u90a6\u653f\u5e9c\u4e3b\u5c0e\u4e26\u5f37\u5236\u5be6\u65bd\u7684\u9000\u4f11\u91d1\u5236\u5ea6\uff0c\u6240\u6709\u516c\u53f8\u50f1\u54e1\u90fd\u9700\u5f37\u5236\u53c3\u8207\u3002\u8a08\u7b97\u65b9\u5f0f\u662f\u5c07\u7a05\u524d\u6536\u5165\u7684\u4e00\u5b9a\u6bd4\u4f8b(\u76ee\u524d\u662f6.2%)\u4ea4\u7d66\u7f8e\u570b\u653f\u5e9c\uff0c\u5728\u6bcf\u500b\u6708\u7684\u85aa\u6c34\u55ae\u4e2d\u53ef\u4ee5\u770b\u5230\u5b83\u7684\u81ea\u52d5\u6263\u9664\u3002\u5176\u4e2d\u9700\u8981\u4ea4\u7a05\u7684\u6536\u5165\u6703\u6709\u4e00\u500b\u4e0a\u9650\uff0c\u8d85\u51fa\u90e8\u5206\u5247\u7121\u9700\u7e73\u7a05\uff0c\u9019\u4e00\u4e0a\u7dda\u6703\u6839\u64da\u901a\u8ca8\u81a8\u8139\u7387\u505a\u51fa\u76f8\u61c9\u8abf\u6574\uff0c \u59822018\u5e74\u70ba$128,400\uff0c2019\u5e74\u70ba$132,900\u3002\u53c3\u8207\u7e73\u8cbb\u7684\u6c11\u773e\u5728\u7d2f\u8a08\u4ea4\u6eff40\u500b\u5b63\u5ea6(\u537310\u5e74)\u5f8c\uff0c\u5728\u9000\u4f11\u5f8c\u5c31\u53ef\u9818\u53d6\u76f8\u61c9\u7684\u9000\u4f11\u798f\u5229\u4e86\u3002 02. Pension Plan \u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1 \u9000\u4f11\u91d1\u4e0d\u9700\u8981\u516c\u53f8\u548c\u653f\u5e9c\u7684\u50f1\u54e1\u53c3\u8207\u4ea4\u9322\uff0c\u6240\u6709\u8cbb\u7528\u548c\u798f\u5229\u7531\u516c\u53f8\u548c\u653f\u5e9c\u55ae\u65b9\u9762\u8ca0\u8cac\u627f\u64d4\u548c\u7d93\u71df\u3002 03. 401k, IRA \u500b\u4eba\u9000\u4f11\u8a08\u5283 \u9700\u8981\u54e1\u5de5\u81ea\u5df1\u5b58\u9322\u9032401k\u8cec\u6236\u88e1\u9762\uff0c\u9019\u500b\u90e8\u5206\u662f\u770b\u500b\u4eba\u60f3\u8981\u5b58\u5165\u85aa\u6c34\u7684\u767e\u5206\u6bd4\u6216\u6578\u984d\uff0c\u518d\u5728\u6bcf\u6708\u7684\u85aa\u6c34\u55ae\u4e2d\u6263\u9664\u7684\u3002\u76f8\u7576\u591a\u7684\u516c\u53f8\u4ee5401k match\u70ba\u798f\u5229\u5e6b\u52a9\u54e1\u5de5\u5b58\u9322\uff0c\u610f\u601d\u662f\u54e1\u5de5\u5b58\u5165\u4e00\u7b46\u9322\u9032\u81ea\u5df1\u7684401k\u8cec\u6236\uff0c\u516c\u53f8\u5b58\u5165\u76f8\u540c\u6578\u984d\u6216\u540c\u6a23\u6bd4\u4f8b\u7684\u9322\u3002\u4f8b\u5982\u54e1\u5de5\u6bcf\u6708\u85aa\u6c34$3000, \u8a08\u5283\u5b583%\u5230401K\uff08\u4e5f\u5c31\u662f$90\uff09\uff0c\u516c\u53f8\u4e5f\u5c31\u6703\u5e6b\u4f60\u5b583%\u53bbmatch\u4f60\u7684\u984d\u5ea6\u3002 \u53e6\u4e00\u500bIRA\uff0c\u53c8\u53ebIndividual Retirement Account\uff0c\u662f\u53e6\u4e00\u7a2e\u7f8e\u570b\u4eba\u7ba1\u7406\u9000\u4f11\u91d1\u7684\u5e38\u7528\u5e33\u6236\u985e\u5225\u3002\u9019\u662f\u7531\u500b\u4eba\u8ca0\u8cac\uff0c\u81ea\u9858\u53c3\u52a0\u7684\u500b\u4eba\u5132\u84c4\u990a\u8001\u4fdd\u96aa\u5236\u5ea6\u3002 \u27a4401K\u8207IRA\u53c8\u5404\u81ea\u5206\u70ba\u50b3\u7d71\u578b\u548c\u7f85\u65af\u578b \u25cf\u50b3\u7d71\u578bTraditional\uff1a\u5148\u5b58\u9322\uff0c\u5b58\u5165\u7684\u9322\u53ef\u4ee5\u62b5\u7576\u5e74\u500b\u4eba\u6240\u5f97\u7a05 (Pre-Tax)\uff0c\u672a\u4f86\u63d0\u53d6\u6642\u518d\u7e73\u4ea4\u500b\u4eba\u6240\u5f97\u7a05\uff0c\u53ef\u4ee5\u4eab\u6709\u5ef6\u9072\u7d0d\u7a05Tax Deferral\u7684\u597d\u8655\u3002 \u25cf\u7f85\u65af\u578bRoth\uff1a\u9700\u5148\u7e73\u4ea4\u500b\u4eba\u6240\u5f97\u7a05\u624d\u80fd\u5b58\u5165\uff0c\u5b58\u5165\u7684\u9322\u4e0d\u80fd\u62b5\u7576\u5e74\u500b\u4eba\u6240\u5f97\u7a05 (After-TAX)\uff0c\u53d6\u51fa\u6642\u7121\u9808\u518d\u4ea4\u7a05\u3002 401K\u3001Roth 401K \u3001IRA\u3001Roth IRA \u7684\u6bd4\u8f03\u3002 410K\u548cIRA\u90fd\u6709\u5404\u81ea\u7684\u7279\u9ede\u548c\u4e00\u5b9a\u7a05\u4e0a\u7684\u597d\u8655\uff0c\u4f46\u662f410K\u548cIRA\u90fd\u662f\u901a\u904e\u7279\u5b9a\u7684\u91d1\u878d\u6a5f\u69cb\u4f86\u7ba1\u7406 (401K \u7531\u96c7\u4e3b\u6311\u9078\uff0cIRA\u7531\u54e1\u5de5\u81ea\u5df1\u6311\u9078)\u3002\u6bcf\u500b\u6708\u5c07\u9322\u5b58\u5165\u9000\u4f11\u8cec\u6236\u5f8c\uff0c\u50f1\u54e1\u53ef\u81ea\u4e3b\u9078\u64c7\u6295\u8cc7\u5e02\u5834\u8207\u7522\u54c1\u7d44\u5408\uff0c\u4e26\u81ea\u884c\u627f\u64d4\u6295\u8cc7\u98a8\u96aa\u76c8\u8667\u3002\u7d93\u6fdf\u597d\u7684\u6642\u5019\u9000\u4f11\u8cec\u6236\u88e1\u7684\u56de\u5831\u8c50\u539a\uff0c\u4f46\u662f\u7d93\u6fdf\u4e0d\u597d\u5e02\u5834\u4e0b\u8dcc\u6642\u5247\u5f88\u6709\u53ef\u80fd\u640d\u5931\u6158\u91cd\u3002\u4e26\u4e14410k\u548cIRA\u8cec\u6236\u88e1\u7684\u9322\u4e26\u4e0d\u80fd\u4fdd\u8b49\u81ea\u5df1\u9000\u4f11\u4e4b\u5f8c\u53ef\u4ee5\u9818\u53d6\u4e00\u8f29\u5b50\u3002 \u5e74\u91d1 \u5982\u679c\u80fd\u6709\u4e00\u7a2e\u9000\u4f11\u8a08\u5283\u7522\u54c1\u80fd\u4fdd\u8b49\u5728\u9000\u4f11\u4e4b\u5f8c\uff0c\u7121\u8ad6\u5e02\u5834\u60c5\u6cc1\u5982\u4f55\uff0c\u6bcf\u5e74\u90fd\u53ef\u4ee5\u56fa\u5b9a\u9818\u53d6\u81f3\u5c11\u4e00\u5b9a\u91d1\u984d\u7684\u990a\u8001\u91d1\uff0c\u671f\u9650\u662f\u4e00\u8f29\u5b50\u90a3\u8a72\u591a\u597d\uff01\u5982\u679c\u5728\u81ea\u5df1\u53bb\u4e16\u4e4b\u524d\u9084\u6c92\u6709\u9818\u5b8c\u7684\u8a71\uff0c\u9084\u53ef\u4ee5\u628a\u5269\u4e0b\u7684\u9322\u50b3\u627f\u7d66\u81ea\u5df1\u7684\u5bb6\u4eba\uff0c\u8c48\u4e0d\u662f\u66f4\u597d\uff1f\u9019\u6642\uff0c\u4fdd\u96aa\u516c\u53f8\u7684\u5e74\u91d1\u5c31\u6d3e\u4e0a\u4e86\u7528\u5834\u3002 \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\u2026","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\/2016\/04\/retirement-money.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":12251,"url":"https:\/\/newsforchinese.com\/v3\/2011\/03\/25\/credits-pay-tax-time\/","url_meta":{"origin":210279,"position":2},"title":"\u7d0d\u7a05\u7684\u56db\u500b\u6e1b\u514d","author":"Raymond","date":"March 25, 2011","format":false,"excerpt":"\u9000\u4f11\u5132\u84c4\u4f9b\u6b3e\u6e1b\u514d\u53c8\u7a31\u5132\u84c4\u8005\u6e1b\u514d\uff0c\u65e8\u5728\u5e6b\u52a9\u4e2d\u4f4e\u6536\u5165\u5de5\u4eba\u70ba\u9000\u4f11\u5b58\u9322\u3002\u5982\u679c\u4f60\u7684\u6536\u5165\u4f4e\u65bc\u67d0\u500b\u754c\u9650\uff0c\u4e26\u4e14\u4f60\u5411\u4e00\u500bIRA\u8cec\u6236\u6216\u5de5\u4f5c\u9000\u4f11\u8a08\u5283\u4f9b\u6b3e\uff0c\u6bd4\u5982\u4e00\u500b401\uff08K\uff09\u8a08\u5283\uff0c\u90a3\u9ebc\u4f60\u5c31\u6709\u8cc7\u683c\u3002\u5132\u84c4\u8005\u6e1b\u514d\u53ef\u4ee5\u548c\u5176\u4ed6\u4efb\u4f55\u7d0d\u7a05\u7bc0\u7d04\u65b9\u6cd5\u4e00\u8d77\u4f7f\u7528\u3002","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www-gm-opensocial.googleusercontent.com\/gadgets\/proxy\/refresh%3D3600%26container%3Dgm%26gadget%3Dhttp%3A%2F%2Fwww.google.com%2Fig%2Fmodules%2Fgm%2Fyoutube%2Fcard-youtube.xml\/http%3A\/\/i.ytimg.com\/vi\/9vh9JcMXMr0\/default.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":228763,"url":"https:\/\/newsforchinese.com\/v3\/2022\/11\/06\/2023%e5%b9%b4401k%e9%99%90%e9%a1%8d%e5%a2%9e%e8%87%b322500%e7%be%8e\/","url_meta":{"origin":210279,"position":3},"title":"2023\u5e74401(k)\u9650\u984d\u589e\u81f322,500\u7f8e\u5143","author":"Raymond","date":"November 6, 2022","format":false,"excerpt":"2023\u5e74401(k)\u9650\u984d\u589e\u81f322,500\u7f8e\u5143\uff0c\u500b\u4eba\u9000\u4f11\u8cec\u6236\u9650\u984d\u589e\u81f36,500\u7f8e\u5143\u3002 \u7f8e\u570b\u570b\u7a05\u5c40\u5ba3\u5e03\uff0c\u500b\u4eba\u53ef\u4ee5\u57282023\u5e74\u70ba\u5176 401(k)\u8a08\u5283\u4f9b\u6b3e\u7684\u984d\u5ea6\u5df2\u5f9e2022\u5e74\u768420,500\u7f8e\u5143\u589e\u52a0\u523022,500\u7f8e\u5143\u3002\u570b\u7a05\u5c40\u9084\u5728IRS.gov\u4e0a\u7684\u7b2c2022-55\u865f\u901a\u77e5\u4e2d\u767c\u5e03\u4e86\u5f71\u97ff\u7f8e\u5143\u9650\u5236\u7684\u6240\u6709\u751f\u6d3b\u6210\u672c\u8abf\u6574\u7684\u6280\u8853\u6307\u5357\uff0c\u53ef\u7528\u65bc2023\u7d0d\u7a05\u5e74\u5ea6\u7684\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u3002 2023\u5e74\u7684\u8b8a\u5316\u4eae\u9ede \u53c3\u52a0401(k)\u3001403(b)\u3001\u5927\u591a\u6578457\u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684\u54e1\u5de5\u4f9b\u6b3e\u9650\u984d\u5f9e20,500\u7f8e\u5143\u589e\u52a0\u523022,500\u7f8e\u5143\u3002 \u500b\u4eba\u9000\u4f11\u8cec\u6236 (IRA) \u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5f9e6,000\u7f8e\u5143\u589e\u52a0\u52306,500\u7f8e\u5143\u3002 50\u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684IRA\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u8cbb\u7528\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4ecd\u70ba1,000\u7f8e\u5143\u3002 \u53c3\u8207401(k)\u3001403(b)\u3001\u5927\u591a\u6578457\u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u768450\u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5f9e6,500\u7f8e\u5143\u589e\u52a0\u52307,500\u7f8e\u5143\u3002\u56e0\u6b64\uff0c\u5f9e2023\u5e74\u958b\u59cb\uff0c50\u6b72\u53ca\u4ee5\u4e0a\u7684401(k)\u3001403(b)\u3001\u5927\u591a\u6578457\u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684\u53c3\u8207\u8005\u6700\u591a\u53ef\u4ee5\u4f9b\u6b3e30,000\u7f8e\u5143\u3002 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\u5982\u679c\u7d0d\u7a05\u4eba\u6eff\u8db3\u67d0\u4e9b\u689d\u4ef6\uff0c\u53ef\u4ee5\u5c0d\u50b3\u7d71IRA\u7684\u4f9b\u6b3e\u9032\u884c\u6263\u9664\u3002\u5982\u679c\u7d0d\u7a05\u4eba\u6216\u7d0d\u7a05\u4eba\u7684\u914d\u5076\u5728\u8a72\u5e74\u5167\u6709\u52a0\u5165\u5de5\u4f5c\u4e2d\u7684\u9000\u4f11\u8a08\u5283\uff0c\u5247\u6839\u64da\u5831\u7a05\u8eab\u4efd\u548c\u6536\u5165\uff0c\u6263\u9664\u984d\u53ef\u80fd\u6703\u6e1b\u5c11\u6216\u9010\u6b65\u64a4\u92b7\uff0c\u76f4\u81f3\u53d6\u6d88\u3002 \uff08\u5982\u679c\u7d0d\u7a05\u4eba\u548c\u914d\u5076\u5747\u672a\u5728\u5de5\u4f5c\u4e2d\u52a0\u5165\u9000\u4f11\u8a08\u5283\uff0c\u5247\u9010\u6b65\u64a4\u92b7\u6263\u9664\u984d\u4e0d\u9069\u7528\u3002\uff09\u4ee5\u4e0b\u70ba2023\u5e74\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\uff1a \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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