{"id":211479,"date":"2021-12-08T10:35:39","date_gmt":"2021-12-08T18:35:39","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=211479"},"modified":"2021-12-08T10:35:42","modified_gmt":"2021-12-08T18:35:42","slug":"%e5%a4%9a%e6%95%b8%e9%80%80%e4%bc%91%e4%ba%ba%e5%93%a1%e9%a0%88%e5%9c%a8-12-%e6%9c%88-31%e6%97%a5%e5%89%8d%e9%a0%98%e9%a1%8d","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2021\/12\/08\/%e5%a4%9a%e6%95%b8%e9%80%80%e4%bc%91%e4%ba%ba%e5%93%a1%e9%a0%88%e5%9c%a8-12-%e6%9c%88-31%e6%97%a5%e5%89%8d%e9%a0%98%e9%a1%8d\/","title":{"rendered":"\u591a\u6578\u9000\u4f11\u4eba\u54e1\u9808\u5728 12 \u6708 31\u65e5\u524d\u9818\u984d"},"content":{"rendered":"\n<p><strong>\u5927\u591a\u6578\u9000\u4f11\u4eba\u54e1\u5fc5\u9808\u5728 12 \u6708 31 \u65e5\u4e4b\u524d\u9818\u53d6\u898f\u5b9a\u6700\u4f4e\u63d0\u9818\u984d<\/strong>\u3002\u7f8e\u570b\u570b\u7a05\u5c40\u4eca\u5929\u63d0\u9192\u9000\u4f11\u8a08\u5283\u53c3\u8207\u8005\u548c\u500b\u4eba\u9000\u4f11\u91d1\u5e33\u6236\u6240\u6709\u8005\uff0c\u901a\u5e38\u5fc5\u9808\u5728 12 \u6708 31 \u65e5\u4e4b\u524d\u9818\u53d6\u898f\u5b9a\u6700\u4f4e\u63d0\u9818\u984d\uff08\u82f1\u6587\uff09\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u898f\u5b9a\u6700\u4f4e\u63d0\u9818\u984d (RMD) \u901a\u5e38\u662f\u6307\u9000\u4f11\u8a08\u5283\u8cec\u6236\u6240\u6709\u8005\uff0c\u5f9e\u4ed6\u5011\u5e74\u6eff 72 \u6b72\u7684\u90a3\u4e00\u5e74\u958b\u59cb\uff0c\u6bcf\u5e74\u5fc5\u9808\u63d0\u53d6\u7684\u6700\u4f4e\u91d1\u984d\uff0c\u5982\u679c\u9000\u4f11\u6642\u9593\u665a\u65bc72\u6b72\uff0c\u5247\u662f\u4ed6\u5011\u9000\u4f11\u7684\u90a3\u4e00\u5e74\u958b\u59cb\u5fc5\u9808\u63d0\u53d6\u3002\u4f46\u662f\uff0c\u5982\u679c\u9000\u4f11\u8a08\u5283\u5e33\u6236\u662f IRA \u3001\u6216\u5e33\u6236\u6301\u6709\u8005\u5728\u8a72\u9000\u4f11\u8a08\u5283\u767c\u8d77\u4f01\u696d\u4f54\u6709 5% \u4ee5\u4e0a\u80a1\u4efd\uff0c\u5247 RMD \u5fc5\u9808\u5728\u5e33\u6236\u6301\u6709\u4eba\u5e74\u6eff72 \u6b72\u5f8c\u958b\u59cb\uff0c\u7121\u8ad6\u4ed6\u5011\u7576\u6642\u662f\u5426\u9084\u5728\u5de5\u4f5c\u3002\u672a\u53ca\u6642\u5f9e\u8cec\u6236\u4e2d\u63d0\u53d6\u7684 RMD \u91d1\u984d\uff0c\u53ef\u80fd\u6703\u906d\u53d7\u7f70\u6b3e\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"341\" data-attachment-id=\"211480\" data-permalink=\"https:\/\/newsforchinese.com\/v3\/2021\/12\/08\/%e5%a4%9a%e6%95%b8%e9%80%80%e4%bc%91%e4%ba%ba%e5%93%a1%e9%a0%88%e5%9c%a8-12-%e6%9c%88-31%e6%97%a5%e5%89%8d%e9%a0%98%e9%a1%8d\/retirement-2\/\" data-orig-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/12\/retirement.jpg\" data-orig-size=\"500,341\" data-comments-opened=\"1\" 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\/12\/retirement.jpg\" src=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/12\/retirement.jpg\" alt=\"\" class=\"wp-image-211480\" srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/12\/retirement.jpg 500w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/12\/retirement-300x205.jpg 300w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n\n\n\n<p>\u5728 2019 \u5e74\u5e74\u6eff70 \u00bd \u6b72\uff0870 \u6b72\u751f\u65e5\u70ba 2019 \u5e74 6 \u6708 30 \u65e5\u6216\u66f4\u65e9\uff09\u7684\u500b\u4eba\u6c92\u6709 2020 \u5e74\u5230\u671f\u7684 RMD\uff0c\u4f46\u5fc5\u9808\u5728 2021 \u5e74 12 \u6708 31 \u65e5\u4e4b\u524d\u9818\u53d6\u3002<\/p>\n\n\n\n<p>\u5230 2021 \u5e74\u5e74\u6eff 72 \u6b72\uff08\u4e14\u5176 70 \u6b72\u751f\u65e5\u662f 2019 \u5e74 7 \u6708 1 \u65e5\u6216\u4e4b\u5f8c\uff09\u7684\u500b\u4eba\u5c07\u5728 2022 \u5e74 4 \u6708 1 \u65e5\u4e4b\u524d\u9818\u53d6\u9996\u4efd RMD\u3002<\/p>\n\n\n\n<p>\u6240\u9700\u7684\u5206\u914d\u898f\u5247\u9069\u7528\u65bc\uff1a<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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2009\u5e74\u7684\u5831\u7a05\u5b63\u7bc0\u5373\u5c07\u5230\u671f\uff0c\u8a31\u591a\u6d88\u8cbb\u8005\u90fd\u6025\u8457\u5728\u56db\u6708\u5341\u4e94\u65e5\u622a\u6b62\u65e5\u524d\u5b8c\u6210\u5831\u7a05\u7684\u5de5\u4f5c\u3002\u5c31\u5728\u6d88\u8cbb\u8005\u914d\u5408\u5c08\u696d\u5831\u7a05\u4eba\u54e1\u5171\u540c\u5b8c\u6210\u5831\u7a05\u5de5\u4f5c\u7684\u540c\u6642\uff0c\u5728\u63d0\u4f9b\u4fdd\u96aa\u53ca\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u9818\u5148\u5168\u570b\u7684\u5927\u90fd\u6703\u4eba\u58fd\u9858\u85c9\u6b64\u6a5f\u6703\u9f13\u52f5\u6d88\u8cbb\u8005\u5c0d\u8a72\u516c\u53f8\u900f\u904e\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Individual Retirement Account\uff0cIRA\uff09\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u53ca\u7bc0\u7a05\u6548\u76ca\u8a73\u52a0\u8003\u616e\u3002 \u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09\u662f\u5927\u90fd\u6703\u63d0\u4f9b\u7d66\u5ba2\u6236\u7684\u773e\u591a\u9078\u64c7\u4e4b\u4e00\uff0c\u53ef\u4ee5\u5354\u52a9\u5ba2\u6236\u898f\u5283\u9000\u4f11\u751f\u6d3b\u4e26\u5efa\u7acb\u500b\u4eba\u5b89\u5168\u7db2\u3002\u4ee5\u4e0b\u662f\u63d0\u4f9b\u7d66\u6d88\u8cbb\u8005\u53c3\u8003\u7684\u5404\u7a2e\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6458\u8981\u8aaa\u660e\uff1a \u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Traditonal IRA\uff09\u63d0\u4f9b\u7bc0\u7a05\u6548\u76ca\u8207\u6295\u8cc7\u798f\u5229\u7684\u5f48\u6027\u3002\u4fdd\u55ae\u6301\u6709\u4eba\u53ef\u4ee5\u6839\u64da\u672c\u8eab\u7684\u7406\u8ca1\u76ee\u6a19\u3001\u6642\u9593\u9650\u5236\u53ca\u5c0d\u98a8\u96aa\u7684\u627f\u53d7\u80fd\u529b\u4f86\u5728\u773e\u591a\u6295\u8cc7\u9078\u9805\u4e2d\u6c7a\u5b9a\u8cc7\u7522\u5206\u914d\u6bd4\u91cd\u3002\u6295\u8cc7\u7684\u6536\u76ca\u53ef\u4ee5\u7de9\u7a05\uff0c\u6301\u6709\u4eba\u76f4\u5230\u63d0\u9818\u8cc7\u91d1\u6642\u624d\u5fc5\u9808\u7d0d\u7a05\u3002\u8a31\u591a\u4eba\u5b58\u5165\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u9084\u53ef\u4ee5\u62b5\u7a05\u3002\u62b5\u7a05\u8207\u5426\u53d6\u6c7a\u65bc\u6301\u6709\u4eba\u6216\u5176\u914d\u5076\u662f\u5426\u70ba\u7531\u516c\u53f8\u8d0a\u52a9\u4e4b\u9000\u4f11\u8a08\u5283\u7684\u7a4d\u6975\u53c3\u8207\u8005\uff0c\u53ca\u5176\u8a72\u5e74\u5ea6\u7d93\u8abf\u6574\u4e4b\u6bdb\u6536\u5165\uff08Modified Adjusted Gross Income\uff09\u548c\u5831\u7a05\u8cc7\u683c\u800c\u5b9a\u3002\u5f9e\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u63d0\u9818\u61c9\u7d0d\u7a05\u4e4b\u91d1\u984d\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u5982\u679c\u5728\u5e74\u6eff59\u6b72\u534a\u4e4b\u524d\u63d0\u9818\uff0c\u9084\u53ef\u80fd\u9700\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Roth IRA\uff09\u5c31\u548c\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e00\u6a23\uff0c\u63d0\u4f9b\u60a8\u53ef\u4ee5\u7de9\u7a05\u7684\u8cc7\u91d1\u7d2f\u7a4d\u3002\u4f46\u662f\u8207\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e0d\u540c\u7684\u662f\uff0cRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6301\u6709\u4eba\u5728\u958b\u6236\u5f8c\u6eff\u4e94\u5e74\uff0c\u4e26\u7b26\u5408\u4e00\u7a2e\u5176\u4ed6\u689d\u4ef6\u898f\u5b9a\uff08\u4f8b\u5982\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\uff09\u6642\uff0c\u5c31\u53ef\u4ee5\u4eab\u6709\u5728\u7b26\u5408\u689d\u4ef6\u4e0b\u6536\u76ca\u514d\u7a05\u7684\u5f85\u9047\u3002\u4f46\u662f\u5b58\u5165Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u4e0d\u80fd\u62b5\u7a05\uff0c\u800c\u4e14\u7d93\u8abf\u6574\u7684\u6bdb\u6536\u5165\u5fc5\u9808\u5728\u4e00\u5b9a\u6a19\u6e96\u4ee5\u4e0b\u624d\u80fd\u7b26\u5408\u958b\u7acbRoth \u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u683c\u3002\u5728\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\u4e4b\u524d\u5f9eRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u6b3e\uff0c\u901a\u5e38\u5fc5\u9808\u4f9d\u7167\u4e00\u822c\u500b\u4eba\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u4e5f\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u30022010\u5e74\u67d0\u4e9b\u7279\u5225\u7d0d\u7a05\u689d\u6b3e\u53ef\u80fd\u4ee4Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5c0d\u67d0\u4e9b\u5b58\u6236\u66f4\u5177\u5438\u5f15\u529b\u3002 \u914d\u5076\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Spousal IRA\uff09\u5141\u8a31\u7121\u6536\u5165\u6216\u6536\u5165\u975e\u5e38\u6709\u9650\u7684\u914d\u5076\u64c1\u6709\u500b\u4eba\u9000\u4f11\u5e33\u6236\u3002\u914d\u5076\u9000\u4f11\u5e33\u6236\u5141\u8a31\u592b\u59bb\u5171\u540c\u958b\u8a2d\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236 \u2013 \u4e00\u4eba\u4e00\u500b \u2013 \u800c\u6bcf\u4e00\u500b\u90fd\u4ee5\u500b\u4eba\u55ae\u7368\u4e0a\u9650\u70ba\u6e96\u3002\u4f46\u662f\u592b\u59bb\u7684\u5171\u540c\u6536\u5165\u6700\u5c11\u5fc5\u9808\u8207\u5b58\u5165\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u7e3d\u91d1\u984d\u76f8\u540c\uff0c\u540c\u6642\u592b\u59bb\u5728\u5b58\u5165\u91d1\u984d\u7684\u7576\u5e74\u5fc5\u9808\u4ee5\u5171\u540c\u540d\u7fa9\u5831\u7a05\u3002 \u8f49\u79fb\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Rollover IRA\uff09\u5141\u8a31\u4fdd\u55ae\u6301\u6709\u4eba\u5728\u8f49\u63db\u5de5\u4f5c\u6216\u9000\u4f11\u6642\u5c07\u96c7\u4e3b\u63d0\u4f9b\u7684\u9000\u4f11\u8a08\u5283\u8f49\u79fb\u5230\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u3002\u9019\u6a23\u505a\u4ee4\u4fdd\u55ae\u6301\u6709\u4eba\u5f97\u4ee5\u7e7c\u7e8c\u4eab\u53d7\u9000\u4f11\u8cc7\u91d1\u7de9\u7a05\u7684\u597d\u8655\uff0c\u76f4\u5230\u5fc5\u9808\u63d0\u9818\u6642\u70ba\u6b62\u3002\u91cd\u8981\u7684\u662f\u5728\u8f49\u79fb\u8cc7\u91d1\u6642\uff0c\u52d9\u5fc5\u9075\u7167\u8f49\u79fb\u8cc7\u91d1\u7684\u6709\u95dc\u898f\u5b9a\u624d\u80fd\u4fdd\u969c\u7de9\u7a05\u548c\u5176\u4ed6\u597d\u8655\u3002 \u5ef6\u4f38\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Stretch IRA\uff09\u662f\u5728\u6301\u6709\u4eba\u4e0d\u518d\u9700\u8981\u8cc7\u91d1\u4f86\u6eff\u8db3\u9000\u4f11\u751f\u6d3b\u7684\u9700\u6c42\u6642\uff0c\u5c07\u66f4\u591a\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u8cc7\u91d1\u8f49\u8b93\u7d66\u5fc3\u611b\u7684\u4eba\u7684\u65b9\u6cd5\u3002\u5982\u679c\u5e33\u6236\u6301\u6709\u4eba\u7d42\u5176\u4e00\u751f\u53ea\u63d0\u9818\u898f\u5b9a\u7684\u6700\u4f4e\u6536\u76ca\uff0c\u8a72\u5e33\u6236\u4e4b\u6536\u76ca\u5c31\u6709\u53ef\u80fd\u5728\u6301\u6709\u4eba\u81e8\u7d42\u6642\u6210\u9577\u5230\u5176\u4e00\u751f\u4e2d\u7684\u6700\u9ad8\u9ede\uff0c\u56e0\u6b64\u6709\u6a5f\u6703\u7559\u7d66\u53d7\u76ca\u4eba\u4e00\u7b46\u7de9\u7a05\u7684\u907a\u7522\u3002 \u6559\u80b2\u9000\u4f11\u5e33\u6236\uff08Education IRA\uff09\u6216\u7a31 Coverdell\u6559\u80b2\u5132\u84c4\u5e33\u6236\uff08Coverdell Education Savings Account\uff09\u53ef\u4ee5\u4f7f\u7528\u7e73\u7a05\u5f8c\u7684\u9918\u6b3e\u70ba\u4e0d\u6eff\u5341\u516b\u6b72\u6216\u6709\u7279\u6b8a\u9700\u8981\u7684\u53d7\u76ca\u4eba\u958b\u8a2d\u5132\u84c4\u5e33\u6236\uff0c\u4f46\u662f\u5b58\u6b3e\u91d1\u984d\u5fc5\u9808\u7b26\u5408\u67d0\u4e9b\u6536\u5165\u9650\u5236\u3002\u9019\u7a2e\u5e33\u6236\u7684\u6536\u76ca\uff08\u4f8b\u5982\u5229\u606f\u3001\u80a1\u5229\u3001\u51fa\u552e\u80a1\u7968\u6240\u5f97\u7b49\uff09\u4e0d\u9700\u7e73\u7d0d\u73fe\u884c\u806f\u90a6\u6240\u5f97\u7a05\u3002\u4e00\u822c\u800c\u8a00\uff0c\u7576\u6536\u76ca\u91d1\u984d\u672a\u8d85\u904e\u53d7\u76ca\u4eba\u7576\u5e74\u7d93\u8abf\u6574\u4e26\u5408\u4e4e\u898f\u5b9a\u7684\u6559\u80b2\u8cbb\u7528\u6642\uff08\u4f8b\u5982\u5c0f\u5b78\u3001\u4e2d\u5b78\u3001\u53ca\u5927\u5b78\u7684\u8cbb\u7528\uff0c\u5982\u5b78\u8cbb\u3001\u96dc\u8cbb\u3001\u66f8\u7c4d\u8cbb\u6216\u81b3\u5bbf\u8cbb\uff09\uff0c\u4e5f\u4e0d\u5fc5\u7e73\u7d0d\u806f\u90a6\u6240\u5f97\u7a05\u3002\u7576\u6536\u76ca\u6c92\u6709\u7528\u4f86\u652f\u4ed8\u5408\u4e4e\u898f\u5b9a\u4e4b\u6559\u80b2\u8cbb\u7528\u6642\uff0c\u7372\u5229\u90e8\u4efd\u901a\u5e38\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u540c\u6642\u7372\u5229\u90e8\u4efd\u9084\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 \u4ee5\u500b\u4eba\u9000\u4f11\u5e33\u6236\u70ba\u4f9d\u64da\u7684\u9000\u4f11\u8a08\u5283 \uff08IRA-Based Retirement Plans\uff09\u3002\u9664\u4e86\u500b\u4eba\u81ea\u884c\u8a2d\u7acb\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5916\uff0c\u67d0\u4e9b\u96c7\u4e3b\u6703\u70ba\u54e1\u5de5\u8a2d\u7acb\u4ee5\u500b\u4eba\u9000\u4f11\u5e33\u6236\u70ba\u4f9d\u64da\u7684\u9000\u4f11\u8a08\u5283\uff08\u4f8b\u5982SIMPLE\u53caSEP\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff09\u3002\u96c7\u4e3b\u5b58\u5165\u9019\u4e9b\u8a08\u5283\u7684\u6b3e\u9805\u6703\u9032\u4e00\u6b65\u5145\u5be6\u60a8\u7684\u9000\u4f11\u5132\u84c4\u3002 \u5982\u679c\u60a8\u60f3\u9032\u4e00\u6b65\u4e86\u89e3\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5982\u4f55\u5354\u52a9\u60a8\u5efa\u7acb\u5b89\u7a69\u7684\u8ca1\u52d9\u672a\u4f86\uff0c\u6216\u662f\u8981\u5c0b\u627e\u60a8\u7576\u5730\u7684\u5927\u90fd\u6703\u4ee3\u8868\uff0c\u8acb\u4f86\u96fb1-888-233-3138\u6216\u767b\u5165www.metlife.com\u3002 ## MetLife\u7c21\u4ecb MetLife, Inc.\u662f\u5728\u5168\u7f8e\u5404\u5730\u3001\u62c9\u4e01\u7f8e\u6d32\u3001\u6b50\u6d32\u8207\u4e9e\u592a\u5730\u5340\u71df\u904b\uff0c\u5728\u63d0\u4f9b\u5e74\u91d1\u3001\u54e1\u5de5\u798f\u5229\u3001\u4fdd\u96aa\u8207\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u5c45\u9818\u5c0e\u5730\u4f4d\u7684\u516c\u53f8\u3002MetLife, 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9, 2023","format":false,"excerpt":"\u96a8\u8457 2023 \u5e74\u7684\u5230\u4f86\uff0c\u7f8e\u570b\u7684\u7a05\u6cd5\u653f\u7b56\u4e5f\u8fce\u4f86\u4e86\u4e00\u7cfb\u5217\u7684\u8b8a\u5316\u3002\u4e3b\u8981\u5305\u542b\u4e86\u56db\u500b\u91cd\u8981\u90e8\u5206\uff1a\u51ac\u5b63\u98a8\u66b4\u6240\u53d7\u5f71\u97ff\u5dde\u7684\u81ea\u52d5\u5ef6\u671f\u5831\u7a05\u30012022 \u5e74\u964d\u4f4e\u901a\u8ca8\u81a8\u8139\u6cd5\u6848\u8981\u9ede\u3001\u6cd5\u6848\u201cSecure Act 2.0\u201d\u4e2d\u5c0d\u9000\u4f11\u91d1\u5e33\u6236\u7684\u8b8a\u66f4\uff0c\u4ee5\u53ca 2023 \u5e74\u5ea6\u91cd\u8981\u7a05\u6cd5\u65b0\u898f\u3002\u5728\u4e0b\u9762\u7684\u6587\u7ae0\u4e2d\uff0c\u6211\u5c07\u70ba\u60a8\u89e3\u6790\u9019\u4e9b\u90e8\u5206\u7684\u5167\u5bb9\u3002 \u51ac\u5b63\u98a8\u66b4\u53d7\u5f71\u97ff\u7684\u7e23\uff0c\u6240\u5f97\u7a05\u7533\u5831\u81ea\u52d5\u5ef6\u9577\u81f3 10\/16\/20232023 \u5e74 2 \u6708 24 \u65e5\uff0c\u7f8e\u570b\u570b\u7a05\u5c40\uff08IRS\uff09\u5ba3\u4f48\u4e86\u4e00\u9805\u95dc\u65bc\u52a0\u5229\u798f\u5c3c\u4e9e\u5dde\u3001\u963f\u62c9\u5df4\u99ac\u5dde\u548c\u55ac\u6cbb\u4e9e\u5dde\u90e8\u5206\u5730\u5340\u5c45\u6c11\u548c\u4f01\u696d\u7684\u91cd\u8981\u7a05\u52d9\u66f4\u65b0\u3002\u7531\u65bc\u9019\u4e9b\u5730\u5340\u5728 2022 \u5e74\u51ac\u5b63\u906d\u53d7\u4e86\u56b4\u91cd\u7684\u98a8\u66b4\u5f71\u97ff\uff0cIRS \u6c7a\u5b9a\u5ef6\u9577\u5176\u7533\u5831\u548c\u7e73\u7a05\u671f\u9650\uff0c\u4ee5\u5e6b\u52a9\u53d7\u707d\u4eba\u54e1\u6709\u8db3\u5920\u7684\u6642\u9593\u4f86\u8655\u7406\u4ed6\u5011\u7684\u7a05\u52d9\u4e8b\u52d9\u3002 \u6839\u64da IRS \u7684\u516c\u544a\uff0c\u7b26\u5408\u689d\u4ef6\u7684\u7d0d\u7a05\u4eba\u73fe\u5728\u53ef\u4ee5\u5c07\u500b\u4eba\u6240\u5f97\u7a05\u7533\u5831\u671f\u9650\u5f9e\u539f\u5b9a\u7684 4 \u6708 18 \u65e5\u5ef6\u9577\u81f310 \u6708 16 \u65e5\u3002\u6b64\u5916\uff0c\u5404\u7a2e\u4f01\u696d\u7533\u5831\u671f\u9650\u5f9e\u539f\u5b9a\u7684 3 \u6708 15 \u65e5\u548c 4 \u6708 18 \u65e5\u5ef6\u9577\u81f3 10 \u6708 16 \u65e5\uff0c\u975e\u76c8\u5229\u7d44\u7e54\u7533\u5831\u671f\u9650\u5f9e\u539f\u5b9a\u7684 5 \u6708 15 \u65e5\u5ef6\u9577\u81f3 10 \u6708 16 \u65e5\u3002\u9019\u610f\u5473\u8457\u53d7\u707d\u5730\u5340\u7684\u5c45\u6c11\u548c\u4f01\u696d\u5c07\u6709\u66f4\u591a\u7684\u6642\u9593\u4f86\u6e96\u5099\u548c\u63d0\u4ea4\u4ed6\u5011\u7684\u7a05\u52d9\u7533\u5831\uff0c\u4e26\u907f\u514d\u53ef\u80fd\u7684\u6eef\u7d0d\u91d1\u548c\u5229\u606f\u3002 \u6b64\u5916\uff0c\u7b26\u5408\u689d\u4ef6\u7684\u7d0d\u7a05\u4eba\u9084\u53ef\u4ee5\u5728 10\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\/2023\/04\/dreamstime_xxl_139966991-scaled-1.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/04\/dreamstime_xxl_139966991-scaled-1.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/04\/dreamstime_xxl_139966991-scaled-1.jpg?resize=525%2C300&ssl=1 1.5x"},"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":211479,"position":4},"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 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