{"id":215437,"date":"2022-02-23T22:26:54","date_gmt":"2022-02-24T06:26:54","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=215437"},"modified":"2022-02-23T22:26:57","modified_gmt":"2022-02-24T06:26:57","slug":"%e9%9f%93%e4%b8%ad%e8%8a%ac%e4%bb%a3%e7%90%86%e5%84%aa%e6%83%a0%e5%b9%b4%e9%87%91%e6%96%b9%e6%a1%88-%e6%ad%a1%e8%bf%8e%e6%b4%bd%e8%a9%a2","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2022\/02\/23\/%e9%9f%93%e4%b8%ad%e8%8a%ac%e4%bb%a3%e7%90%86%e5%84%aa%e6%83%a0%e5%b9%b4%e9%87%91%e6%96%b9%e6%a1%88-%e6%ad%a1%e8%bf%8e%e6%b4%bd%e8%a9%a2\/","title":{"rendered":"\u97d3\u4e2d\u82ac\u4ee3\u7406\u512a\u60e0\u5e74\u91d1\u65b9\u6848 \u6b61\u8fce\u6d3d\u8a62"},"content":{"rendered":"\n<p>\u60a8\u662f\u5426\u6703\u64d4\u5fc3\u60a8\u7684&nbsp;social security&nbsp;\u4e0d\u5920\u7528\uff1f\u5bb3\u6015\u80a1\u5e02\u6ce2\u52d5&nbsp;\u60a8\u7684IRA\u3001Roth 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data-permalink=\"https:\/\/newsforchinese.com\/v3\/2022\/02\/23\/%e9%9f%93%e4%b8%ad%e8%8a%ac%e4%bb%a3%e7%90%86%e5%84%aa%e6%83%a0%e5%b9%b4%e9%87%91%e6%96%b9%e6%a1%88-%e6%ad%a1%e8%bf%8e%e6%b4%bd%e8%a9%a2\/annuity-2\/\" data-orig-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/02\/annuity.jpg\" data-orig-size=\"600,400\" 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=\"annuity\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/02\/annuity.jpg\" src=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/02\/annuity.jpg\" alt=\"\" class=\"wp-image-215438\" srcset=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/02\/annuity.jpg 600w, https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/02\/annuity-300x200.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>\u9451\u65bc\u6b64\uff0c\u5c08\u696d\u4fdd\u96aa\u7d4c\u7d00\u97d3\u4e2d\u82ac\u4fdd\u96aa\u4e8b\u52d9\u6240\u5718\u968a\u7279\u5225\u4ecb\u7d39\uff1a\u73fe\u4eca\u5e02\u5834\u4e0a\u5ee3\u53d7\u95dc\u6ce8\u7684\u5e74\u91d1\u512a\u60e0\u65b9\u6848.\u9019\u9805\u5e74\u91d1\u512a\u60e0\u65b9\u6848\u662f\u7531\u5168\u7403\u982d\u4e09\u5927\u4fdd\u96aa\u96c6\u5718\u4e4b\u4e00\uff0c\u4fdd\u96aa\u96c6\u5718\u4e2d\u6975\u5c11\u88ab\u8a55\u70baA 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over\u5230\u5982\u6b64\u597d\u7684\u5e74\u91d1\u7522\u54c1\uff0c\u8a72\u512a\u60e0\u5e74\u91d1\u63a8\u5ee3\u671f\u6709\u9650\u53ea\u52304\u670811\u65e5\u622a\u6b62\uff0c\u8d81\u65e9\u52a0\u5165\u4ee5\u514d\u932f\u904e\u826f\u6a5f\u3002\u8acb\u8207\u97d3\u4e2d\u82ac\u76f4\u63a5\u806f\u7e6b\u96fb\u8a71510-5799534\u00a0\u96fb\u90f5\uff1a<a rel=\"noreferrer noopener\" href=\"mailto:chungfen@comcast.net\" target=\"_blank\">chungfen@comcast.net<\/a><\/p>\n\n\n\n<p>Joan Chang&nbsp;<strong>\u97d3\u4e2d\u82ac<\/strong><strong><\/strong><\/p>\n\n\n\n<p><strong>Chung-Fen H Chang<\/strong><\/p>\n\n\n\n<p>510-573-6888 T<\/p>\n\n\n\n<p>510-579-9534 C<\/p>\n\n\n\n<p>JC Health Insurance Services Inc.<\/p>\n\n\n\n<p><a href=\"http:\/\/www.e-healthagent.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">www.e-healthagent.com<\/a><\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"business,biz,local,money\" \r\n\t            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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":159715,"url":"https:\/\/newsforchinese.com\/v3\/2018\/07\/31\/%e5%8f%af%e4%bb%a5%e7%a9%8d%e7%b4%af%e8%b2%a1%e5%af%8c%e7%b5%82%e7%94%9f%e6%94%b6%e5%85%a5%e7%9a%84%e5%b9%b4%e9%87%91%e6%8a%95%e8%b3%87\/","url_meta":{"origin":215437,"position":4},"title":"\u53ef\u4ee5\u7a4d\u7d2f\u8ca1\u5bcc\u7d42\u751f\u6536\u5165\u7684\u5e74\u91d1\u6295\u8cc7","author":"Raymond","date":"July 31, 2018","format":false,"excerpt":"\u2605\u5e74\u91d1Annuity\u662f\u505a\u4ec0\u9ebc\u7528\u7684\uff1f\u6307\u6578\u578b\u5e74\u91d1Fixed indexed Annuity\u662f\u4e00\u7a2e\u9000\u4f11\u8a08\u5283\u7522\u54c1\uff0c\u662f\u8207\u4fdd\u96aa\u516c\u53f8\u9593\u7684\u4e00\u500b\u5408\u7d04\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\uff0c\u5176\u6700\u5927\u512a\u52e2\u5247\u70ba\u53ef\u4ee5\u5ef6\u7a05(\u4e0d\u53ef\u62b5\u7a05)\uff0c\u662f\u76f8\u5c0d\u6bd4\u8f03\u4fdd\u5b88\u7a69\u91cd\u7684\u9000\u4f11\u8a08\u5283\u7522\u54c1(\u8996\u5e74\u91d1\u7a2e\u985e\u800c\u5b9a)\u3002 \u25cf\u5e74\u91d1\u7684\u6700\u5927\u597d\u8655\uff1a\u5ef6\u9072\u8ab2\u7a05tax-deferral\u4ea6\u5373\u8a72\u5e33\u6236\u5167\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\uff0c\u653e\u9032\u5e74\u91d1\u5e33\u6236\u7684\u9322\u597d\u5e7e\u5341\u5e74\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u6295\u8cc7\u4eba\u63d0\u53d6\u88e1\u9762\u7684\u6b3e\u9805\u6642\u624d\u9700\u8ab2\u7a05\u3002\u7c21\u55ae\u8aaa\uff0c\u6295\u8cc7\u4eba\u53ea\u8981\u4e0d\u9818\uff0c\u5c31\u4e0d\u7528\u7e73\u7a05\u3002\u5176\u597d\u8655\u6709\u4e09\uff1a \u672a\u4f86\u7684\u7a05\u7387\u6703\u6bd4\u73fe\u5728\u4f4e\uff1a\u6295\u8cc7\u4eba\u5728\u9000\u4f11\u5f8c\u5f85\u63d0\u53d6\u6b3e\u9805\u6642\uff0c\u5c46\u6642\u7684\u6240\u5f97\u901a\u5e38\u5df2\u660e\u986f\u4f4e\u65bc\u5e74\u8f15\u6642(\u5982\u73fe\u5728)\uff0c\u6b64\u6642\u9069\u7528\u7684\u7a05\u7387\u5247\u6703\u5927\u5e45\u964d\u4f4e\uff0c\u6709\u52a9\u65bc\u7bc0\u7a05\u3002 \u8003\u91cf\u901a\u8ca8\u81a8\u6f32\uff1a\u5c31\u7b97\u73fe\u5728\u8207\u672a\u4f86\u7684\u7a05\u7387\u4e0d\u6703\u8b8a\uff0c\u4f46\u82e5\u8003\u91cf\u901a\u81a8\u554f\u984c\uff0c\u73fe\u5728\u7684$1,000\u572820\u5e74\u5f8c\u7684\u50f9\u503c\u672a\u5fc5\u4ecd\u662f$1,000\uff0c\u5f88\u6709\u53ef\u80fd\u6703\u6253\u500b\u597d\u5e7e\u6298\u3002 \u5229\u6efe\u5229\uff1a\u7531\u65bc\u4e0d\u9700\u6bcf\u5e74\u4ea4\u7a05\uff0c\u8cc7\u6536\u76ca\u53ef\u514d\u7a05\u7a4d\u7d2f\u5229\u6efe\u5229\u3002 \u2605\u8ab0\u9069\u5408\u8cfc\u8cb7\u5e74\u91d1\uff1f \u6e96\u5099\u898f\u5283\u9000\u4f11\u7684\u4eba\u3001\u60f3\u53ca\u65e9\u898f\u5283\u9000\u4f11\u751f\u6d3b\u8005\u3002 \u9000\u4f11\u8a08\u5283\u958b\u59cb\u8f03\u665a\uff0c\u9760401K\u7b49\u9000\u4fee\u8a08\u5283\u4e0d\u5920\u7d2f\u7a4d\u8db3\u5920\u9000\u4f11\u57fa\u91d1\u8005\u3002 \u6709\u4e00\u5927\u7b46\u9322\u77ed\u671f\u7528\u4e0d\u8457\u8005\u3002 401K\u3001IRA\u7b49\u9000\u4f11\u5e33\u6236\u4ee5\u6295\u8cc7\u5230\u4e0a\u9650\u8005\u200b\u200b\u3002 \u2605\u70ba\u4f55\u8981\u8cfc\u8cb7\u5e74\u91d1\uff1f \u70ba\u9000\u4f11\u751f\u6d3b\u505a\u5b8c\u5584\u898f\u5283\uff0c\u5e0c\u671b\u672a\u4f86\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u80fd\u7121\u865e\u3002 \u4ec0\u9ebc\u662f\u6307\u6578\u5e74\u91d1 Fixed Index Annuity \u4e0d\u6536\u4efb\u4f55\u8cbb\u7528\uff0c\u6c92\u6709\u92b7\u552e\u8cbb(Load )\uff0c\u4e5f\u4e0d\u6536\u7ba1\u7406\u8cbb\u7b49\u884c\u653f\u8cbb\u7528\u3002 \u2605When\uff5c\u4f55\u6642\u61c9\u8a72\u8cfc\u8cb7\u5e74\u91d1\uff1f\u4f55\u6642\u53ef\u9818\u51fa\uff1f \u25cf\u4f55\u6642\u8cfc\u8cb7\u5e74\u91d1\uff1f\u56e0\u4eba\u800c\u7570\u4e26\u7121\u4e00\u5b9a\u7684\u6a19\u6e96\u7b54\u6848\uff0c\u7aef\u8996\u6295\u8cc7\u4eba\u6253\u7b97\u7684\u9000\u4f11\u5e74\u9f61\u3001\u672a\u4f86\u8ffd\u6c42\u7684\u9000\u4f11\u751f\u6d3b\u578b\u614b\u3001\u76ee\u524d\u5e74\u7d00\u3001\u76ee\u524d\u6536\u5165\u7b49\u9032\u884c\u8a55\u4f30\u8003\u91cf\u3002\u5927\u9ad4\u800c\u8a00\uff0c\u82e5\u6253\u7b9760\u6b72\u9000\u4f11\uff0c50\u6b72\u662f\u500b\u53ef\u4ee5\u958b\u59cb\u9032\u884c\u5e74\u91d1\u898f\u5283\u7684\u4e0d\u932f\u5e74\u7d00\u3002 \u2605How\uff5c\u5982\u4f55\u63d0\u9818\u5e74\u91d1\uff1f \u5e74\u91d1\u63d0\u9818\u65b9\u5f0f\u5f88\u591a\u5143\uff0c\u6295\u4fdd\u8005\u53ef\u9078\u64c7\u4e00\u6b21\u5168\u90e8\u9818\u51fa\uff0c\u4e5f\u53ef\u5206\u621010\u5e74\u300120\u5e74\u6216\u7d42\u8eab(Life time)\u9678\u7e8c\u63d0\u53d6\uff0c\u7aef\u8996\u4f60\u7684\u5e74\u91d1\u4fdd\u55ae\u898f\u5b9a\uff0c\u4ee5\u53ca\u81ea\u5df1\u7684\u9700\u6c42\u53ca\u8003\u91cf\u53bb\u505a\u6c7a\u5b9a\u3002\u5728\u8cfc\u8cb7\u5e74\u91d1\u7576\u6642\uff0c\u6295\u8cc7\u4eba\u7121\u9808\u7acb\u5373\u6c7a\u5b9a\u8981\u63a1\u7528\u4f55\u7a2e\u63d0\u9818\u65b9\u5f0f\uff0c\u5728\u958b\u59cb\u63d0\u9818\u6642\u518d\u9078\u64c7\u9069\u5408\u65b9\u5f0f\u5373\u53ef\u3002 \u4ec0\u9ebc\u662fLife Time Income\u63d0\u53d6\u6cd5\uff1f\u4fdd\u96aa\u516c\u53f8\u6703\u6839\u64da\u4eba\u7684\u9810\u671f\u58fd\u547d\u548c\u6295\u4fdd\u8005\u5e74\u9f61\uff0c\u53bb\u7b97\u51fa\u4e00\u5e74\u61c9\u4ed8\u6295\u4fdd\u8005\u591a\u5c11\u9322\u3002\u4fdd\u96aa\u516c\u53f8\u4fdd\u8b49\u5728\u6295\u4fdd\u8005\u6709\u751f\u4e4b\u5e74\u4e00\u5b9a\u6703\u6bcf\u5e74\u7d66\u4e88\u4e00\u7b46\u5b9a\u984d\u7684\u9322\u3002\u5982\u679c\u6295\u4fdd\u8005\u6d3b\u8d85\u904e\u7f8e\u570b\u4eba\u5e73\u5747\u58fd\u547d\uff0c\u5247\u6295\u4fdd\u8005\u5c31\u8cfa\u5230\u4e86\uff0c\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u4e00\u76f4\u4ed8\u9322\u3002\u53cd\u89c0\u82e5\u6295\u4fdd\u8005\u6d3b\u4e0d\u904e\u5e73\u5747\u58fd\u547d\u4e5f\u5c31\u8667\u4e86\uff0c\u672a\u4ed8\u5b8c\u7684\u9322\u5c07\u6b78\u4fdd\u96aa\u516c\u53f8\u6240\u6709\u3002\u7576\u7136\uff0c\u6295\u4fdd\u8005\u4e5f\u80fd\u9078\u64c7\u4e0d\u8ce0\u4e0d\u8cfa\u7684\u63d0\u9818\u65b9\u5f0f\uff0c\u672a\u9818\u5b8c\u7684\u9322\u6b78\u53d7\u76ca\u4eba\u3002 \u5982\u679c\u73fe\u5728\u6709\u500bFixed Indexed Annuity \u7522\u54c1\u670930% \u7d05\u5229\uff0c\u53ef\u4ee5\u4fdd\u8b49\u53ea\u6f32\u4e0d\u8dcc\uff0c\u6297\u901a\u8ca8\u81a8\u8139\uff0c\u9084\u53ef\u4ee5\u9818\u7d42\u8eab\u6536\u5165\uff0c\u4f60\u9858\u610f\u4f86\u4e86\u89e3\u55ce\uff1f \u8acb\u99ac\u4e0a\u8ddf\u6211\u5011\u806f\u7e6b\uff0c408-781-5621 \u6216\u662f1-888-855-4061 \u74a9\u4ee5\u4e2d\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8","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\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/07\/annuity.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/07\/annuity.jpg?resize=350%2C200&ssl=1 1x, 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\u5e74\u5168\u7403\u75ab\u60c5\u4e0b\uff0c\u80a1\u7968\u5e02\u5834\u7d93\u6b77\u4e86\u81ea\u5927\u856d\u689d\u4ee5\u4f86\u6700\u56b4\u91cd\u7684\u52d5\u76ea\uff0c\u4e0d\u78ba\u5b9a\u7684\u5f62\u52e2\u90a3\u4e9b\u63a5\u8fd1\u9000\u4f11\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u58eb\u5c24\u70ba\u64d4\u6182\u3002\u5f88\u591a\u5728\u7f8e\u83ef\u4eba\u5bb3\u6015\u81ea\u5df1\u5c07\u4f86\u6d3b\u5f97\u592a\u4e45\uff0c401K \u9000\u4f11\u8cec\u6236\u88e1\u7684\u8cc7\u91d1\u5df2\u7d93\u7528\u5149\u4e86\uff0c\u6216\u662f\u5bb3\u6015\u81ea\u5df1\u7684401k\u6703\u56e0\u70ba\u80a1\u5e02\u5927\u8dcc\u800c\u53d7\u5230\u8667\u640d\u3002 \u7531\u65bc\u7f8e\u570b401K\u9000\u4f11\u8a08\u5283\u7684\u8cc7\u91d1\u6295\u8cc7\u65bc\u80a1\u7968\u5e02\u5834\u5360\u5230\u7e3d\u984d\u768456%\uff0c\u800c\u7f8e\u570b\u80a1\u5e02\u6709\u5982\u5750\u96f2\u5bb5\u98db\u8eca\uff0c\u6709\u6642\u751a\u81f3\u4e00\u5929\u4e4b\u5167\u66b4\u8d77\u66b4\u8dcc\u6578\u767e\u9ede\uff0c\u4e0d\u5c11\u4eba\u773c\u775c\u775c\u770b\u8457\u81ea\u5df1\u7684401K\u9000\u4f11\u8cec\u6236\u5167\u8cc7\u91d1\u5927\u5e45\u7e2e\u6c34\u3002 \u5c0d\u90a3\u4e9b\u9000\u4f11\u8005\u6216\u662f\u5df2\u5c46\u9000\u4f11\u5e74\u9f61\u7684\u4eba\uff0c\u5982\u679c\u9047\u5230\u80a1\u5e02\u5927\u8dcc\uff0c401K\u5927\u5e45\u7e2e\u6c34\uff0c\u9019\u5c07\u662f\u75db\u82e6\u7684\u6253\u64ca\u3002\u56e0\u6b64\uff0c\u60a8\u9700\u8981\u5728\u793e\u5b89\u91d1\u548c401K\u4e4b\u5916\uff0c\u6709\u5fc5\u8981\u63a1\u7d0d\u548c\u63a1\u7528\u9000\u4f11\u898f\u5283\u7684\u7406\u8ca1\u5de5\u5177\u548c\u7522\u54c1\uff0c\u4ee5\u4fdd\u8b49\u60a8\u6709\u4e00\u751f\u8db3\u5920\u7684\u9000\u4f11\u6536\u5165\u3002 1995\u5e74\uff0c\u7f8e\u570b\u7684\u4e00\u4e9b\u4fdd\u96aa\u516c\u53f8\u63a8\u51fa\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\uff0c2008\u5e74\u9019\u7a2e\u5e74\u91d1\u958b\u59cb\u66b4\u7d05\uff0c\u56e0\u70ba\u80a1\u5e02\u72c2\u7009\uff0c\u800c\u5b83\u6700\u4e3b\u8981\u7684\u529f\u7528\u662f\u4fdd\u969c\u4e0d\u6703\u5728\u80a1\u5e02\u4e0a\u7e2e\u6c34\u7684\u5371\u6a5f\u6216\u5e6b\u52a9\u5728\u9000\u4f11\u9700\u7528\u9322\u6642\u4e0d\u6703\u6e1b\u5c11\u9000\u4f11\u91d1\uff0c\u7d50\u5408\u5404\u7a2e\u80a1\u5e02\u6307\u6578\uff0c \u8b8a\u5316\u9078\u64c7\uff0c \u8cfa\u53d6\u5229\u606f\u7684\u6a5f\u6703\uff0c \u5305\u62ec\u6a19\u6e96\u666e\u723e500 \u6307\u6578(S&P 500 Index) \uff0cBarclays Index\uff0cBalanced Asset 10 Index\u7b49\uff0c\u65e2\u53ef\u4eab\u53d7\u80a1\u5e02\u5927\u6f32\u6642\u4f60\u7372\u5f97\u8f03\u9ad8\u56de\u5831\u7684\u597d\u8655\uff0c\u53c8\u907f\u514d\u80a1\u5e02\u4e0b\u8dcc\u6642\u4f60\u7684\u640d\u5931\uff0c\u800c\u4e14\u662f\u5229\u6efe\u5229\u8907\u5229\u589e\u9577\uff0c\u4e0d\u5fc5\u6d6a\u8cbb\u7cbe\u529b\uff0c\u4e0d\u5fc5\u627f\u64d4\u98a8\u96aa\uff0c\u8ca1\u5bcc\u7a69\u5b9a\u52a0\u500d\u6210\u9577\u3002 \u5728\u6536\u5165\u8f03\u4f4e\u7684\u5b9a\u671f\u5b58\u6b3e\u548c\u6536\u5165\u8f03\u9ad8\u4f46\u98a8\u96aa\u5f88\u5927\u7684\u80a1\u7968\u5e02\u5834\u4e4b\u9593\uff0c\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u4f4d\u65bc\u4e2d\u9593\uff0c\u65e2\u80fd\u8cfa\u9322\u53c8\u4e0d\u6703\u8667\u672c\uff0c\u5c6c\u65bc\u4fdd\u5b88\u578b\u6295\u8cc7\u3002\u5c0d\u65bc\u8655\u65bc\u5e02\u5834\u52d5\u8569\u4e4b\u4e2d\uff0c\u9700\u8981\u5275\u9020\u7a69\u5b9a\u548c\u5b89\u5168\u6027\u4f46\u53c8\u4e0d\u60f3\u932f\u904e\u5e02\u5834\u53cd\u5f48\u6642\u6f5b\u5728\u7684\u672a\u4f86\u6536\u76ca\u7684\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u8003\u616e\u8cfc\u8cb7\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u662f\u7d55\u4f73\u7684\u9078\u64c7\u3002\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u5df2\u7d93\u6210\u70ba\u8a31\u591a\u63a5\u8fd1\u6216\u5373\u5c07\u9000\u4f11\u7684\u4eba\u7684\u4e00\u7a2e\u53d7\u6b61\u8fce\u7684\u91d1\u878d\u5de5\u5177\u3002 \u5e74\u91d1\u662f\u4e00\u500b\u5927\u5bb9\u5668\uff0c\u53ef\u4ee5\u628aqualified\u8a08\u5283\uff0c\u5982401K \u3001403B \u3001TSP\u3001\u50b3\u7d71IRA\u6216SEP IRA\u653e\u5728\u5e74\u91d1\u4e2d\uff0c\u4e5f\u53ef\u4ee5\u628anon-qualified\u8a08\u5283\uff0c\u5373\u7a05\u5f8c\u7684\u9322\u653e\u5728\u5e74\u91d1\u88e1\u9762\u3002\u4e0d\u5c11\u83ef\u4eba\u63db\u4e86\u5de5\u4f5c\u6216\u63d0\u65e9\u9000\u4f11\uff0c\u53ef\u4ee5\u628a\u524d\u516c\u53f8\u7684401K \u3001403B\u3001TSP\u88e1\u7684\u9322\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u81ea\u5df1\u8cfc\u8cb7\u7684\u50b3\u7d71IRA\/\u7f85\u65afIRA\u4e5f\u8f49\u5230\u5e74\u91d1\u4f86\uff0c\u6709\u4e9b\u4eba\u628a\u9280\u884c\u6c92\u4ec0\u9ebc\u5229\u606f\u7684\u5b58\u6b3e\u4e5f\u8f49\u6295\u5e74\u91d1\u3002\u9019\u7a2erollover\u6216transfer\u53ea\u662f\u63db\u500b\u5730\u65b9\uff0c\u56e0\u800c\u4e0d\u6703\u6709\u7a05\u7684\u554f\u984c\u3002 \u5e74\u91d1\u7684\u4e5d\u5927\u512a\u52e2\uff1a \u4e00\u3001 \u7701\u5fc3\u3001\u5b89\u5fc3\uff1a\u898f\u907f\u98a8\u96aa\uff0c\u7121\u9700\u6280\u8853\u7ba1\u7406\uff0c\u514d\u537b\u4e00\u5207\u7169\u60f1\u3001\u6182\u616e\u3002\u4fdd\u8b49\u751f\u6d3b\u8cea\u91cf\u3001\u4fdd\u8b49\u5065\u5eb7\u3002 \u4e8c\u3001\u6536\u76ca\u9060\u9ad8\u65bc\u4e00\u822c\u6295\u8cc7\u5229\u7387\uff1a\u5982\u5132\u84c4\u50b5\u5238\uff0c\u5132\u84c4\u5e33\u6236\u3001\u5b9a\u671f\u5b58\u6b3e\u3001\u652f\u7968\u6236\u53e3\u7b49\u3002 \u4e09\u3001\u56fa\u5b9a\u6307\u6578\u5e74\u91d1\u53ef\u96a8\u6642\u52a0\u5165\uff1a\u7121\u9700\u50cf\u80a1\u5e02\u9078\u64c7\u6642\u6a5f\u5165\u5834\uff0c\u9ede\u5230\u9ede\u8a08\u7b97\u5229\u76ca\u6240\u5f97\u3002 \u56db\u3001\u9060\u9060\u512a\u52dd\u65bc\u793e\u5b89\u91d1\uff1a\u9818\u53d6\u793e\u5b89\u91d1\u5e74\u9f61\u88ab\u4e00\u518d\u63a8\u9072\uff0c\u800c\u4e14\u6839\u672c\u4e0d\u8db3\u4ee5\u652f\u4ed8\u65e5\u5e38\u8cbb\u7528\u3002\u60f3\u64c1\u6709\u7f8e\u6eff\u9000\u4f11\u751f\u6d3b\uff0c\u8cfa\u53d6\u984d\u5916\u9000\u4f11\u91d1\uff0c\u5e74\u91d1\u662f\u6700\u53ef\u9760\u7684\u9078\u64c7\u3002 \u4e94\u3001\u5bb6\u5ead\u4fdd\u969c\uff1a\u7576\u5e74\u91d1\u6301\u6709\u4eba\u4e0d\u5e78\u4eba\u65e9\u8d70\u4e86\uff0c\u4e5f\u662f\u6309\u73fe\u91d1\u8cec\u6236(Account Value)\u9918\u4e0b\u7684\u9322\u7d66\u4e88\u53d7\u76ca\u4eba\u3002 \u516d\u3001\u78ba\u4fdd\u7d42\u751f\u9000\u4f11\u91d1\u7684\u4f86\u6e90\uff1a\u7d42\u751f\u990a\u8001\u91d1\uff0c\u6c38\u9060\u7528\u4e0d\u5b8c\u3002\u8d8a\u9818\u8d8a\u9ad8\uff0c\u6709\u6548\u62b5\u79a6\u901a\u8ca8\u81a8\u8139\u3002 \u4e03\u3001\u6bcf\u5e74\u4fdd\u8b49\u4e0d\u8667\u640d\uff1a\u672c\u91d1\u4fdd\u8b49\u53ca\u6700\u4f4e\u8ff4\u5831\u3002\u6307\u6578\u4e0a\u5347\u6642\u53ef\u8cfa\uff0c\u6307\u6578\u4e0b\u964d\u6642\u672c\u5229\u9396\u5b9a\uff1b\u96f6\u98a8\u96aa\uff08\u7121\u8ad6\u6307\u6578\u4e0b\u8dcc\u3001\u80a1\u5e02\u4e0b\u8dcc\uff0c\u90fd\u4e0d\u6703\u8667\u640d\uff09\u3002 \u516b\u3001\u5ef6\u7a05\u53ca\u5fa9\u5229\uff1a\u672c\u91d1\u3001\u7d05\u5229\uff08\u53ef\u9ad8\u905420%-25%\uff09\uff0c\u8207\u6240\u8cfa\u5229\u606f\u8907\u5229\u8a08\u7b97\uff0c\u5373\u5229\u6efe\u5229\u3002 \u4e5d\u3001\u4fdd\u96aa\u516c\u53f8\u6bd4\u9280\u884c\u66f4\u53ef\u4fe1\uff1a\u81ea2008\u5e74\u91d1\u878d\u6d77\u562f\uff0c\u7f8e\u570b\u5171\u6709525\u5bb6\u9280\u884c\u5012\u9589\uff0c\u537b\u6c92\u6709\u4efb\u4f55\u4e00\u5bb6\u4fdd\u96aa\u516c\u53f8\u5012\u9589\u3002 \u9748\u6d3b\u5b58\u9748\u6d3b\u53d6\uff0c\u4fdd\u5e95\u9ad8\u56de\u5831\uff0c\u672c\u91d1\u7559\u5b50\u5b6b\uff0c\u4f9b\u53c3\u8003\uff1a \u8209\u4f8b\uff1a\u6797\u5148\u751f\uff0c54\u6b72\uff0c\u4ed6\u4f4f\u5728\u99ac\u91cc\u862d\u5dde\uff0c\u4ed6\u524d\u516c\u53f8\u7684401K\u5167\u7684\u8cc7\u91d1\u7d04\u670960\u842c\u7f8e\u5143\uff0c\u4ed6\u5e0c\u671b\u64c1\u6709\u4e00\u4efd\u5e74\u91d1\u8a08\u5283\u662f\u6ce8\u91cd\u73fe\u91d1\u8cec\u6236(account value) \u7684\u7a4d\u7d2f\u548c\u589e\u9577\uff0c\u53ea\u6f32\u4e0d\u8dcc\uff0c\u4e0d\u6703\u56e0\u70ba\u80a1\u5e02\u5927\u8dcc\u800c\u53d7\u5230\u8667\u640d\uff0c\u7576\u80a1\u5e02\u5347\u7684\u6642\u5019\uff0c\u4e5f\u80fd\u53c3\u8207\u589e\u9577\uff0c \u4e26\u4e14\u6c92\u6709\u7ba1\u7406\u8cbb\u7528\u3002 \u7522\u54c1\uff1a\u6b64\u5e74\u91d1\u8a08\u5283\u662f\u53c3\u8003Balanced Asset 10 Index\u8868\u73fe\u4f86\u8a08\u7b97\u56de\u5831\u7387\uff0c\u5982\u679c\u6307\u6578\u4e0a\u6f32\uff0caccount 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