{"id":231008,"date":"2022-12-03T06:03:00","date_gmt":"2022-12-03T14:03:00","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=231008"},"modified":"2022-12-03T10:13:32","modified_gmt":"2022-12-03T18:13:32","slug":"%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/","title":{"rendered":"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u500b\u4eba\u5728 2023 \u5e74\u53ef\u70ba\u5176 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5c07\u5f9e 2022 \u5e74\u7684 20,500 \u7f8e\u5143\u589e\u52a0\u5230 22,500 \u7f8e\u5143\u3002\u7528\u65bc\u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71 IRA \u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA \u4f9b\u6b3e\u548c\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\u4e5f\u5c07\u5728 2023 \u5e74\u5168\u90e8\u589e\u52a0\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u95dc\u5f71\u97ff2023\u7d0d\u7a05\u5e74\u5ea6\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u7684\u7f8e\u5143\u9650\u5236\u7684\u6240\u6709\u751f\u6d3b\u958b\u652f\u8abf\u6574\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5728\u570b\u7a05\u5c40\u5b98\u7db2IRS.gov\u4e0a\u7684\u7b2c2022-55\u865f\u901a\u77e5\uff08\u82f1\u6587\uff09\u4e2d\u95b1\u8b80\u76f8\u95dc\u6280\u8853\u6307\u5357\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4e0b\u662f2023\u5e74\u7684\u4e00\u4e9b\u8b8a\u5316\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022&nbsp;&nbsp;&nbsp; \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\u7684\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u523022,500 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022&nbsp;&nbsp;&nbsp; IRA\u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 6,500 \u7f8e\u5143\u3002 50 \u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684 IRA \u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u958b\u652f\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4ecd\u70ba 1,000 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022&nbsp;&nbsp;&nbsp; \u53c3\u52a0 401(k)\u3001403(b)\u3001\u5927\u591a\u6578 457 \u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684 50 \u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 7,500 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022&nbsp;&nbsp;&nbsp; \u53c3\u8207SIMPLE\u8a08\u5283\u768450\u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u5f9e 3,000 \u7f8e\u5143\u589e\u52a0\u5230 3,500 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022&nbsp;&nbsp;&nbsp; \u6263\u9664\u50b3\u7d71IRA\u4f9b\u6b3e\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e5f\u5c07\u589e\u52a0\u3002\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b\u7b2c2022-55\u865f\u901a\u77e5\uff0c\u4e86\u89e3\u6709\u95dc\u5176\u60c5\u6cc1\u7684\u8a73\u7d30\u4fe1\u606f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022&nbsp;&nbsp;&nbsp; \u5c0d\u65bc\u55ae\u8eab\u3001\u6236\u4e3b\u548c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u7d0d\u7a05\u4eba\uff0c\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5c07\u589e\u52a0\u3002\u540c\u6a23\uff0c\u7d0d\u7a05\u4eba\u61c9\u67e5\u95b1\u7b2c2022-55\u865f\u901a\u77e5\u4ee5\u4e86\u89e3\u6709\u95dc\u5176\u5177\u9ad4\u60c5\u6cc1\u7684\u8a73\u60c5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022&nbsp;&nbsp;&nbsp; \u91dd\u5c0d\u4e2d\u4f4e\u6536\u5165\u54e1\u5de5\u7684\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\uff0c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\u7684\u8a71\uff0c \u6536\u5165\u9650\u984d\u70ba 73,000 \u7f8e\u5143\uff1b\u6236\u4e3b\u7684\u8a71\uff0c\u6536\u5165\u9650\u984d\u70ba$54,750\uff1b\u55ae\u8eab\u548c\u5df2\u5a5a\u55ae\u7368\u7533\u5831\u7684\u8a71\uff0c\u6536\u5165\u9650\u984d\u70ba36,500 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2022&nbsp;&nbsp;&nbsp; \u500b\u4eba\u53ef\u4ee5\u5176SIMPLE\u9000\u4f11\u8cec\u6236\u4f9b\u6b3e\u7684\u91d1\u984d\u5c07\u589e\u52a0\u523015,500 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6587\/\u570b\u7a05\u5c40<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"local,money,opinion\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1670047380\"\r\n\t            data-title=\"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u500b\u4eba\u5728 2023 \u5e74\u53ef\u70ba\u5176 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5c07\u5f9e 2022 \u5e74\u7684 20,500 \u7f8e\u5143\u589e\u52a0\u5230 22,500 \u7f8e\u5143\u3002\u7528\u65bc\u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71 IRA \u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA \u4f9b\u6b3e\u548c\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\u4e5f\u5c07\u5728 2023 \u5e74\u5168\u90e8\u589e\u52a0\u3002<\/p>\n","protected":false},"author":1,"featured_media":105581,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"audio","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[7,18,31],"tags":[1486],"series":[],"class_list":["post-231008","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local","category-money","category-opinion","tag-2023401kira"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"\u500b\u4eba\u5728 2023 \u5e74\u53ef\u70ba\u5176 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5c07\u5f9e 2022 \u5e74\u7684 20,500 \u7f8e\u5143\u589e\u52a0\u5230 22,500 \u7f8e\u5143\u3002\u7528\u65bc\u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71 IRA \u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA \u4f9b\u6b3e\u548c\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\u4e5f\u5c07\u5728 2023 \u5e74\u5168\u90e8\u589e\u52a0\u3002 \u6709\u95dc\u5f71\u97ff2023\u7d0d\u7a05\u5e74\u5ea6\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u7684\u7f8e\u5143\u9650\u5236\u7684\u6240\u6709\u751f\u6d3b\u958b\u652f\u8abf\u6574\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5728\u570b\u7a05\u5c40\u5b98\u7db2IRS.gov\u4e0a\u7684\u7b2c2022-55\u865f\u901a\u77e5\uff08\u82f1\u6587\uff09\u4e2d\u95b1\u8b80\u76f8\u95dc\u6280\u8853\u6307\u5357\u3002 \u4ee5\u4e0b\u662f2023\u5e74\u7684\u4e00\u4e9b\u8b8a\u5316\uff1a \u2022 \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\u7684\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u523022,500 \u7f8e\u5143\u3002 \u2022 IRA\u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 6,500 \u7f8e\u5143\u3002 50 \u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684 IRA \u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u958b\u652f\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4ecd\u70ba 1,000 \u7f8e\u5143\u3002 \u2022 \u53c3\u52a0 401(k)\u3001403(b)\u3001\u5927\u591a\u6578 457 \u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684 50 \u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 7,500 \u7f8e\u5143\u3002 \u2022 \u53c3\u8207SIMPLE\u8a08\u5283\u768450\u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u5f9e 3,000 \u7f8e\u5143\u589e\u52a0\u5230 3,500 \u7f8e\u5143\u3002 \u2022 \u6263\u9664\u50b3\u7d71IRA\u4f9b\u6b3e\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e5f\u5c07\u589e\u52a0\u3002\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b\u7b2c2022-55\u865f\u901a\u77e5\uff0c\u4e86\u89e3\u6709\u95dc\u5176\u60c5\u6cc1\u7684\u8a73\u7d30\u4fe1\u606f\u3002 \u2022 \u5c0d\u65bc\u55ae\u8eab\u3001\u6236\u4e3b\u548c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u7d0d\u7a05\u4eba\uff0c\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5c07\u589e\u52a0\u3002\u540c\u6a23\uff0c\u7d0d\u7a05\u4eba\u61c9\u67e5\u95b1\u7b2c2022-55\u865f\u901a\u77e5\u4ee5\u4e86\u89e3\u6709\u95dc\u5176\u5177\u9ad4\u60c5\u6cc1\u7684\u8a73\u60c5\u3002 \u2022 \u91dd\u5c0d\u4e2d\u4f4e\u6536\u5165\u54e1\u5de5\u7684\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\uff0c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\u7684\u8a71\uff0c \u6536\u5165\u9650\u984d\u70ba 73,000\" \/>\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\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/\" \/>\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=\"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0 - 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=\"\u500b\u4eba\u5728 2023 \u5e74\u53ef\u70ba\u5176 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5c07\u5f9e 2022 \u5e74\u7684 20,500 \u7f8e\u5143\u589e\u52a0\u5230 22,500 \u7f8e\u5143\u3002\u7528\u65bc\u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71 IRA \u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA \u4f9b\u6b3e\u548c\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\u4e5f\u5c07\u5728 2023 \u5e74\u5168\u90e8\u589e\u52a0\u3002 \u6709\u95dc\u5f71\u97ff2023\u7d0d\u7a05\u5e74\u5ea6\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u7684\u7f8e\u5143\u9650\u5236\u7684\u6240\u6709\u751f\u6d3b\u958b\u652f\u8abf\u6574\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5728\u570b\u7a05\u5c40\u5b98\u7db2IRS.gov\u4e0a\u7684\u7b2c2022-55\u865f\u901a\u77e5\uff08\u82f1\u6587\uff09\u4e2d\u95b1\u8b80\u76f8\u95dc\u6280\u8853\u6307\u5357\u3002 \u4ee5\u4e0b\u662f2023\u5e74\u7684\u4e00\u4e9b\u8b8a\u5316\uff1a \u2022 \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\u7684\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u523022,500 \u7f8e\u5143\u3002 \u2022 IRA\u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 6,500 \u7f8e\u5143\u3002 50 \u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684 IRA \u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u958b\u652f\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4ecd\u70ba 1,000 \u7f8e\u5143\u3002 \u2022 \u53c3\u52a0 401(k)\u3001403(b)\u3001\u5927\u591a\u6578 457 \u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684 50 \u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 7,500 \u7f8e\u5143\u3002 \u2022 \u53c3\u8207SIMPLE\u8a08\u5283\u768450\u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u5f9e 3,000 \u7f8e\u5143\u589e\u52a0\u5230 3,500 \u7f8e\u5143\u3002 \u2022 \u6263\u9664\u50b3\u7d71IRA\u4f9b\u6b3e\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e5f\u5c07\u589e\u52a0\u3002\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b\u7b2c2022-55\u865f\u901a\u77e5\uff0c\u4e86\u89e3\u6709\u95dc\u5176\u60c5\u6cc1\u7684\u8a73\u7d30\u4fe1\u606f\u3002 \u2022 \u5c0d\u65bc\u55ae\u8eab\u3001\u6236\u4e3b\u548c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u7d0d\u7a05\u4eba\uff0c\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5c07\u589e\u52a0\u3002\u540c\u6a23\uff0c\u7d0d\u7a05\u4eba\u61c9\u67e5\u95b1\u7b2c2022-55\u865f\u901a\u77e5\u4ee5\u4e86\u89e3\u6709\u95dc\u5176\u5177\u9ad4\u60c5\u6cc1\u7684\u8a73\u60c5\u3002 \u2022 \u91dd\u5c0d\u4e2d\u4f4e\u6536\u5165\u54e1\u5de5\u7684\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\uff0c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\u7684\u8a71\uff0c \u6536\u5165\u9650\u984d\u70ba 73,000\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t\t<meta property=\"og:image:height\" content=\"378\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2022-12-03T14:03:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2022-12-03T18:13:32+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0 - 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=\"\u500b\u4eba\u5728 2023 \u5e74\u53ef\u70ba\u5176 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5c07\u5f9e 2022 \u5e74\u7684 20,500 \u7f8e\u5143\u589e\u52a0\u5230 22,500 \u7f8e\u5143\u3002\u7528\u65bc\u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71 IRA \u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA \u4f9b\u6b3e\u548c\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\u4e5f\u5c07\u5728 2023 \u5e74\u5168\u90e8\u589e\u52a0\u3002 \u6709\u95dc\u5f71\u97ff2023\u7d0d\u7a05\u5e74\u5ea6\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u7684\u7f8e\u5143\u9650\u5236\u7684\u6240\u6709\u751f\u6d3b\u958b\u652f\u8abf\u6574\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5728\u570b\u7a05\u5c40\u5b98\u7db2IRS.gov\u4e0a\u7684\u7b2c2022-55\u865f\u901a\u77e5\uff08\u82f1\u6587\uff09\u4e2d\u95b1\u8b80\u76f8\u95dc\u6280\u8853\u6307\u5357\u3002 \u4ee5\u4e0b\u662f2023\u5e74\u7684\u4e00\u4e9b\u8b8a\u5316\uff1a \u2022 \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\u7684\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u523022,500 \u7f8e\u5143\u3002 \u2022 IRA\u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 6,500 \u7f8e\u5143\u3002 50 \u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684 IRA \u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u958b\u652f\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4ecd\u70ba 1,000 \u7f8e\u5143\u3002 \u2022 \u53c3\u52a0 401(k)\u3001403(b)\u3001\u5927\u591a\u6578 457 \u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684 50 \u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 7,500 \u7f8e\u5143\u3002 \u2022 \u53c3\u8207SIMPLE\u8a08\u5283\u768450\u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u5f9e 3,000 \u7f8e\u5143\u589e\u52a0\u5230 3,500 \u7f8e\u5143\u3002 \u2022 \u6263\u9664\u50b3\u7d71IRA\u4f9b\u6b3e\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e5f\u5c07\u589e\u52a0\u3002\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b\u7b2c2022-55\u865f\u901a\u77e5\uff0c\u4e86\u89e3\u6709\u95dc\u5176\u60c5\u6cc1\u7684\u8a73\u7d30\u4fe1\u606f\u3002 \u2022 \u5c0d\u65bc\u55ae\u8eab\u3001\u6236\u4e3b\u548c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u7d0d\u7a05\u4eba\uff0c\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5c07\u589e\u52a0\u3002\u540c\u6a23\uff0c\u7d0d\u7a05\u4eba\u61c9\u67e5\u95b1\u7b2c2022-55\u865f\u901a\u77e5\u4ee5\u4e86\u89e3\u6709\u95dc\u5176\u5177\u9ad4\u60c5\u6cc1\u7684\u8a73\u60c5\u3002 \u2022 \u91dd\u5c0d\u4e2d\u4f4e\u6536\u5165\u54e1\u5de5\u7684\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\uff0c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\u7684\u8a71\uff0c \u6536\u5165\u9650\u984d\u70ba 73,000\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BlogPosting\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#blogposting\",\"name\":\"\\u7d0d\\u7a05\\u4eba\\u61c9\\u67e5\\u770b2023\\u5e74401(k)\\u548cIRA\\u9650\\u984d\\u589e\\u52a0 - News for Chinese \\uff0d \\u820a\\u91d1\\u5c71\\u7063\\u5340No.1\\u514d\\u8cbb\\u83ef\\u4eba\\u793e\\u5340\\u5831\\u7d19\",\"headline\":\"\\u7d0d\\u7a05\\u4eba\\u61c9\\u67e5\\u770b2023\\u5e74401(k)\\u548cIRA\\u9650\\u984d\\u589e\\u52a0\",\"author\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/author\\\/laoho\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/wp-content\\\/uploads\\\/2015\\\/07\\\/401K-IRA_1.jpeg\",\"width\":600,\"height\":378},\"datePublished\":\"2022-12-03T06:03:00-08:00\",\"dateModified\":\"2022-12-03T10:13:32-08:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#webpage\"},\"articleSection\":\"\\u5730\\u65b9\\u65b0\\u805e, \\u7406\\u8ca1\\u6295\\u8cc7, \\u8ad6\\u58c7, \\u7d0d\\u7a05\\u4eba\\u61c9\\u67e5\\u770b2023\\u5e74401(k)\\u548cIRA\\u7684\\u9650\\u984d\\u589e\\u52a0\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/newsforchinese.com\\\/v3\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/category\\\/local\\\/#listItem\",\"name\":\"\\u5730\\u65b9\\u65b0\\u805e\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/category\\\/local\\\/#listItem\",\"position\":2,\"name\":\"\\u5730\\u65b9\\u65b0\\u805e\",\"item\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/category\\\/local\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#listItem\",\"name\":\"\\u7d0d\\u7a05\\u4eba\\u61c9\\u67e5\\u770b2023\\u5e74401(k)\\u548cIRA\\u9650\\u984d\\u589e\\u52a0\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#listItem\",\"position\":3,\"name\":\"\\u7d0d\\u7a05\\u4eba\\u61c9\\u67e5\\u770b2023\\u5e74401(k)\\u548cIRA\\u9650\\u984d\\u589e\\u52a0\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/category\\\/local\\\/#listItem\",\"name\":\"\\u5730\\u65b9\\u65b0\\u805e\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#organization\",\"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\",\"url\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/author\\\/laoho\\\/#author\",\"url\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/author\\\/laoho\\\/\",\"name\":\"Raymond\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/933050d3bba711ae8eed7fe05532e2ceec7ca7198723c94bd86c205bf099f7a2?s=96&d=retro&r=g\",\"width\":96,\"height\":96,\"caption\":\"Raymond\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#webpage\",\"url\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/\",\"name\":\"\\u7d0d\\u7a05\\u4eba\\u61c9\\u67e5\\u770b2023\\u5e74401(k)\\u548cIRA\\u9650\\u984d\\u589e\\u52a0 - News for Chinese \\uff0d \\u820a\\u91d1\\u5c71\\u7063\\u5340No.1\\u514d\\u8cbb\\u83ef\\u4eba\\u793e\\u5340\\u5831\\u7d19\",\"description\":\"\\u500b\\u4eba\\u5728 2023 \\u5e74\\u53ef\\u70ba\\u5176 401(k) \\u8a08\\u5283\\u4f9b\\u6b3e\\u7684\\u91d1\\u984d\\u5c07\\u5f9e 2022 \\u5e74\\u7684 20,500 \\u7f8e\\u5143\\u589e\\u52a0\\u5230 22,500 \\u7f8e\\u5143\\u3002\\u7528\\u65bc\\u78ba\\u5b9a\\u662f\\u5426\\u6709\\u8cc7\\u683c\\u5411\\u50b3\\u7d71 IRA \\u4f9b\\u6b3e\\u3001\\u5411\\u7f85\\u65afIRA \\u4f9b\\u6b3e\\u548c\\u7533\\u8acb\\u5132\\u84c4\\u8005\\u62b5\\u514d\\u512a\\u60e0\\u7684\\u6536\\u5165\\u7bc4\\u570d\\u4e5f\\u5c07\\u5728 2023 \\u5e74\\u5168\\u90e8\\u589e\\u52a0\\u3002 \\u6709\\u95dc\\u5f71\\u97ff2023\\u7d0d\\u7a05\\u5e74\\u5ea6\\u990a\\u8001\\u91d1\\u8a08\\u5283\\u548c\\u5176\\u5b83\\u9000\\u4f11\\u76f8\\u95dc\\u4e8b\\u9805\\u7684\\u7f8e\\u5143\\u9650\\u5236\\u7684\\u6240\\u6709\\u751f\\u6d3b\\u958b\\u652f\\u8abf\\u6574\\uff0c\\u7d0d\\u7a05\\u4eba\\u53ef\\u4ee5\\u5728\\u570b\\u7a05\\u5c40\\u5b98\\u7db2IRS.gov\\u4e0a\\u7684\\u7b2c2022-55\\u865f\\u901a\\u77e5\\uff08\\u82f1\\u6587\\uff09\\u4e2d\\u95b1\\u8b80\\u76f8\\u95dc\\u6280\\u8853\\u6307\\u5357\\u3002 \\u4ee5\\u4e0b\\u662f2023\\u5e74\\u7684\\u4e00\\u4e9b\\u8b8a\\u5316\\uff1a \\u2022 \\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\\u7684\\u4f9b\\u6b3e\\u9650\\u984d\\u5c07\\u589e\\u52a0\\u523022,500 \\u7f8e\\u5143\\u3002 \\u2022 IRA\\u7684\\u5e74\\u5ea6\\u4f9b\\u6b3e\\u9650\\u984d\\u5c07\\u589e\\u52a0\\u5230 6,500 \\u7f8e\\u5143\\u3002 50 \\u6b72\\u53ca\\u4ee5\\u4e0a\\u500b\\u4eba\\u7684 IRA \\u8ffd\\u52a0\\u4f9b\\u6b3e\\u9650\\u984d\\u4e0d\\u53d7\\u5e74\\u5ea6\\u751f\\u6d3b\\u958b\\u652f\\u8abf\\u6574\\u7684\\u5f71\\u97ff\\uff0c\\u4ecd\\u70ba 1,000 \\u7f8e\\u5143\\u3002 \\u2022 \\u53c3\\u52a0 401(k)\\u3001403(b)\\u3001\\u5927\\u591a\\u6578 457 \\u8a08\\u5283\\u548c\\u806f\\u90a6\\u653f\\u5e9c\\u7bc0\\u5109\\u5132\\u84c4\\u8a08\\u5283\\u7684 50 \\u6b72\\u53ca\\u4ee5\\u4e0a\\u54e1\\u5de5\\u7684\\u8ffd\\u52a0\\u4f9b\\u6b3e\\u9650\\u984d\\u5c07\\u589e\\u52a0\\u5230 7,500 \\u7f8e\\u5143\\u3002 \\u2022 \\u53c3\\u8207SIMPLE\\u8a08\\u5283\\u768450\\u6b72\\u53ca\\u4ee5\\u4e0a\\u54e1\\u5de5\\u7684\\u8ffd\\u52a0\\u4f9b\\u6b3e\\u9650\\u984d\\u5c07\\u5f9e 3,000 \\u7f8e\\u5143\\u589e\\u52a0\\u5230 3,500 \\u7f8e\\u5143\\u3002 \\u2022 \\u6263\\u9664\\u50b3\\u7d71IRA\\u4f9b\\u6b3e\\u7684\\u9010\\u6b65\\u64a4\\u92b7\\u7bc4\\u570d\\u4e5f\\u5c07\\u589e\\u52a0\\u3002\\u7d0d\\u7a05\\u4eba\\u61c9\\u67e5\\u770b\\u7b2c2022-55\\u865f\\u901a\\u77e5\\uff0c\\u4e86\\u89e3\\u6709\\u95dc\\u5176\\u60c5\\u6cc1\\u7684\\u8a73\\u7d30\\u4fe1\\u606f\\u3002 \\u2022 \\u5c0d\\u65bc\\u55ae\\u8eab\\u3001\\u6236\\u4e3b\\u548c\\u5df2\\u5a5a\\u806f\\u5408\\u7533\\u5831\\u7684\\u7d0d\\u7a05\\u4eba\\uff0c\\u5411\\u7f85\\u65afIRA\\u4f9b\\u6b3e\\u7684\\u6536\\u5165\\u9010\\u6b65\\u64a4\\u92b7\\u7bc4\\u570d\\u5c07\\u589e\\u52a0\\u3002\\u540c\\u6a23\\uff0c\\u7d0d\\u7a05\\u4eba\\u61c9\\u67e5\\u95b1\\u7b2c2022-55\\u865f\\u901a\\u77e5\\u4ee5\\u4e86\\u89e3\\u6709\\u95dc\\u5176\\u5177\\u9ad4\\u60c5\\u6cc1\\u7684\\u8a73\\u60c5\\u3002 \\u2022 \\u91dd\\u5c0d\\u4e2d\\u4f4e\\u6536\\u5165\\u54e1\\u5de5\\u7684\\u5132\\u84c4\\u8005\\u62b5\\u514d\\u512a\\u60e0\\uff0c\\u5df2\\u5a5a\\u806f\\u5408\\u7533\\u5831\\u7684\\u592b\\u5a66\\u7684\\u8a71\\uff0c \\u6536\\u5165\\u9650\\u984d\\u70ba 73,000\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#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\\\/2015\\\/07\\\/401K-IRA_1.jpeg\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#mainImage\",\"width\":600,\"height\":378},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2022\\\/12\\\/03\\\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\\\/#mainImage\"},\"datePublished\":\"2022-12-03T06:03:00-08:00\",\"dateModified\":\"2022-12-03T10:13:32-08:00\"},{\"@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\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\u500b\u4eba\u5728 2023 \u5e74\u53ef\u70ba\u5176 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5c07\u5f9e 2022 \u5e74\u7684 20,500 \u7f8e\u5143\u589e\u52a0\u5230 22,500 \u7f8e\u5143\u3002\u7528\u65bc\u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71 IRA \u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA \u4f9b\u6b3e\u548c\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\u4e5f\u5c07\u5728 2023 \u5e74\u5168\u90e8\u589e\u52a0\u3002 \u6709\u95dc\u5f71\u97ff2023\u7d0d\u7a05\u5e74\u5ea6\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u7684\u7f8e\u5143\u9650\u5236\u7684\u6240\u6709\u751f\u6d3b\u958b\u652f\u8abf\u6574\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5728\u570b\u7a05\u5c40\u5b98\u7db2IRS.gov\u4e0a\u7684\u7b2c2022-55\u865f\u901a\u77e5\uff08\u82f1\u6587\uff09\u4e2d\u95b1\u8b80\u76f8\u95dc\u6280\u8853\u6307\u5357\u3002 \u4ee5\u4e0b\u662f2023\u5e74\u7684\u4e00\u4e9b\u8b8a\u5316\uff1a \u2022 \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\u7684\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u523022,500 \u7f8e\u5143\u3002 \u2022 IRA\u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 6,500 \u7f8e\u5143\u3002 50 \u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684 IRA \u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u958b\u652f\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4ecd\u70ba 1,000 \u7f8e\u5143\u3002 \u2022 \u53c3\u52a0 401(k)\u3001403(b)\u3001\u5927\u591a\u6578 457 \u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684 50 \u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 7,500 \u7f8e\u5143\u3002 \u2022 \u53c3\u8207SIMPLE\u8a08\u5283\u768450\u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u5f9e 3,000 \u7f8e\u5143\u589e\u52a0\u5230 3,500 \u7f8e\u5143\u3002 \u2022 \u6263\u9664\u50b3\u7d71IRA\u4f9b\u6b3e\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e5f\u5c07\u589e\u52a0\u3002\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b\u7b2c2022-55\u865f\u901a\u77e5\uff0c\u4e86\u89e3\u6709\u95dc\u5176\u60c5\u6cc1\u7684\u8a73\u7d30\u4fe1\u606f\u3002 \u2022 \u5c0d\u65bc\u55ae\u8eab\u3001\u6236\u4e3b\u548c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u7d0d\u7a05\u4eba\uff0c\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5c07\u589e\u52a0\u3002\u540c\u6a23\uff0c\u7d0d\u7a05\u4eba\u61c9\u67e5\u95b1\u7b2c2022-55\u865f\u901a\u77e5\u4ee5\u4e86\u89e3\u6709\u95dc\u5176\u5177\u9ad4\u60c5\u6cc1\u7684\u8a73\u60c5\u3002 \u2022 \u91dd\u5c0d\u4e2d\u4f4e\u6536\u5165\u54e1\u5de5\u7684\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\uff0c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\u7684\u8a71\uff0c \u6536\u5165\u9650\u984d\u70ba 73,000","canonical_url":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":"&lt;meta name=\"google-adsense-account\" content=\"ca-pub-9175855296033541\"&gt;"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BlogPosting","@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#blogposting","name":"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","headline":"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0","author":{"@id":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/#author"},"publisher":{"@id":"https:\/\/newsforchinese.com\/v3\/#organization"},"image":{"@type":"ImageObject","url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg","width":600,"height":378},"datePublished":"2022-12-03T06:03:00-08:00","dateModified":"2022-12-03T10:13:32-08:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#webpage"},"isPartOf":{"@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#webpage"},"articleSection":"\u5730\u65b9\u65b0\u805e, \u7406\u8ca1\u6295\u8cc7, \u8ad6\u58c7, \u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u7684\u9650\u984d\u589e\u52a0"},{"@type":"BreadcrumbList","@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3#listItem","position":1,"name":"Home","item":"https:\/\/newsforchinese.com\/v3","nextItem":{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/category\/local\/#listItem","name":"\u5730\u65b9\u65b0\u805e"}},{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/category\/local\/#listItem","position":2,"name":"\u5730\u65b9\u65b0\u805e","item":"https:\/\/newsforchinese.com\/v3\/category\/local\/","nextItem":{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#listItem","name":"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0"},"previousItem":{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#listItem","position":3,"name":"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0","previousItem":{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/category\/local\/#listItem","name":"\u5730\u65b9\u65b0\u805e"}}]},{"@type":"Organization","@id":"https:\/\/newsforchinese.com\/v3\/#organization","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","url":"https:\/\/newsforchinese.com\/v3\/"},{"@type":"Person","@id":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/#author","url":"https:\/\/newsforchinese.com\/v3\/author\/laoho\/","name":"Raymond","image":{"@type":"ImageObject","@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/933050d3bba711ae8eed7fe05532e2ceec7ca7198723c94bd86c205bf099f7a2?s=96&d=retro&r=g","width":96,"height":96,"caption":"Raymond"}},{"@type":"WebPage","@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#webpage","url":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/","name":"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\u500b\u4eba\u5728 2023 \u5e74\u53ef\u70ba\u5176 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5c07\u5f9e 2022 \u5e74\u7684 20,500 \u7f8e\u5143\u589e\u52a0\u5230 22,500 \u7f8e\u5143\u3002\u7528\u65bc\u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71 IRA \u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA \u4f9b\u6b3e\u548c\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\u4e5f\u5c07\u5728 2023 \u5e74\u5168\u90e8\u589e\u52a0\u3002 \u6709\u95dc\u5f71\u97ff2023\u7d0d\u7a05\u5e74\u5ea6\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u7684\u7f8e\u5143\u9650\u5236\u7684\u6240\u6709\u751f\u6d3b\u958b\u652f\u8abf\u6574\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5728\u570b\u7a05\u5c40\u5b98\u7db2IRS.gov\u4e0a\u7684\u7b2c2022-55\u865f\u901a\u77e5\uff08\u82f1\u6587\uff09\u4e2d\u95b1\u8b80\u76f8\u95dc\u6280\u8853\u6307\u5357\u3002 \u4ee5\u4e0b\u662f2023\u5e74\u7684\u4e00\u4e9b\u8b8a\u5316\uff1a \u2022 \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\u7684\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u523022,500 \u7f8e\u5143\u3002 \u2022 IRA\u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 6,500 \u7f8e\u5143\u3002 50 \u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684 IRA \u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u958b\u652f\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4ecd\u70ba 1,000 \u7f8e\u5143\u3002 \u2022 \u53c3\u52a0 401(k)\u3001403(b)\u3001\u5927\u591a\u6578 457 \u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684 50 \u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 7,500 \u7f8e\u5143\u3002 \u2022 \u53c3\u8207SIMPLE\u8a08\u5283\u768450\u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u5f9e 3,000 \u7f8e\u5143\u589e\u52a0\u5230 3,500 \u7f8e\u5143\u3002 \u2022 \u6263\u9664\u50b3\u7d71IRA\u4f9b\u6b3e\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e5f\u5c07\u589e\u52a0\u3002\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b\u7b2c2022-55\u865f\u901a\u77e5\uff0c\u4e86\u89e3\u6709\u95dc\u5176\u60c5\u6cc1\u7684\u8a73\u7d30\u4fe1\u606f\u3002 \u2022 \u5c0d\u65bc\u55ae\u8eab\u3001\u6236\u4e3b\u548c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u7d0d\u7a05\u4eba\uff0c\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5c07\u589e\u52a0\u3002\u540c\u6a23\uff0c\u7d0d\u7a05\u4eba\u61c9\u67e5\u95b1\u7b2c2022-55\u865f\u901a\u77e5\u4ee5\u4e86\u89e3\u6709\u95dc\u5176\u5177\u9ad4\u60c5\u6cc1\u7684\u8a73\u60c5\u3002 \u2022 \u91dd\u5c0d\u4e2d\u4f4e\u6536\u5165\u54e1\u5de5\u7684\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\uff0c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\u7684\u8a71\uff0c \u6536\u5165\u9650\u984d\u70ba 73,000","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/newsforchinese.com\/v3\/#website"},"breadcrumb":{"@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#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\/2015\/07\/401K-IRA_1.jpeg","@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#mainImage","width":600,"height":378},"primaryImageOfPage":{"@id":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/#mainImage"},"datePublished":"2022-12-03T06:03:00-08:00","dateModified":"2022-12-03T10:13:32-08:00"},{"@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":"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","og:description":"\u500b\u4eba\u5728 2023 \u5e74\u53ef\u70ba\u5176 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5c07\u5f9e 2022 \u5e74\u7684 20,500 \u7f8e\u5143\u589e\u52a0\u5230 22,500 \u7f8e\u5143\u3002\u7528\u65bc\u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71 IRA \u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA \u4f9b\u6b3e\u548c\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\u4e5f\u5c07\u5728 2023 \u5e74\u5168\u90e8\u589e\u52a0\u3002 \u6709\u95dc\u5f71\u97ff2023\u7d0d\u7a05\u5e74\u5ea6\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u7684\u7f8e\u5143\u9650\u5236\u7684\u6240\u6709\u751f\u6d3b\u958b\u652f\u8abf\u6574\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5728\u570b\u7a05\u5c40\u5b98\u7db2IRS.gov\u4e0a\u7684\u7b2c2022-55\u865f\u901a\u77e5\uff08\u82f1\u6587\uff09\u4e2d\u95b1\u8b80\u76f8\u95dc\u6280\u8853\u6307\u5357\u3002 \u4ee5\u4e0b\u662f2023\u5e74\u7684\u4e00\u4e9b\u8b8a\u5316\uff1a \u2022 \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\u7684\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u523022,500 \u7f8e\u5143\u3002 \u2022 IRA\u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 6,500 \u7f8e\u5143\u3002 50 \u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684 IRA \u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u958b\u652f\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4ecd\u70ba 1,000 \u7f8e\u5143\u3002 \u2022 \u53c3\u52a0 401(k)\u3001403(b)\u3001\u5927\u591a\u6578 457 \u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684 50 \u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 7,500 \u7f8e\u5143\u3002 \u2022 \u53c3\u8207SIMPLE\u8a08\u5283\u768450\u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u5f9e 3,000 \u7f8e\u5143\u589e\u52a0\u5230 3,500 \u7f8e\u5143\u3002 \u2022 \u6263\u9664\u50b3\u7d71IRA\u4f9b\u6b3e\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e5f\u5c07\u589e\u52a0\u3002\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b\u7b2c2022-55\u865f\u901a\u77e5\uff0c\u4e86\u89e3\u6709\u95dc\u5176\u60c5\u6cc1\u7684\u8a73\u7d30\u4fe1\u606f\u3002 \u2022 \u5c0d\u65bc\u55ae\u8eab\u3001\u6236\u4e3b\u548c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u7d0d\u7a05\u4eba\uff0c\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5c07\u589e\u52a0\u3002\u540c\u6a23\uff0c\u7d0d\u7a05\u4eba\u61c9\u67e5\u95b1\u7b2c2022-55\u865f\u901a\u77e5\u4ee5\u4e86\u89e3\u6709\u95dc\u5176\u5177\u9ad4\u60c5\u6cc1\u7684\u8a73\u60c5\u3002 \u2022 \u91dd\u5c0d\u4e2d\u4f4e\u6536\u5165\u54e1\u5de5\u7684\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\uff0c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\u7684\u8a71\uff0c \u6536\u5165\u9650\u984d\u70ba 73,000","og:url":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/","og:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg","og:image:secure_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg","og:image:width":600,"og:image:height":378,"article:published_time":"2022-12-03T14:03:00+00:00","article:modified_time":"2022-12-03T18:13:32+00:00","twitter:card":"summary_large_image","twitter:title":"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","twitter:description":"\u500b\u4eba\u5728 2023 \u5e74\u53ef\u70ba\u5176 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5c07\u5f9e 2022 \u5e74\u7684 20,500 \u7f8e\u5143\u589e\u52a0\u5230 22,500 \u7f8e\u5143\u3002\u7528\u65bc\u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71 IRA \u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA \u4f9b\u6b3e\u548c\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\u4e5f\u5c07\u5728 2023 \u5e74\u5168\u90e8\u589e\u52a0\u3002 \u6709\u95dc\u5f71\u97ff2023\u7d0d\u7a05\u5e74\u5ea6\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u7684\u7f8e\u5143\u9650\u5236\u7684\u6240\u6709\u751f\u6d3b\u958b\u652f\u8abf\u6574\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5728\u570b\u7a05\u5c40\u5b98\u7db2IRS.gov\u4e0a\u7684\u7b2c2022-55\u865f\u901a\u77e5\uff08\u82f1\u6587\uff09\u4e2d\u95b1\u8b80\u76f8\u95dc\u6280\u8853\u6307\u5357\u3002 \u4ee5\u4e0b\u662f2023\u5e74\u7684\u4e00\u4e9b\u8b8a\u5316\uff1a \u2022 \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\u7684\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u523022,500 \u7f8e\u5143\u3002 \u2022 IRA\u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 6,500 \u7f8e\u5143\u3002 50 \u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684 IRA \u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u958b\u652f\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4ecd\u70ba 1,000 \u7f8e\u5143\u3002 \u2022 \u53c3\u52a0 401(k)\u3001403(b)\u3001\u5927\u591a\u6578 457 \u8a08\u5283\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u5283\u7684 50 \u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u589e\u52a0\u5230 7,500 \u7f8e\u5143\u3002 \u2022 \u53c3\u8207SIMPLE\u8a08\u5283\u768450\u6b72\u53ca\u4ee5\u4e0a\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5c07\u5f9e 3,000 \u7f8e\u5143\u589e\u52a0\u5230 3,500 \u7f8e\u5143\u3002 \u2022 \u6263\u9664\u50b3\u7d71IRA\u4f9b\u6b3e\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e5f\u5c07\u589e\u52a0\u3002\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b\u7b2c2022-55\u865f\u901a\u77e5\uff0c\u4e86\u89e3\u6709\u95dc\u5176\u60c5\u6cc1\u7684\u8a73\u7d30\u4fe1\u606f\u3002 \u2022 \u5c0d\u65bc\u55ae\u8eab\u3001\u6236\u4e3b\u548c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u7d0d\u7a05\u4eba\uff0c\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5c07\u589e\u52a0\u3002\u540c\u6a23\uff0c\u7d0d\u7a05\u4eba\u61c9\u67e5\u95b1\u7b2c2022-55\u865f\u901a\u77e5\u4ee5\u4e86\u89e3\u6709\u95dc\u5176\u5177\u9ad4\u60c5\u6cc1\u7684\u8a73\u60c5\u3002 \u2022 \u91dd\u5c0d\u4e2d\u4f4e\u6536\u5165\u54e1\u5de5\u7684\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\uff0c\u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\u7684\u8a71\uff0c \u6536\u5165\u9650\u984d\u70ba 73,000","twitter:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg"},"aioseo_meta_data":{"post_id":"231008","title":null,"description":null,"keywords":null,"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2023-07-31 08:29:27","updated":"2025-06-11 03:57:44","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\/local\/\" title=\"\u5730\u65b9\u65b0\u805e\">\u5730\u65b9\u65b0\u805e<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/newsforchinese.com\/v3"},{"label":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},{"label":"\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0","link":"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/"}],"featured_image_urls":{"thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1-150x150.jpeg","medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1-300x189.jpeg","large":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1-600x378.jpeg","single_img":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1-150x150.jpeg"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg","episode_player_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2022\/11\/avatars-DFF30y5My1u3eZvX-2nXMSw-original.jpg","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":[],"rssFeedUrl":"https:\/\/newsforchinese.com\/v3\/feed\/podcast\/%e8%80%81%e4%b8%ad%e5%bb%a3%e6%92%ad%e9%9b%bb%e5%8f%b0","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"ETbarKewbJ\"><a href=\"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/\">\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2022\/12\/03\/%e7%b4%8d%e7%a8%85%e4%ba%ba%e6%87%89%e6%9f%a5%e7%9c%8b2023%e5%b9%b4401k%e5%92%8cira%e7%9a%84%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0\/embed\/#?secret=ETbarKewbJ\" width=\"500\" height=\"350\" title=\"&#8220;\u7d0d\u7a05\u4eba\u61c9\u67e5\u770b2023\u5e74401(k)\u548cIRA\u9650\u984d\u589e\u52a0&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"ETbarKewbJ\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/newsforchinese.com\/v3\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg","jetpack-related-posts":[{"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":231008,"position":0},"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 50\u6b72\u53ca\u4ee5\u4e0a\u53c3\u52a0SIMPLE\u8a08\u5283\u7684\u54e1\u5de5\u7684\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u5f9e3,000\u7f8e\u5143\u589e\u52a0\u52303,500\u7f8e\u5143\u3002 \u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71\u500b\u4eba\u9000\u4f11\u8cec\u6236 (IRA) \u9032\u884c\u53ef\u6263\u9664\u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u4ee5\u53ca\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\uff0c\u57282023\u5e74\u5747\u6709\u6240\u589e\u52a0\u3002 \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 \u52a0\u5165\u4e86\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\u7684\u55ae\u8eab\u7d0d\u7a05\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e68,000\u7f8e\u5143\u81f378,000\u7f8e\u5143\uff0c\u589e\u52a0\u5230 73,000\u7f8e\u5143\u81f383,000\u7f8e\u5143\u4e4b\u9593\u3002 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\uff0c\u5982\u679c\u70baIRA\u4f9b\u6b3e\u7684\u914d\u5076\u6709\u52a0\u5165\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\uff0c\u5247\u9010\u6b65\u64a4\u92b7\u7bc4\u570d109,000\u7f8e\u5143\u81f3129,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230116,000 \u7f8e\u5143\u81f3136,000 \u7f8e\u5143\u4e4b\u9593\u3002 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u6c92\u6709\u52a0\u5165\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\u4f46\u5176\u914d\u5076\u6709\u52a0\u5165\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\u7684\u4f9b\u6b3e\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e204,000\u7f8e\u5143\u81f3214,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230 218,000 \u7f8e\u5143\u81f3 228,000 \u7f8e\u5143\u4e4b\u9593\u3002 \u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u52a0\u5165\u4e86\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\u7684\u5df2\u5a5a\u55ae\u7368\u7533\u5831\u7684\u500b\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u6210\u672c\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4e26\u4e14\u4fdd\u6301\u57280\u81f310,000\u7f8e\u5143\u4e4b\u9593\u3002 \u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u55ae\u8eab\u8207\u6236\u4e3b\u8eab\u4efd\u7d0d\u7a05\u4eba\uff0c\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e129,000 \u7f8e\u5143\u81f3144,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230138,000 \u7f8e\u5143\u81f3153,000 \u7f8e\u5143\u4e4b\u9593\u3002\u5df2\u5a5a\u5171\u540c\u7533\u5831\u7684\u592b\u5a66\uff0c\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e 204,000 \u7f8e\u5143\u81f3 214,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230 218,000 \u7f8e\u5143\u81f3 228,000 \u7f8e\u5143\u4e4b\u9593\u3002\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u5df2\u5a5a\u55ae\u7368\u7533\u5831\u7684\u500b\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u8cbb\u7528\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4fdd\u6301\u57280\u81f310,000\u7f8e\u5143\u4e4b\u9593\u3002 \u4e2d\u4f4e\u7b49\u6536\u5165\u54e1\u5de5\u7684\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\uff08\u4e5f\u7a31\u70ba\u9000\u4f11\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\u512a\u60e0\uff09\u6536\u5165\u9650\u984d\uff0c\u5982\u679c\u662f\u5df2\u5a5a\u806f\u5408\u7533\u5831\uff0c\u5f9e68,000 \u7f8e\u5143\u589e\u81f373,000 \u7f8e\u5143\uff1b\u6236\u4e3b\u7684\u8a71\uff0c\u5f9e51,000 \u7f8e\u5143\u589e\u81f354,750\u2026","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/money-401k.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/money-401k.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/money-401k.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":248939,"url":"https:\/\/newsforchinese.com\/v3\/2023\/11\/11\/2024%e5%b9%b4401k%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0%e8%87%b323000%e7%be%8e%e5%85%83\/","url_meta":{"origin":231008,"position":1},"title":"2024\u5e74401(k)\u9650\u984d\u589e\u52a0\u81f323,000\u7f8e\u5143","author":"Jocelyn","date":"November 11, 2023","format":false,"excerpt":"2024\u5e74401(k)\u9650\u984d\u589e\u52a0\u81f323,000\u7f8e\u5143\uff0c\u500b\u4eba\u9000\u4f11\u5e33\u6236\u9650\u984d\u589e\u52a0\u81f37,000\u7f8e\u5143\u3002 \u7f8e\u570b\u570b\u7a05\u5c40\u5ba3\u5e03\uff0c\u500b\u4eba\u53ef\u4ee5\u57282024\u5e74\u70ba\u5176 401(k)\u8a08\u5283\u4f9b\u6b3e\u7684\u984d\u5ea6\u5df2\u5f9e2023\u5e74\u768422,500\u7f8e\u5143\u589e\u52a0\u523023,000\u7f8e\u5143\u3002 \u570b\u7a05\u5c40\u4e5f\u5728\u7b2c2023-75\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\u65bc2024\u7d0d\u7a05\u5e74\u5ea6\u7684\u9000\u4f11\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u4e8b\u9805\u3002 2024\u5e74\u7684\u8b8a\u52d5\u8981\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\u5f9e22,500\u7f8e\u5143\u589e\u52a0\u523023,000\u7f8e\u5143\u3002 \u500b\u4eba\u9000\u4f11\u5e33\u6236 (IRA) \u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5f9e6,500\u7f8e\u5143\u589e\u52a0\u52307,000\u7f8e\u5143\u3002 \u4f9d\u64da\u300a2022\u5e74SECURE 2.0\u6cd5\u6848\u300b(SECURE 2.0)\uff0c\u5c0d50\u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684IRA\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u9032\u884c\u4e86\u4fee\u8a02\uff0c\u7d0d\u5165\u4e86\u5e74\u5ea6\u751f\u6d3b\u8cbb\u7528\u8abf\u6574\uff0c\u4f462024\u5e74\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\u76842024\u5e74\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4ecd\u70ba7,500\u7f8e\u5143\u3002 \u56e0\u6b64\uff0c\u5f9e2024\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\u6b3e30,500\u7f8e\u5143\u3002 50\u6b72\u53ca\u4ee5\u4e0a\u53c3\u52a0SIMPLE\u8a08\u756b\u7684\u54e1\u5de5\u76842024\u5e74\u8ffd\u52a0\u4f9b\u6b3e\u9650\u984d\u4ecd\u70ba3,500\u7f8e\u5143\u3002 \u78ba\u5b9a\u662f\u5426\u6709\u8cc7\u683c\u5411\u50b3\u7d71\u500b\u4eba\u9000\u4f11\u5e33\u6236 (IRA) \u9032\u884c\u53ef\u6263\u9664\u4f9b\u6b3e\u3001\u5411\u7f85\u65afIRA\u4f9b\u6b3e\u4ee5\u53ca\u7533\u8acb\u5132\u84c4\u8005\u62b5\u514d\u512a\u60e0\u7684\u6536\u5165\u7bc4\u570d\uff0c\u57282024\u5e74\u5747\u6709\u6240\u589e\u52a0\u3002 \u5982\u679c\u7d0d\u7a05\u4eba\u7b26\u5408\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\u70ba2024\u5e74\u7684\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\uff1a \u2022 \u52a0\u5165\u4e86\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u756b\u7684\u55ae\u8eab\u7d0d\u7a05\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e73,000\u7f8e\u5143\u81f383,000\u7f8e\u5143\uff0c\u589e\u52a0\u5230 77,000\u7f8e\u5143\u81f387,000\u7f8e\u5143\u4e4b\u9593\u3002 \u2022 \u5df2\u5a5a\u806f\u5408\u7533\u5831\u7684\u592b\u5a66\uff0c\u5982\u679c\u70baIRA\u4f9b\u6b3e\u7684\u914d\u5076\u6709\u52a0\u5165\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u5283\uff0c\u5247\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e116,000\u7f8e\u5143\u81f3136,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230123,000 \u7f8e\u5143\u81f3143,000 \u7f8e\u5143\u4e4b\u9593\u3002 \u2022 \u6c92\u6709\u52a0\u5165\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u756b\u4f46\u5176\u914d\u5076\u6709\u52a0\u5165\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u756b\u7684\u4f9b\u6b3e\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e218,000\u7f8e\u5143\u81f3228,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230 230,000 \u7f8e\u5143\u81f3 240,000 \u7f8e\u5143\u4e4b\u9593\u3002 \u2022 \u52a0\u5165\u4e86\u5de5\u4f5c\u55ae\u4f4d\u9000\u4f11\u8a08\u756b\u7684\u5df2\u5a5a\u55ae\u7368\u7533\u5831\u7684\u500b\u4eba\uff0c\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u4e0d\u53d7\u5e74\u5ea6\u751f\u6d3b\u6210\u672c\u8abf\u6574\u7684\u5f71\u97ff\uff0c\u4e26\u4e14\u4fdd\u6301\u57280\u81f310,000\u7f8e\u5143\u4e4b\u9593\u3002 \u5411\u7f85\u65afIRA\u4f9b\u6b3e\u7684\u55ae\u8eab\u8207\u6236\u4e3b\u8eab\u5206\u7d0d\u7a05\u4eba\uff0c\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e138,000 \u7f8e\u5143\u81f3153,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230146,000 \u7f8e\u5143\u81f3161,000 \u7f8e\u5143\u4e4b\u9593\u3002 \u5df2\u5a5a\u5171\u540c\u7533\u5831\u7684\u592b\u5a66\uff0c\u6536\u5165\u9010\u6b65\u64a4\u92b7\u7bc4\u570d\u5f9e 218,000 \u7f8e\u5143\u81f3 228,000 \u7f8e\u5143\uff0c\u589e\u52a0\u5230 230,000 \u7f8e\u5143\u81f3\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\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":268753,"url":"https:\/\/newsforchinese.com\/v3\/2024\/12\/01\/2025%e5%b9%b4401k-%e9%99%90%e9%a1%8d%e5%a2%9e%e5%8a%a0%e8%87%b3-23500-%e7%be%8e%e5%85%83\/","url_meta":{"origin":231008,"position":2},"title":"2025\u5e74401(k) \u9650\u984d\u589e\u52a0\u81f3 23,500 \u7f8e\u5143","author":"Raymond","date":"December 1, 2024","format":false,"excerpt":"2025 \u5e74 401(k) \u9650\u984d\u589e\u52a0\u81f3 23,500 \u7f8e\u5143\uff0cIRA \u9650\u984d\u4ecd\u70ba 7,000 \u7f8e\u5143\u3002 \u7f8e\u570b\u570b\u7a05\u5c40\u5ba3\u5e03\uff0c\u500b\u4eba\u53ef\u5411 401(k) \u8a08\u5283\u4f9b\u6b3e\u7684\u91d1\u984d\u5f9e 2024 \u5e74\u7684 23,000 \u7f8e\u5143\u589e\u52a0\u5230 2025 \u5e74\u7684 23,500 \u7f8e\u5143\u3002 \u570b\u7a05\u5c40\u4e5f\u5728IRS.gov \u4e0a\u767c\u5e03\u76842024-80 \u865f\u901a\u77e5\u4e2d\u767c\u5e03\u4e86\u6280\u8853\u6307\u5357\uff0c\u5c31\u6240\u6709\u5f71\u97ff2025 \u5e74\u7d0d\u7a05\u5e74\u5ea6\u7f8e\u5143\u9650\u984d\u5f71\u97ff\u990a\u8001\u91d1\u8a08\u5283\u548c\u5176\u5b83\u9000\u4f11\u76f8\u95dc\u9805\u76ee\u7684\u7f8e\u5143\u9650\u984d\u7684\u751f\u6d3b\u6210\u672c\u8abf\u6574\u9032\u884c\u4e86\u8aaa\u660e\u3002 2025 \u5e74\u8b8a\u5316\u8981\u9ede \u53c3\u52a0 401(k)\u3001403(b)\u3001\u653f\u5e9c 457 \u8a08\u756b\u548c\u806f\u90a6\u653f\u5e9c\u7bc0\u5109\u5132\u84c4\u8a08\u756b\u7684\u54e1\u5de5\u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u5f9e 23,000 \u7f8e\u5143\u589e\u52a0\u5230 23,500 \u7f8e\u5143\u3002 IRA \u7684\u5e74\u5ea6\u4f9b\u6b3e\u9650\u984d\u4ecd\u662f 7,000 \u7f8e\u5143\u3002\u6839\u64da 2022 \u5e74\u300aSECURE 2.0 \u6cd5\u6848\u300b(SECURE 2.0)\uff0c\u5c0d 50 \u6b72\u53ca\u4ee5\u4e0a\u500b\u4eba\u7684 IRA \u8ffd\u52a0\u4f9b\u6b3e\u4f9b\u6b3e\u9650\u984d\u9032\u884c\u4e86\u4fee\u8a02\uff0c\u7d0d\u5165\u4e86\u5e74\u5ea6\u751f\u6d3b\u6210\u672c\u7528\u8abf\u6574\uff0c\u4f46 2025 \u5e74\u4ecd\u70ba 1,000\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\/2022\/01\/IRS.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":268854,"url":"https:\/\/newsforchinese.com\/v3\/2024\/12\/07\/%e7%8f%be%e5%9c%a8%e5%b0%b1%e7%82%ba%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84%ef%bc%8c%e6%97%a5%e5%be%8c%e5%8f%af%e7%8d%b2%e7%a8%85%e6%94%b6%e6%8a%b5%e5%85%8d\/","url_meta":{"origin":231008,"position":3},"title":"\u73fe\u5728\u5c31\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u65e5\u5f8c\u53ef\u7372\u7a05\u6536\u62b5\u514d","author":"Raymond","date":"December 7, 2024","format":false,"excerpt":"\u73fe\u5728\u5c31\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u65e5\u5f8c\u53ef\u7372\u7a05\u6536\u62b5\u514d\uff1a\u5132\u6236\u62b5\u514d\u512a\u60e0\u6709\u52a9\u65bc\u4e2d\u4f4e\u6536\u5165\u7d0d\u7a05\u4eba\u57282025\u5e74\u589e\u52a0\u5132\u84c4\u3002 \u7f8e\u570b\u570b\u7a05\u5c40\u63d0\u9192\u4e2d\u4f4e\u6536\u5165\u7684\u7d0d\u7a05\u4eba\uff0c\u73fe\u5728\u53ef\u4ee5\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u4e26\u6709\u53ef\u80fd\u57282025\u5e74\u53ca\u672a\u4f86\u5e7e\u5e74\u7372\u5f97\u7a05\u6536\u512a\u60e0\u3002 \u9000\u4f11\u91d1\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\u512a\u60e0\uff0c\u4e5f\u7a31\u70ba\u5132\u6236\u62b5\u514d\u512a\u60e0\uff0c\u53ef\u7528\u65bc\u62b5\u6d88\u7d0d\u7a05\u4eba\u81ea\u9858\u70ba\u500b\u4eba\u9000\u4f11\u8a08\u5283\uff08IRA\uff09\u3001401(k) \u8a08\u5283\u548c\u985e\u4f3c\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u5283\u4f9b\u6b3e\u7684\u524d2,000 \u7f8e\u5143\uff08\u5df2\u5a5a\u806f\u5408\u7533\u5831\u70ba4,000 \u7f8e\u5143\uff09\u4e2d\u7684\u4e00\u90e8\u5206\u3002 \u6b64\u62b5\u514d\u512a\u60e0\u9084\u53ef\u5e6b\u52a9\u7b26\u5408\u8cc7\u683c\u7684\u6b98\u969c\u4eba\u58eb\uff0c\u9019\u4e9b\u4eba\u58eb\u662f\u300c\u751f\u6d3b\u9ad4\u9a57\u6539\u5584\u300d(ABLE) \u5e33\u6236\u7684\u6307\u5b9a\u53d7\u76ca\u4eba\u4e26\u5411\u8a72\u5e33\u6236\u4f9b\u6b3e\u3002\u6709\u95dc ABLE \u5e33\u6236\u7684\u66f4\u591a\u4fe1\u606f\uff0c\u8acb\u53c3\u95b1IRS.gov \u4e0a\u7684\u300a\u7b2c907\u865f\u51fa\u7248\u7269\uff0c\u91dd\u5c0d\u6b98\u969c\u4eba\u58eb\u7684\u7a05\u52d9\u91cd\u9ede\u300b\u3002 \u5132\u84c4\u62b5\u514d\u512a\u60e0\u6700\u9ad8\u53ef\u90541,000 \u7f8e\u5143\uff08\u5df2\u5a5a\u592b\u5a66\u70ba 2,000 \u7f8e\u5143\uff09\u3002\u6b64\u62b5\u514d\u53ef\u4ee5\u589e\u52a0\u7d0d\u7a05\u4eba\u7684\u9000\u7a05\u6216\u6e1b\u5c11\u6b20\u7a05\uff0c\u4f46\u6703\u53d7\u5230\u5176\u4ed6\u6263\u9664\u984d\u548c\u62b5\u514d\u984d\u7684\u5f71\u97ff\u3002 \u8f49\u5b58\u4f9b\u6b3e\u4e0d\u7b26\u5408\u6b64\u62b5\u514d\u512a\u60e0\u689d\u4ef6\uff0c\u9000\u4f11\u8a08\u5283\u6216 ABLE \u5e33\u6236\u7684\u5206\u914d\u6703\u6e1b\u5c11\u7528\u65bc\u8a08\u7b97\u62b5\u514d\u7684\u4f9b\u6b3e\u91d1\u984d\u3002 \u8ab0\u7b26\u5408\u689d\u4ef6?\u7d0d\u7a05\u4eba\u53ef\u4ee5\u4f7f\u7528\u4e92\u52d5\u5f0f\u7a05\u52d9\u52a9\u7406\u5de5\u5177\u91dd\u5c0d\u5132\u6236\u62b5\u514d\u512a\u60e0\u7684\u8cc7\u8a0a\u4f86\u78ba\u5b9a\u5176\u8cc7\u683c\u3002\u5982\u679c\u7d0d\u7a05\u4eba\u7b26\u5408\u4ee5\u4e0b\u689d\u4ef6\uff0c\u5247\u6709\u8cc7\u683c\u7372\u5f97\u8a72\u62b5\u514d\u512a\u60e0\uff1a \u5e74\u6eff18 \u6b72\uff0c \u6c92\u6709\u5728\u4ed6\u4eba\u7a05\u8868\u4e2d\u88ab\u7533\u5831\u70ba\u88ab \u6276\u990a\u4eba\uff0c\u4e14 \u4e0d\u662f\u5168\u65e5\u5236\u5b78\u751f\u3002\u6b64\u5916\uff0c\u5132\u84c4\u62b5\u514d\u512a\u60e0\u53ef\u7531\u4ee5\u4e0b\u4eba\u58eb\u7533\u9818\uff1a \u5df2\u5a5a\u592b\u5a66\u806f\u5408\u5831\u7a05\uff1a\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u4e0d\u8d85\u904e76,500 \u7f8e\u5143\u3002 \u6236\u4e3b\uff1a\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u4e0d\u8d85\u904e 57,375 \u7f8e\u5143\u3002 \u5df2\u5a5a\u55ae\u7368\u7533\u5831\u7684\u500b\u4eba\u4ee5\u53ca\u55ae\u8eab\u4eba\u58eb\uff1a\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u4e0d\u8d85\u904e38,250 \u7f8e\u5143\u3002 \u7b26\u5408\u8cc7\u683c\u7684\u5c1a\u5b58\u914d\u5076\u7533\u5831\u4eba\u3002\u4f9b\u6b3e\u622a\u6b62\u65e5\u671f\u64c1\u6709IRA\u7684\u500b\u4eba\u5fc5\u9808\u5728 2025 \u5e74 4 \u6708 15 \u65e5\u4e4b\u524d\uff08\u63d0\u4ea4 2024 \u5e74\u7a05\u8868\u7684\u622a\u6b62\u65e5\u671f\uff09\u8a2d\u7acb\u4e00\u500b\u65b0\u7684 IRA \u6216\u70ba\u73fe\u6709\u7684 IRA \u589e\u52a02024\u5e74\u7684\u8cc7\u91d1\u3002\u7f85\u65af\u548c\u50b3\u7d71IRA\u90fd\u7b26\u5408\u689d\u4ef6\u3002\u64c1\u6709\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u756b\u7684\u500b\u4eba\u4ecd\u6709\u6642\u9593\u7e73\u7d0d\u5408\u683c\u7684\u9000\u4f11\u4f9b\u6b3e\uff0c\u4ee5\u53ca\u53ef\u80fd\u5728\u51762024 \u5e74\u7684\u7a05\u8868\u4e0a\u7372\u5f97\u5132\u84c4\u62b5\u514d\u512a\u60e0\u3002\u5230\u4ee5\u4e0b\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u756b\u7684\u4f9b\u6b3e\u5fc5\u9808\u572812\u670831\u65e5\u524d\u5b8c\u6210\uff1a 401(k) \u8a08\u5283\u3002 \u516c\u7acb\u5b78\u6821\u548c\u67d0\u4e9b\u514d\u7a05\u6a5f\u69cb\u7684\u50f1\u54e1\u7684403(b) \u8a08\u5283\u3002 \u5dde\u6216\u5730\u65b9\u653f\u5e9c\u50f1\u54e1\u7684\u653f\u5e9c457\u2026","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/money-401k.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/money-401k.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/09\/money-401k.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":250115,"url":"https:\/\/newsforchinese.com\/v3\/2023\/12\/02\/%e5%84%b2%e6%88%b6%e6%8a%b5%e5%85%8d%e5%84%aa%e6%83%a0%e6%9c%89%e5%8a%a9%e4%b8%ad%e4%bd%8e%e6%94%b62024%e5%b9%b4%e5%a2%9e%e5%84%b2%e8%93%84\/","url_meta":{"origin":231008,"position":4},"title":"\u5132\u6236\u62b5\u514d\u512a\u60e0\u6709\u52a9\u4e2d\u4f4e\u65362024\u5e74\u589e\u5132\u84c4","author":"Raymond","date":"December 2, 2023","format":false,"excerpt":"\u5132\u6236\u62b5\u514d\u512a\u60e0\u6709\u52a9\u65bc\u4e2d\u4f4e\u6536\u5165\u7d0d\u7a05\u4eba\u57282024\u5e74\u589e\u52a0\u5132\u84c4\u3002 \u7f8e\u570b\u570b\u7a05\u5c40\u63d0\u9192\u4e2d\u4f4e\u6536\u5165\u7684\u7d0d\u7a05\u4eba\uff0c\u73fe\u5728\u53ef\u4ee5\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u4e26\u6709\u53ef\u80fd\u57282024\u5e74\u53ca\u672a\u4f86\u5e7e\u5e74\u7372\u5f97\u7279\u5225\u7a05\u6536\u512a\u60e0\u3002 \u9000\u4f11\u91d1\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\u512a\u60e0\uff0c\u4e5f\u7a31\u70ba\u5132\u6236\u62b5\u514d\u512a\u60e0\uff0c\u53ef\u7528\u65bc\u62b5\u6d88\u5de5\u4f5c\u8005\u81ea\u9858\u70ba\u500b\u4eba\u9000\u4f11\u8a08\u5283\uff08IRA\uff09\u3001401(k) \u8a08\u5283\u548c\u985e\u4f3c\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u5283\u4f9b\u6b3e\u7684\u524d2,000 \u7f8e\u5143\u4e2d \u7684\u4e00\u90e8\u5206\u3002 \u6b64\u62b5\u514d\u512a\u60e0\u9084\u53ef\u5e6b\u52a9\u7b26\u5408\u8cc7\u683c\u7684\u6b98\u969c\u4eba\u58eb\uff0c\u9019\u4e9b\u4eba\u58eb\u662f\u300c\u751f\u6d3b\u9ad4\u9a57\u6539\u5584\u300d(ABLE) \u5e33\u6236\u7684\u6307\u5b9a\u53d7\u76ca\u4eba\u4e26\u5411\u8a72\u5e33\u6236\u4f9b\u6b3e\u3002 \u6709\u95dc ABLE \u5e33\u6236\u7684\u66f4\u591a\u4fe1\u606f\uff0c\u8acb\u53c3\u95b1\u300a\u7b2c907\u865f\u51fa\u7248\u7269\uff0c\u6b98\u969c\u4eba\u58eb\u7684\u7a05\u52d9\u91cd\u9ede\u300b\u3002 \u5132\u84c4\u62b5\u514d\u512a\u60e0\u6700\u9ad8\u53ef\u90541,000 \u7f8e\u5143\uff08\u5df2\u5a5a\u592b\u5a66\u70ba 2,000 \u7f8e\u5143\uff09\u3002 \u6b64\u62b5\u514d\u53ef\u4ee5\u589e\u52a0\u7d0d\u7a05\u4eba\u7684\u9000\u7a05\u6216\u6e1b\u5c11\u6b20\u7a05\uff0c\u4f46\u6703\u53d7\u5230\u5176\u4ed6\u6263\u9664\u984d\u548c\u62b5\u514d\u984d\u7684\u5f71\u97ff\u3002 \u9000\u4f11\u8a08\u5283\u6216 ABLE \u5e33\u6236\u7684\u5206\u914d\u6e1b\u5c11\u4e86\u7528\u65bc\u8a08\u7b97\u62b5\u514d\u7684\u4f9b\u6b3e\u91d1\u984d\u3002 \u4f9b\u6b3e\u622a\u6b62\u65e5\u671f\u64c1\u6709IRA\u7684\u500b\u4eba\u5fc5\u9808\u5728 2024 \u5e74 4 \u6708 15 \u65e5\u4e4b\u524d\uff08\u63d0\u4ea4 2023 \u5e74\u7a05\u8868\u7684\u622a\u6b62\u65e5\u671f\uff09\u8a2d\u7acb\u4e00\u500b\u65b0\u7684 IRA \u6216\u70ba\u73fe\u6709\u7684 IRA \u589e\u52a02023\u5e74\u7684\u8cc7\u91d1\u3002 \u7f85\u65af\u548c\u50b3\u7d71IRA\u90fd\u7b26\u5408\u689d\u4ef6\u3002\u64c1\u6709\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u756b\u7684\u500b\u4eba\u4ecd\u6709\u6642\u9593\u7e73\u7d0d\u5408\u683c\u7684\u9000\u4f11\u4f9b\u6b3e\uff0c\u4e26\u5728\u51762023 \u5e74\u7684\u7a05\u8868\u4e0a\u7372\u5f97\u5132\u84c4\u62b5\u514d\u512a\u60e0\u3002 \u5230\u4ee5\u4e0b\u5404\u9805\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u756b\u9078\u64c7\u6027\u905e\u5ef6\uff08\u4f9b\u6b3e\uff09\u5fc5\u9808\u572812\u670831\u65e5\u524d\u5b8c\u6210\uff1a 401(k) \u8a08\u5283\u3002 \u516c\u7acb\u5b78\u6821\u548c\u67d0\u4e9b\u514d\u7a05\u6a5f\u69cb\u7684\u50f1\u54e1\u7684403(b) \u8a08\u5283\u3002 \u5dde\u6216\u5730\u65b9\u653f\u5e9c\u50f1\u54e1\u7684\u653f\u5e9c457 \u8a08\u5283\u3002 \u806f\u90a6\u50f1\u54e1\u7684\u7bc0\u5109\u5132\u84c4\u8a08\u5283\uff08TSP\uff09\u3002\u8acb\u53c3\u95b1\u300a\u8868\u683c8880\uff0c\u5408\u683c\u9000\u4f11\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\u512a\u60e0\u300b \u7684\u8aaa\u660e\uff0c\u4ee5\u53d6\u5f97\u7b26\u5408\u8cc7\u683c\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u756b\u6e05\u55ae\u548c\u5176\u4ed6\u8a73\u7d30\u8cc7\u6599\u3002 \u8cc7\u683c\u689d\u4ef6\u7b26\u5408\u8cc7\u683c\u7684\u7d0d\u7a05\u4eba\u5fc5\u9808\u5e74\u6eff18 \u6b72\uff0c\u6c92\u6709\u88ab\u4ed6\u4eba\u7533\u5831\u70ba\u88ab \u64ab\u990a\u4eba\uff0c\u4e14\u4e0d\u662f\u5168\u8077\u5b78\u751f\u3002 \u5132\u6236\u62b5\u514d\u512a\u60e0\u6839\u64da\u7d0d\u7a05\u4eba\u7684\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u53ca\u5176\u5a5a\u59fb\u548c\u5831\u7a05\u8eab\u5206\u800c\u6709\u6536\u5165\u9650\u5236\u30022023\u5e74\u7684\u6536\u5165\u9650\u5236\u662f: \u5df2\u5a5a\u592b\u5a66\u806f\u5408\u5831\u7a05\uff1a\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u4e0d\u8d85\u904e73,000 \u7f8e\u5143\u3002 \u6236\u4e3b\uff1a\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\u4e0d\u8d85\u904e\u2026","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":232444,"url":"https:\/\/newsforchinese.com\/v3\/2022\/12\/24\/%e5%9c%8b%e7%a8%85%e5%b1%80%e7%b1%b2%e4%b8%ad%e4%bd%8e%e6%94%b6%e5%85%a5%e8%80%85%ef%bc%8c%e7%8f%be%e5%8f%af%e7%82%ba%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84%e6%ba%96%e5%82%99\/","url_meta":{"origin":231008,"position":5},"title":"\u570b\u7a05\u5c40\u7c72\u4e2d\u4f4e\u6536\u5165\u8005\uff0c\u73fe\u53ef\u70ba\u9000\u4f11\u5132\u84c4\u6e96\u5099","author":"Raymond","date":"December 24, 2022","format":false,"excerpt":"\u73fe\u5728\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u4ee5\u5f8c\u7372\u5f97\u7a05\u6536\u62b5\u514d\uff1a\u63d0\u9ad8\u7684\u5132\u6236\u62b5\u514d\u984d\u5ea6\u53ef\u4ee5\u5e6b\u52a9\u4e2d\u4f4e\u6536\u5165\u52d9\u5de5\u8005\u5728 2023 \u5e74\u5132\u84c4\u66f4\u591a\u3002 \u570b\u7a05\u5c40\u63d0\u9192\u4e2d\u4f4e\u6536\u5165\u52d9\u5de5\u8005\uff0c\u4ed6\u5011\u73fe\u5728\u53ef\u4ee5\u70ba\u9000\u4f11\u5132\u84c4\uff0c\u4e26\u53ef\u5728 2022 \u5e74\u53ca\u672a\u4f86\u5e7e\u5e74\u7372\u5f97\u7279\u5225\u7a05\u6536\u62b5\u514d\u3002 \u9000\u4f11\u91d1\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\uff0c\u4e5f\u7a31\u70ba\u5132\u6236\u62b5\u514d\uff0c\u53ef\u7528\u65bc\u62b5\u6d88\u52d9\u5de5\u8005\u81ea\u9858\u70ba\u500b\u4eba\u9000\u4f11\u5b89\u6392\u3001401(k) \u8a08\u5283\u548c\u985e\u4f3c\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u5283\u4f9b\u6b3e\u7684\u524d 2,000 \u7f8e\u5143\u4e2d\u7684\u4e00\u90e8\u5206\u3002\u8a72\u62b5\u514d\u984d\u9084\u5e6b\u52a9\u6709\u8cc7\u683c\u7684\u6b98\u969c\u4eba\u58eb\uff0c\u5982\u679c\u4ed6\u5011\u662f\u201c\u5be6\u73fe\u66f4\u7f8e\u597d\u751f\u6d3b\u9ad4\u9a57\u201d(ABLE) \u8cec\u6236\u6307\u5b9a\u53d7\u76ca\u4eba\uff0c\u8a72\u62b5\u514d\u5e6b\u52a9\u4ed6\u5011\u5411\u8a72\u8cec\u6236\u4f9b\u6b3e\u3002\u6709\u95dc ABLE \u8cec\u6236\u7684\u66f4\u591a\u4fe1\u606f\uff0c\u8acb\u53c3\u95b1 IRS.gov \u4e0a\u7684\u51fa\u7248\u7269 907\u3002 \u7d0d\u7a05\u4eba\u9664\u4e86\u4efb\u4f55\u5176\u5b83\u9069\u7528\u7684\u7a05\u6536\u512a\u60e0\u5916\uff0c\u9084\u53ef\u4ee5\u4eab\u53d7\u5132\u6236\u62b5\u514d\u3002 \u9084\u6709\u6642\u9593\u63a1\u53d6\u884c\u52d5 \u7b26\u5408\u689d\u4ef6\u7684\u4eba\u4ecd\u6709\u6642\u9593\u9032\u884c\u5408\u683c\u7684\u9000\u4f11\u4f9b\u6b3e\uff0c\u4e26\u5728 2022 \u5e74\u7684\u7a05\u8868\u4e2d\u7372\u5f97\u5132\u6236\u62b5\u514d\u3002\u4eba\u5011\u5fc5\u9808\u5728 2023 \u5e74 4 \u6708 18 \u65e5\uff08\u63d0\u4ea4 2022 \u5e74\u7533\u5831\u8868\u7684\u622a\u6b62\u65e5\u671f\uff09\u4e4b\u524d\u5efa\u7acb\u4e00\u500b\u65b0\u7684 IRA \u6216\u70ba\u73fe\u6709\u7684 IRA \u589e\u52a0 2022 \u5e74\u7684\u8cc7\u91d1\u3002 Roth \u548c\u50b3\u7d71 IRA \u90fd\u7b26\u5408\u689d\u4ef6\u3002 \u53e6\u4e00\u65b9\u9762\uff0c\u500b\u4eba\u5982\u679c\u53c3\u8207\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u5283\uff0c\u5247\u5fc5\u9808\u5728 2022 \u5e74\u5e95\u4e4b\u524d\u63a1\u53d6\u884c\u52d5\uff0c\u4ee5\u4fbf\u8a08\u5165\u4eca\u5e74\u7684\u4f9b\u6b3e\u3002\u9019\u610f\u5473\u8457\u5fc5\u9808\u5728 12 \u6708 31 \u65e5\u4e4b\u524d\u5c07\u9078\u64c7\u6027\u5ef6\u671f\uff08\u4f9b\u6b3e\uff09\u63d0\u4ea4\u7d66\uff1a \u2022\u00a0\u00a0\u00a0 401(k) \u8a08\u5283\u3002 \u2022\u00a0\u00a0\u00a0\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\/2021\/10\/Retirement.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/10\/Retirement.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/231008","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/comments?post=231008"}],"version-history":[{"count":3,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/231008\/revisions"}],"predecessor-version":[{"id":231380,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/231008\/revisions\/231380"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media\/105581"}],"wp:attachment":[{"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/media?parent=231008"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=231008"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=231008"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=231008"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}