{"id":232444,"date":"2022-12-24T22:16:45","date_gmt":"2022-12-25T06:16:45","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=232444"},"modified":"2022-12-24T22:17:24","modified_gmt":"2022-12-25T06:17:24","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u570b\u7a05\u5c40\u7c72\u4e2d\u4f4e\u6536\u5165\u8005\uff0c\u73fe\u53ef\u70ba\u9000\u4f11\u5132\u84c4\u6e96\u5099"},"content":{"rendered":"\n<p>\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<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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) 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\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; 401(k) \u8a08\u5283\u3002<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; 403(b) \u8a08\u5283\u9069\u7528\u65bc\u516c\u7acb\u5b78\u6821\u548c\u67d0\u4e9b\u514d\u7a05\u7d44\u7e54\u7684\u50f1\u54e1\u3002<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; \u5dde\u6216\u5730\u65b9\u653f\u5e9c\u50f1\u54e1\u7684\u653f\u5e9c457 \u8a08\u5283\u3002<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; \u806f\u90a6\u50f1\u54e1\u7684\u7bc0\u5109\u5132\u84c4\u8a08\u5283\uff08TSP\uff09\u3002<\/p>\n\n\n\n<p>\u5c0d\u67d0\u4e9b\u5176\u5b83\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u5283\u7684\u4f9b\u6b3e\u4e5f\u7b26\u5408\u689d\u4ef6\u3002\u6709\u95dc\u8a73\u7d30\u4fe1\u606f\uff0c\u8acb\u53c3\u95b1\u8868\u683c 8880\u7684\u8aaa\u660e\u3002<\/p>\n\n\n\n<p>\u4eca\u5e74\u7121\u6cd5\u5b58\u9322\u7684\u54e1\u5de5\u61c9\u76e1\u5feb\u5b89\u6392 2023 \u5e74\u7684\u4f9b\u6b3e\uff0c\u4ee5\u4fbf\u4ed6\u5011\u7684\u96c7\u4e3b\u53ef\u4ee5\u5728 1 \u6708\u4efd\u958b\u59cb\u6263\u6b3e\u3002<\/p>\n\n\n\n<p>\u8ab0\u6709\u8cc7\u683c<\/p>\n\n\n\n<p>\u5132\u6236\u62b5\u514d\u57fa\u65bc\u7d0d\u7a05\u6709\u6536\u5165\u9650\u5236\uff0c\u8a72\u9650\u5236\u57fa\u65bc\u8abf\u6574\u5f8c\u7684\u7e3d\u6536\u5165\uff0c\u53ca\u5a5a\u59fb\u6216\u7533\u5831\u72c0\u614b\u7684\u3002\u4f46\u7531\u65bc\u901a\u8ca8\u81a8\u8139\uff0c\u984d\u5ea6\u5c07\u5728 2023 \u5e74\u986f\u8457\u589e\u52a0\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5132\u6236\u62b5\u514d\u53ef\u4ee5\u7531\u4ee5\u4e0b\u500b\u4eba\u7533\u9818\uff1a<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; 2022 \u5e74\u6536\u5165\u4e0d\u8d85\u904e 68,000 \u7f8e\u5143\u6216 2023 \u5e74\u6536\u5165\u4e0d\u8d85\u904e 73,000 \u7f8e\u5143\u7684\u5df2\u5a5a\u592b\u5a66\u5171\u540c\u7533\u5831\u3002<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; 2022 \u5e74\u6536\u5165\u4e0d\u8d85\u904e 51,000 \u7f8e\u5143\u6216 2023 \u5e74\u6536\u5165\u4e0d\u8d85\u904e 54,750 \u7f8e\u5143\u7684\u6236\u4e3b\u3002<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; 2022 \u5e74\u6536\u5165\u4e0d\u8d85\u904e 34,000 \u7f8e\u5143\u6216 2023 \u5e74\u6536\u5165\u4e0d\u8d85\u904e 36,500 \u7f8e\u5143\u7684\u55ae\u8eab\u4eba\u58eb\u6216\u5df2\u5a5a\u5206\u5225\u5831\u7a05\u500b\u4eba\u3002<\/p>\n\n\n\n<p>\u8207\u5176\u5b83\u7a05\u6536\u62b5\u514d\u4e00\u6a23\uff0c\u5132\u6236\u62b5\u514d\u53ef\u4ee5\u589e\u52a0\u7d0d\u7a05\u4eba\u7684\u9000\u7a05\u6216\u6e1b\u5c11\u6240\u6b20\u7a05\u6b3e\u3002\u5118\u7ba1\u5132\u84c4\u8005\u7684\u6700\u9ad8\u62b5\u514d\u984d\u5ea6\u70ba 1,000 \u7f8e\u5143\uff08\u5df2\u5a5a\u592b\u5a66\u70ba 2,000 \u7f8e\u5143\uff09\uff0c\u4f46\u570b\u7a05\u5c40\u63d0\u9192\u8aaa\uff0c\u5b83\u901a\u5e38\u8981\u5c11\u5f97\u591a\uff0c\u800c\u4e14\u90e8\u5206\u7531\u65bc\u5176\u5b83\u6263\u9664\u548c\u62b5\u514d\u984d\u7684\u5f71\u97ff\uff0c\u5be6\u969b\u4e0a\u5c0d\u65bc\u67d0\u4e9b\u7d0d\u7a05\u4eba\u4f86\u8aaa\u53ef\u80fd\u70ba\u96f6\u3002<\/p>\n\n\n\n<p>\u7d0d\u7a05\u4eba\u7684\u62b5\u514d\u984d\u5ea6\u53d6\u6c7a\u65bc\u4ed6\u5011\u7684\u7533\u5831\u72c0\u614b\u3001\u8abf\u6574\u5f8c\u7684\u7e3d\u6536\u5165\u3001\u7d0d\u7a05\u7fa9\u52d9\u4ee5\u53ca\u5c0d\u5408\u683c\u9000\u4f11\u8a08\u5283\u6216 ABLE \u8cec\u6236\u7684\u4f9b\u6b3e\u984d\u3002\u8868\u683c8880\uff08\u82f1\u6587\uff09 \u7528\u65bc\u7533\u9818\u5132\u6236\u62b5\u514d\uff0c\u5176\u8aaa\u660e\u5305\u542b\u6709\u95dc\u6b63\u78ba\u8a08\u7b97\u4fe1\u7528\u984d\u5ea6\u7684\u8a73\u7d30\u4fe1\u606f\u3002<\/p>\n\n\n\n<p>\u5728 2020 \u7d0d\u7a05\u5e74\u5ea6\uff08\u53ef\u7372\u5f97\u5b8c\u6574\u6578\u64da\u7684\u6700\u8fd1\u4e00\u5e74\uff09\uff0c\u7d04\u6709 940 \u842c\u4efd\u500b\u4eba\u6240\u5f97\u7a05\u7533\u5831\u8868\u7533\u8acb\u4e86\u7e3d\u8a08\u8d85\u904e 17 \u5104\u7f8e\u5143\u7684\u5132\u6236\u62b5\u514d\u3002\u6bcf\u500b\u7b26\u5408\u689d\u4ef6\u7684\u56de\u5831\u5e73\u5747\u7d04\u70ba 186 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p>\u5132\u6236\u4fe1\u8cb8\u88dc\u5145\u4e86\u70ba\u9000\u4f11\u5132\u84c4\u7684\u4eba\u53ef\u4ee5\u7372\u5f97\u7684\u5176\u5b83\u7a05\u6536\u512a\u60e0\u3002\u4f8b\u5982\uff0c\u5927\u591a\u6578\u52d9\u5de5\u8005\u53ef\u80fd\u6703\u6263\u9664\u4ed6\u5011\u5c0d\u50b3\u7d71 IRA \u7684\u4f9b\u6b3e\u3002\u96d6\u7136 Roth IRA \u4f9b\u6b3e\u4e0d\u53ef\u6263\u9664\uff0c\u4f46\u7b26\u5408\u689d\u4ef6\u7684\u63d0\u6b3e\uff08\u901a\u5e38\u5728\u9000\u4f11\u5f8c\uff09\u662f\u514d\u7a05\u7684\u3002\u901a\u5e38\uff0c\u5c0d 401(k) \u548c\u985e\u4f3c\u5de5\u4f5c\u5834\u6240\u8a08\u5283\u7684\u4f9b\u6b3e\u5728\u63d0\u6b3e\u4e4b\u524d\u4e0d\u6703\u5fb5\u7a05\u3002<\/p>\n\n\n\n<p>\u4e00\u4e9b\u9650\u5236<\/p>\n\n\n\n<p>\u5132\u6236\u62b5\u514d\u7684\u5176\u5b83\u7279\u6b8a\u898f\u5247\u5305\u62ec\uff1a<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; \u7b26\u5408\u689d\u4ef6\u7684\u7d0d\u7a05\u4eba\u5fc5\u9808\u5e74\u6eff18 \u6b72\u3002<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; \u5728\u7a05\u8868\u4e0a\u8072\u7a31\u70ba\u4ed6\u4eba\u88ab\u6276\u990a\u4eba\u7684\u500b\u4eba\u90fd\u4e0d\u80fd\u7372\u5f97\u62b5\u514d\u3002<\/p>\n\n\n\n<p>\u2022&nbsp;&nbsp;&nbsp; \u5b78\u751f\u4e0d\u80fd\u7372\u5f97\u8a72\u62b5\u514d\u3002\u5728\u4e00\u5e74\u4e2d\u7684 5 \u500b\u65e5\u66c6\u6708\u7684\u4efb\u4f55\u6642\u9593\u8a3b\u518a\u70ba\u5168\u65e5\u5236\u5b78\u751f\u7684\u4eba\u90fd\u88ab\u8996\u70ba\u5b78\u751f\u3002<\/p>\n\n\n\n<p>\u4f86\u81ea\u9000\u4f11\u8a08\u5283\u6216 ABLE 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