{"id":282902,"date":"2025-09-14T06:05:00","date_gmt":"2025-09-14T13:05:00","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=282902"},"modified":"2025-09-10T23:00:29","modified_gmt":"2025-09-11T06:00:29","slug":"%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/","title":{"rendered":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\uff1a\u5584\u7528\u9000\u4f11\u5e33\u6236\u8207\u6148\u5584\u5de5\u5177\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">\u5c0d\u65bc\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u7a05\u52d9\u898f\u5283\u5f80\u5f80\u662f\u8ca1\u52d9\u7ba1\u7406\u4e2d\u6700\u91cd\u8981\u7684\u74b0\u7bc0\u4e4b\u4e00\u3002\u6536\u5165\u8d8a\u9ad8\uff0c\u908a\u969b\u7a05\u7387\u5c31\u8d8a\u9ad8\uff0c\u4e00\u65e6\u898f\u5283\u4e0d\u7576\uff0c\u53ef\u80fd\u8981\u7e73\u7d0d\u6bd4\u5fc5\u8981\u66f4\u591a\u7684\u7a05\u6b3e\u3002\u900f\u904e\u6b63\u78ba\u7684\u7bc0\u7a05\u5de5\u5177\uff0c\u4e0d\u50c5\u53ef\u4ee5\u6e1b\u8f15\u7576\u4e0b\u7684\u7a05\u52d9\u8ca0\u64d4\uff0c\u9084\u80fd\u517c\u9867\u9577\u671f\u9000\u4f11\u6e96\u5099\u8207\u6148\u5584\u6350\u8d08\u5b89\u6392\u3002\u4ee5\u4e0b\u5c07\u4ecb\u7d39 401(k)\u3001Mega Backdoor Roth IRA\u3001HSA\uff08\u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff09\u4ee5\u53ca Donor-Advised Fund\uff08DAF\uff0c\u6148\u5584\u6350\u8d08\u57fa\u91d1\uff09 \u7b49\u56db\u5927\u5de5\u5177\uff0c\u4e26\u63a2\u8a0e\u5176\u5728\u9ad8\u6536\u5165\u65cf\u7fa4\u7bc0\u7a05\u7b56\u7565\u4e2d\u7684\u61c9\u7528\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e00\u3001\u6700\u5927\u5316\u50b3\u7d71\u8207<\/strong><strong>Roth 401(k)<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">401(k) \u662f\u7f8e\u570b\u6700\u5e38\u898b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\u4e4b\u4e00\uff0c\u4e5f\u662f\u9ad8\u6536\u5165\u65cf\u7fa4\u6700\u5148\u61c9\u8a72\u8003\u616e\u7684\u7bc0\u7a05\u65b9\u5f0f\u3002\u54e1\u5de5\u53ef\u4ee5\u9078\u64c7\u5c07\u90e8\u5206\u85aa\u8cc7\u6295\u5165\u50b3\u7d71 401(k)\uff0c\u9019\u7b46\u91d1\u984d\u6703\u5728\u8a08\u7b97\u7576\u5e74\u61c9\u7a05\u6536\u5165\u524d\u6263\u9664\uff0c\u5f9e\u800c\u964d\u4f4e\u6240\u5f97\u7a05\u8ca0\u30022025 \u5e74\u7684\u500b\u4eba\u5e74\u5ea6\u4e0a\u9650\u70ba 23,000 \u7f8e\u5143\uff0c\u82e5\u5e74\u6eff 50 \u6b72\uff0c\u9084\u53ef\u984d\u5916\u7e73\u7d0d 7,500 \u7f8e\u5143 catch-up contribution\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9664\u4e86\u50b3\u7d71 401(k)\uff0c\u8a31\u591a\u516c\u53f8\u9084\u63d0\u4f9b Roth 401(k)\u3002\u96d6\u7136\u6295\u5165\u91d1\u984d\u4e0d\u80fd\u62b5\u7a05\uff0c\u4f46\u672a\u4f86\u9000\u4f11\u6642\u63d0\u9818\u53ef\u514d\u7a05\u3002\u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u5169\u8005\u4e4b\u9593\u7684\u914d\u7f6e\u53ef\u4f9d\u7167\u672a\u4f86\u7a05\u7387\u9810\u671f\u4f86\u8abf\u6574\uff1a\u82e5\u8a8d\u70ba\u9000\u4f11\u5f8c\u7a05\u7387\u8f03\u4f4e\uff0c\u53ef\u4ee5\u504f\u5411\u50b3\u7d71 401(k)\uff1b\u82e5\u9810\u671f\u672a\u4f86\u7a05\u7387\u6703\u66f4\u9ad8\uff0c\u5247 Roth 401(k) \u66f4\u5177\u5438\u5f15\u529b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u66f4\u91cd\u8981\u7684\u662f\uff0c\u9ad8\u6536\u5165\u5c08\u696d\u4eba\u58eb\u61c9\u78ba\u4fdd\u5145\u5206\u5229\u7528 \u96c7\u4e3b\u914d\u5c0d\uff08employer match\uff09\uff0c\u5426\u5247\u7b49\u65bc\u767d\u767d\u653e\u68c4\u4e00\u7b46\u7121\u98a8\u96aa\u7684\u300c\u514d\u8cbb\u5831\u916c\u300d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e8c\u3001<\/strong><strong>Mega Backdoor Roth IRA<\/strong><strong>\uff1a\u7a81\u7834\u6536\u5165\u9650\u5236\u7684\u5229\u5668<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u50b3\u7d71\u7684 Roth IRA \u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u6709\u9650\u5236\u30022025 \u5e74\u55ae\u8eab\u4eba\u58eb\u82e5\u6536\u5165\u8d85\u904e 161,000 \u7f8e\u5143\uff0c\u5c31\u7121\u6cd5\u76f4\u63a5\u9032\u884c Roth IRA \u7684\u5168\u984d\u8ca2\u737b\u3002\u7136\u800c\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u4ecd\u80fd\u900f\u904e Mega Backdoor Roth IRA\uff0c\u5c07\u66f4\u591a\u8cc7\u91d1\u5408\u6cd5\u8f49\u5165 Roth \u5e33\u6236\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u64cd\u4f5c\u65b9\u5f0f\u662f\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u5728\u5b8c\u6210 401(k) \u7684\u57fa\u672c\u7e73\u7d0d\uff0823,000 \u7f8e\u5143\u4e0a\u9650\uff09\u5f8c\uff0c\u90e8\u5206\u4f01\u696d\u5141\u8a31\u54e1\u5de5\u518d\u9032\u884c \u7a05\u5f8c\uff08after-tax\uff09\u7e73\u7d0d\uff0c\u76f4\u81f3\u5e74\u5ea6\u7e3d\u984d\u4e0a\u9650 69,000 \u7f8e\u5143\uff08\u542b\u96c7\u4e3b\u914d\u5c0d\uff09\u3002<\/li>\n\n\n\n<li>\u7136\u5f8c\uff0c\u5c07\u9019\u7b46\u7a05\u5f8c\u7e73\u7d0d\u91d1\u984d\u8f49\u5165 Roth IRA \u6216 Roth 401(k)\u3002<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u6a23\u4e00\u4f86\uff0c\u9ad8\u6536\u5165\u4eba\u58eb\u6bcf\u5e74\u53ef\u984d\u5916\u5c07\u6578\u842c\u7f8e\u5143\u8f49\u5165 Roth \u5e33\u6236\uff0c\u672a\u4f86\u589e\u503c\u8207\u63d0\u9818\u7686\u514d\u7a05\uff0c\u5c0d\u9577\u671f\u8ca1\u5bcc\u7d2f\u7a4d\u6975\u5177\u5438\u5f15\u529b\u3002\u7531\u65bc\u64cd\u4f5c\u6d89\u53ca\u516c\u53f8\u8a08\u756b\u7d30\u7bc0\u8207\u7a05\u52d9\u898f\u5247\uff0c\u5efa\u8b70\u8207\u8ca1\u52d9\u9867\u554f\u5408\u4f5c\uff0c\u4ee5\u907f\u514d\u56e0\u8f49\u63db\u4e0d\u7576\u800c\u89f8\u767c\u7a05\u52d9\u554f\u984c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e09\u3001<\/strong><strong>HSA<\/strong><strong>\uff1a\u4e09\u91cd\u514d\u7a05\u7684\u5065\u5eb7\u5132\u84c4\u5e33\u6236<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u82e5\u64c1\u6709 \u9ad8\u81ea\u4ed8\u984d\u5065\u5eb7\u4fdd\u96aa\u8a08\u756b\uff08HDHP\uff09\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u53ef\u4ee5\u5229\u7528 HSA\uff08Health Savings Account\uff09 \u9032\u4e00\u6b65\u7bc0\u7a05\u3002HSA \u7684\u7368\u7279\u4e4b\u8655\u5728\u65bc \u300c\u4e09\u91cd\u514d\u7a05\u300d\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u7e73\u7d0d\u6642\u53ef\u62b5\u7a05\uff0c\u964d\u4f4e\u7576\u5e74\u61c9\u7a05\u6536\u5165\u3002<\/li>\n\n\n\n<li>\u5e33\u6236\u5167\u6295\u8cc7\u514d\u7a05\u589e\u503c\uff0c\u9577\u671f\u7d2f\u7a4d\u6548\u76ca\u5927\u3002<\/li>\n\n\n\n<li>\u7b26\u5408\u91ab\u7642\u652f\u51fa\u7684\u63d0\u9818\u514d\u7a05\uff0c\u7528\u9014\u9748\u6d3b\u3002<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">2025 \u5e74\u7684\u7e73\u7d0d\u4e0a\u9650\u70ba\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u500b\u4eba\uff1a4,300 \u7f8e\u5143<\/li>\n\n\n\n<li>\u5bb6\u5ead\uff1a8,550 \u7f8e\u5143<\/li>\n\n\n\n<li>55 \u6b72\u4ee5\u4e0a\u9084\u53ef\u984d\u5916\u7e73\u7d0d 1,000 \u7f8e\u5143\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8a31\u591a\u9ad8\u6536\u5165\u4eba\u58eb\u751a\u81f3\u5c07 HSA \u8996\u70ba\u300c\u96b1\u5f62\u9000\u4f11\u5e33\u6236\u300d\uff0c\u56e0\u70ba\u91ab\u7642\u652f\u51fa\u5728\u9000\u4f11\u5f8c\u901a\u5e38\u662f\u6700\u5927\u8ca0\u64d4\u4e4b\u4e00\u3002\u900f\u904e\u9577\u671f\u6295\u8cc7\uff0cHSA \u4e0d\u50c5\u662f\u91ab\u7642\u8cbb\u7684\u5f8c\u76fe\uff0c\u4e5f\u80fd\u5728\u9000\u4f11\u898f\u5283\u4e2d\u626e\u6f14\u95dc\u9375\u89d2\u8272\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u56db\u3001<\/strong><strong>Donor-Advised Fund<\/strong><strong>\uff1a\u8070\u660e\u7684\u6148\u5584\u6350\u8d08<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c0d\u65bc\u9ad8\u6536\u5165\u65cf\u7fa4\u4f86\u8aaa\uff0c\u6148\u5584\u6350\u8d08\u4e0d\u50c5\u662f\u793e\u6703\u8cac\u4efb\uff0c\u4e5f\u662f\u4e00\u7a2e\u7a05\u52d9\u898f\u5283\u5de5\u5177\u3002Donor-Advised Fund\uff08DAF\uff09 \u8fd1\u5e74\u4f86\u9010\u6f38\u53d7\u5230\u9752\u775e\uff0c\u539f\u56e0\u5728\u65bc\u5b83\u7d50\u5408\u4e86 \u7acb\u5373\u62b5\u7a05\u8207\u9748\u6d3b\u5206\u914d \u7684\u512a\u52e2\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u904b\u4f5c\u65b9\u5f0f\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6350\u8d08\u8005\u4e00\u6b21\u6027\u5c07\u5927\u984d\u8cc7\u91d1\u6216\u8cc7\u7522\uff08\u5982\u80a1\u7968\uff09\u6ce8\u5165 DAF\uff0c\u7576\u5e74\u5373\u53ef\u7372\u5f97 \u5168\u984d\u62b5\u7a05\u3002<\/li>\n\n\n\n<li>\u4e4b\u5f8c\u53ef\u5206\u5e74\u5c07\u8cc7\u91d1\u9010\u6b65\u5206\u914d\u7d66\u6148\u5584\u6a5f\u69cb\uff0c\u800c\u7121\u9700\u4e00\u6b21\u5168\u984d\u6350\u51fa\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u5c0d\u65bc\u67d0\u4e00\u5e74\u6709 \u8cc7\u672c\u5229\u5f97\u6216\u734e\u91d1\u6536\u5165\u7279\u5225\u9ad8 \u7684\u65cf\u7fa4\u7279\u5225\u6709\u5229\u3002\u4ed6\u5011\u53ef\u4ee5\u5148\u900f\u904e DAF \u9396\u5b9a\u7576\u5e74\u7684\u62b5\u7a05\u984d\uff0c\u518d\u5728\u672a\u4f86\u5e7e\u5e74\u6162\u6162\u898f\u5283\u6148\u5584\u652f\u51fa\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b64\u5916\uff0c\u6350\u8d08\u80a1\u7968\u6216\u5176\u4ed6\u589e\u503c\u8cc7\u7522\u5230 DAF\uff0c\u53ef\u514d\u9664\u8cc7\u672c\u5229\u5f97\u7a05\uff0c\u6bd4\u73fe\u91d1\u6350\u8d08\u66f4\u5177\u7a05\u52d9\u6548\u7387\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e94\u3001\u7d9c\u5408\u898f\u5283\uff1a\u7a05\u52d9\u8207\u8ca1\u5bcc\u7684\u5e73\u8861<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7bc0\u7a05\u4e26\u975e\u55ae\u4e00\u5de5\u5177\u7684\u4f7f\u7528\uff0c\u800c\u662f\u9700\u8981 \u7d9c\u5408\u898f\u5283\u3002\u8209\u4f8b\u4f86\u8aaa\uff0c\u9ad8\u6536\u5165\u5bb6\u5ead\u53ef\u4ee5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5148\u6700\u5927\u5316 401(k) \u8207 HSA \u7684\u7e73\u7d0d\uff0c\u964d\u4f4e\u61c9\u7a05\u6536\u5165\u3002<\/li>\n\n\n\n<li>\u82e5\u516c\u53f8\u5141\u8a31\uff0c\u9032\u4e00\u6b65\u5229\u7528 Mega Backdoor Roth IRA\uff0c\u5c07\u66f4\u591a\u8cc7\u7522\u8f49\u5165 Roth \u5e33\u6236\u3002<\/li>\n\n\n\n<li>\u82e5\u67d0\u4e00\u5e74\u6536\u5165\u7279\u5225\u9ad8\uff0c\u5247\u8003\u616e\u555f\u52d5 DAF\uff0c\u65e2\u80fd\u62b5\u7a05\uff0c\u53c8\u80fd\u517c\u9867\u6148\u5584\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u900f\u904e\u9019\u4e9b\u5de5\u5177\u7684\u9748\u6d3b\u642d\u914d\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u4e0d\u50c5\u80fd\u6e1b\u5c11\u7576\u4e0b\u7a05\u8ca0\uff0c\u9084\u80fd\u70ba\u9000\u4f11\u751f\u6d3b\u8207\u4e0b\u4e00\u4ee3\u5efa\u7acb\u66f4\u7a69\u56fa\u7684\u8ca1\u52d9\u57fa\u790e\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u9ad8\u7a05\u7387\u74b0\u5883\u4e0b\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u82e5\u5ffd\u8996\u7a05\u52d9\u898f\u5283\uff0c\u5f80\u5f80\u6703\u767d\u767d\u6d41\u5931\u5927\u91cf\u8ca1\u5bcc\u3002401(k)\u3001Mega Backdoor Roth IRA\u3001HSA \u8207 Donor-Advised Fund \u9019\u56db\u5927\u5de5\u5177\uff0c\u70ba\u4ed6\u5011\u63d0\u4f9b\u4e86\u5408\u6cd5\u4e14\u6709\u6548\u7684\u7bc0\u7a05\u9014\u5f91\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c08\u5bb6\u5efa\u8b70\uff0c\u9019\u4e9b\u7b56\u7565\u7684\u8a2d\u8a08\u61c9\u7d50\u5408 \u500b\u4eba\u7a05\u7387\u3001\u5bb6\u5ead\u9700\u6c42\u3001\u9000\u4f11\u76ee\u6a19\u8207\u6148\u5584\u610f\u9858\uff0c\u4e26\u8207\u5c08\u696d\u7406\u8ca1\u9867\u554f\u8207\u6703\u8a08\u5e2b\u5408\u4f5c\uff0c\u624d\u80fd\u9054\u5230\u6700\u4f73\u6548\u679c\u3002\u5c0d\u9ad8\u6536\u5165\u8005\u800c\u8a00\uff0c\u7bc0\u7a05\u4e0d\u662f\u55ae\u7d14\u7684\u7701\u9322\uff0c\u800c\u662f\u667a\u6167\u8ca1\u52d9\u7ba1\u7406\u7684\u91cd\u8981\u4e00\u74b0\uff0c\u4e5f\u662f\u5be6\u73fe\u8ca1\u5bcc\u50b3\u627f\u8207\u793e\u6703\u8cac\u4efb\u7684\u95dc\u9375\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6587\/\u65fa\u8ca1<\/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=\"1757829900\"\r\n\t            data-title=\"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\uff1a\u5584\u7528\u9000\u4f11\u5e33\u6236\u8207\u6148\u5584\u5de5\u5177\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":true,"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":[1744,1702,1717,4817],"series":[],"class_list":["post-282902","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local","category-money","category-opinion","tag-1744","tag-1702","tag-1717","tag-4817"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\uff1a\u5584\u7528\u9000\u4f11\u5e33\u6236\u8207\u6148\u5584\u5de5\u5177\u3002 \u5c0d\u65bc\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u7a05\u52d9\u898f\u5283\u5f80\u5f80\u662f\u8ca1\u52d9\u7ba1\u7406\u4e2d\u6700\u91cd\u8981\u7684\u74b0\u7bc0\u4e4b\u4e00\u3002\u6536\u5165\u8d8a\u9ad8\uff0c\u908a\u969b\u7a05\u7387\u5c31\u8d8a\u9ad8\uff0c\u4e00\u65e6\u898f\u5283\u4e0d\u7576\uff0c\u53ef\u80fd\u8981\u7e73\u7d0d\u6bd4\u5fc5\u8981\u66f4\u591a\u7684\u7a05\u6b3e\u3002\u900f\u904e\u6b63\u78ba\u7684\u7bc0\u7a05\u5de5\u5177\uff0c\u4e0d\u50c5\u53ef\u4ee5\u6e1b\u8f15\u7576\u4e0b\u7684\u7a05\u52d9\u8ca0\u64d4\uff0c\u9084\u80fd\u517c\u9867\u9577\u671f\u9000\u4f11\u6e96\u5099\u8207\u6148\u5584\u6350\u8d08\u5b89\u6392\u3002\u4ee5\u4e0b\u5c07\u4ecb\u7d39 401(k)\u3001Mega Backdoor Roth IRA\u3001HSA\uff08\u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff09\u4ee5\u53ca Donor-Advised Fund\uff08DAF\uff0c\u6148\u5584\u6350\u8d08\u57fa\u91d1\uff09 \u7b49\u56db\u5927\u5de5\u5177\uff0c\u4e26\u63a2\u8a0e\u5176\u5728\u9ad8\u6536\u5165\u65cf\u7fa4\u7bc0\u7a05\u7b56\u7565\u4e2d\u7684\u61c9\u7528\u3002 \u4e00\u3001\u6700\u5927\u5316\u50b3\u7d71\u8207Roth 401(k) 401(k) \u662f\u7f8e\u570b\u6700\u5e38\u898b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\u4e4b\u4e00\uff0c\u4e5f\u662f\u9ad8\u6536\u5165\u65cf\u7fa4\u6700\u5148\u61c9\u8a72\u8003\u616e\u7684\u7bc0\u7a05\u65b9\u5f0f\u3002\u54e1\u5de5\u53ef\u4ee5\u9078\u64c7\u5c07\u90e8\u5206\u85aa\u8cc7\u6295\u5165\u50b3\u7d71 401(k)\uff0c\u9019\u7b46\u91d1\u984d\u6703\u5728\u8a08\u7b97\u7576\u5e74\u61c9\u7a05\u6536\u5165\u524d\u6263\u9664\uff0c\u5f9e\u800c\u964d\u4f4e\u6240\u5f97\u7a05\u8ca0\u30022025 \u5e74\u7684\u500b\u4eba\u5e74\u5ea6\u4e0a\u9650\u70ba 23,000 \u7f8e\u5143\uff0c\u82e5\u5e74\u6eff 50 \u6b72\uff0c\u9084\u53ef\u984d\u5916\u7e73\u7d0d 7,500 \u7f8e\u5143 catch-up contribution\u3002 \u9664\u4e86\u50b3\u7d71 401(k)\uff0c\u8a31\u591a\u516c\u53f8\u9084\u63d0\u4f9b Roth 401(k)\u3002\u96d6\u7136\u6295\u5165\u91d1\u984d\u4e0d\u80fd\u62b5\u7a05\uff0c\u4f46\u672a\u4f86\u9000\u4f11\u6642\u63d0\u9818\u53ef\u514d\u7a05\u3002\u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u5169\u8005\u4e4b\u9593\u7684\u914d\u7f6e\u53ef\u4f9d\u7167\u672a\u4f86\u7a05\u7387\u9810\u671f\u4f86\u8abf\u6574\uff1a\u82e5\u8a8d\u70ba\u9000\u4f11\u5f8c\u7a05\u7387\u8f03\u4f4e\uff0c\u53ef\u4ee5\u504f\u5411\u50b3\u7d71 401(k)\uff1b\u82e5\u9810\u671f\u672a\u4f86\u7a05\u7387\u6703\u66f4\u9ad8\uff0c\u5247 Roth 401(k) \u66f4\u5177\u5438\u5f15\u529b\u3002 \u66f4\u91cd\u8981\u7684\u662f\uff0c\u9ad8\u6536\u5165\u5c08\u696d\u4eba\u58eb\u61c9\u78ba\u4fdd\u5145\u5206\u5229\u7528 \u96c7\u4e3b\u914d\u5c0d\uff08employer match\uff09\uff0c\u5426\u5247\u7b49\u65bc\u767d\u767d\u653e\u68c4\u4e00\u7b46\u7121\u98a8\u96aa\u7684\u300c\u514d\u8cbb\u5831\u916c\u300d\u3002 \u4e8c\u3001Mega Backdoor Roth IRA\uff1a\u7a81\u7834\u6536\u5165\u9650\u5236\u7684\u5229\u5668 \u50b3\u7d71\u7684 Roth IRA \u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u6709\u9650\u5236\u30022025 \u5e74\u55ae\u8eab\u4eba\u58eb\u82e5\u6536\u5165\u8d85\u904e 161,000 \u7f8e\u5143\uff0c\u5c31\u7121\u6cd5\u76f4\u63a5\u9032\u884c Roth IRA \u7684\u5168\u984d\u8ca2\u737b\u3002\u7136\u800c\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u4ecd\u80fd\u900f\u904e Mega Backdoor Roth IRA\uff0c\u5c07\u66f4\u591a\u8cc7\u91d1\u5408\u6cd5\u8f49\u5165 Roth \u5e33\u6236\u3002 \u64cd\u4f5c\u65b9\u5f0f\u662f\uff1a\" \/>\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\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.9\" \/>\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=\"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236 - 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=\"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\uff1a\u5584\u7528\u9000\u4f11\u5e33\u6236\u8207\u6148\u5584\u5de5\u5177\u3002 \u5c0d\u65bc\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u7a05\u52d9\u898f\u5283\u5f80\u5f80\u662f\u8ca1\u52d9\u7ba1\u7406\u4e2d\u6700\u91cd\u8981\u7684\u74b0\u7bc0\u4e4b\u4e00\u3002\u6536\u5165\u8d8a\u9ad8\uff0c\u908a\u969b\u7a05\u7387\u5c31\u8d8a\u9ad8\uff0c\u4e00\u65e6\u898f\u5283\u4e0d\u7576\uff0c\u53ef\u80fd\u8981\u7e73\u7d0d\u6bd4\u5fc5\u8981\u66f4\u591a\u7684\u7a05\u6b3e\u3002\u900f\u904e\u6b63\u78ba\u7684\u7bc0\u7a05\u5de5\u5177\uff0c\u4e0d\u50c5\u53ef\u4ee5\u6e1b\u8f15\u7576\u4e0b\u7684\u7a05\u52d9\u8ca0\u64d4\uff0c\u9084\u80fd\u517c\u9867\u9577\u671f\u9000\u4f11\u6e96\u5099\u8207\u6148\u5584\u6350\u8d08\u5b89\u6392\u3002\u4ee5\u4e0b\u5c07\u4ecb\u7d39 401(k)\u3001Mega Backdoor Roth IRA\u3001HSA\uff08\u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff09\u4ee5\u53ca Donor-Advised Fund\uff08DAF\uff0c\u6148\u5584\u6350\u8d08\u57fa\u91d1\uff09 \u7b49\u56db\u5927\u5de5\u5177\uff0c\u4e26\u63a2\u8a0e\u5176\u5728\u9ad8\u6536\u5165\u65cf\u7fa4\u7bc0\u7a05\u7b56\u7565\u4e2d\u7684\u61c9\u7528\u3002 \u4e00\u3001\u6700\u5927\u5316\u50b3\u7d71\u8207Roth 401(k) 401(k) \u662f\u7f8e\u570b\u6700\u5e38\u898b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\u4e4b\u4e00\uff0c\u4e5f\u662f\u9ad8\u6536\u5165\u65cf\u7fa4\u6700\u5148\u61c9\u8a72\u8003\u616e\u7684\u7bc0\u7a05\u65b9\u5f0f\u3002\u54e1\u5de5\u53ef\u4ee5\u9078\u64c7\u5c07\u90e8\u5206\u85aa\u8cc7\u6295\u5165\u50b3\u7d71 401(k)\uff0c\u9019\u7b46\u91d1\u984d\u6703\u5728\u8a08\u7b97\u7576\u5e74\u61c9\u7a05\u6536\u5165\u524d\u6263\u9664\uff0c\u5f9e\u800c\u964d\u4f4e\u6240\u5f97\u7a05\u8ca0\u30022025 \u5e74\u7684\u500b\u4eba\u5e74\u5ea6\u4e0a\u9650\u70ba 23,000 \u7f8e\u5143\uff0c\u82e5\u5e74\u6eff 50 \u6b72\uff0c\u9084\u53ef\u984d\u5916\u7e73\u7d0d 7,500 \u7f8e\u5143 catch-up contribution\u3002 \u9664\u4e86\u50b3\u7d71 401(k)\uff0c\u8a31\u591a\u516c\u53f8\u9084\u63d0\u4f9b Roth 401(k)\u3002\u96d6\u7136\u6295\u5165\u91d1\u984d\u4e0d\u80fd\u62b5\u7a05\uff0c\u4f46\u672a\u4f86\u9000\u4f11\u6642\u63d0\u9818\u53ef\u514d\u7a05\u3002\u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u5169\u8005\u4e4b\u9593\u7684\u914d\u7f6e\u53ef\u4f9d\u7167\u672a\u4f86\u7a05\u7387\u9810\u671f\u4f86\u8abf\u6574\uff1a\u82e5\u8a8d\u70ba\u9000\u4f11\u5f8c\u7a05\u7387\u8f03\u4f4e\uff0c\u53ef\u4ee5\u504f\u5411\u50b3\u7d71 401(k)\uff1b\u82e5\u9810\u671f\u672a\u4f86\u7a05\u7387\u6703\u66f4\u9ad8\uff0c\u5247 Roth 401(k) \u66f4\u5177\u5438\u5f15\u529b\u3002 \u66f4\u91cd\u8981\u7684\u662f\uff0c\u9ad8\u6536\u5165\u5c08\u696d\u4eba\u58eb\u61c9\u78ba\u4fdd\u5145\u5206\u5229\u7528 \u96c7\u4e3b\u914d\u5c0d\uff08employer match\uff09\uff0c\u5426\u5247\u7b49\u65bc\u767d\u767d\u653e\u68c4\u4e00\u7b46\u7121\u98a8\u96aa\u7684\u300c\u514d\u8cbb\u5831\u916c\u300d\u3002 \u4e8c\u3001Mega Backdoor Roth IRA\uff1a\u7a81\u7834\u6536\u5165\u9650\u5236\u7684\u5229\u5668 \u50b3\u7d71\u7684 Roth IRA \u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u6709\u9650\u5236\u30022025 \u5e74\u55ae\u8eab\u4eba\u58eb\u82e5\u6536\u5165\u8d85\u904e 161,000 \u7f8e\u5143\uff0c\u5c31\u7121\u6cd5\u76f4\u63a5\u9032\u884c Roth IRA \u7684\u5168\u984d\u8ca2\u737b\u3002\u7136\u800c\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u4ecd\u80fd\u900f\u904e Mega Backdoor Roth IRA\uff0c\u5c07\u66f4\u591a\u8cc7\u91d1\u5408\u6cd5\u8f49\u5165 Roth \u5e33\u6236\u3002 \u64cd\u4f5c\u65b9\u5f0f\u662f\uff1a\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/\" \/>\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=\"2025-09-14T13:05:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2025-09-11T06:00:29+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236 - 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=\"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\uff1a\u5584\u7528\u9000\u4f11\u5e33\u6236\u8207\u6148\u5584\u5de5\u5177\u3002 \u5c0d\u65bc\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u7a05\u52d9\u898f\u5283\u5f80\u5f80\u662f\u8ca1\u52d9\u7ba1\u7406\u4e2d\u6700\u91cd\u8981\u7684\u74b0\u7bc0\u4e4b\u4e00\u3002\u6536\u5165\u8d8a\u9ad8\uff0c\u908a\u969b\u7a05\u7387\u5c31\u8d8a\u9ad8\uff0c\u4e00\u65e6\u898f\u5283\u4e0d\u7576\uff0c\u53ef\u80fd\u8981\u7e73\u7d0d\u6bd4\u5fc5\u8981\u66f4\u591a\u7684\u7a05\u6b3e\u3002\u900f\u904e\u6b63\u78ba\u7684\u7bc0\u7a05\u5de5\u5177\uff0c\u4e0d\u50c5\u53ef\u4ee5\u6e1b\u8f15\u7576\u4e0b\u7684\u7a05\u52d9\u8ca0\u64d4\uff0c\u9084\u80fd\u517c\u9867\u9577\u671f\u9000\u4f11\u6e96\u5099\u8207\u6148\u5584\u6350\u8d08\u5b89\u6392\u3002\u4ee5\u4e0b\u5c07\u4ecb\u7d39 401(k)\u3001Mega Backdoor Roth IRA\u3001HSA\uff08\u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff09\u4ee5\u53ca Donor-Advised Fund\uff08DAF\uff0c\u6148\u5584\u6350\u8d08\u57fa\u91d1\uff09 \u7b49\u56db\u5927\u5de5\u5177\uff0c\u4e26\u63a2\u8a0e\u5176\u5728\u9ad8\u6536\u5165\u65cf\u7fa4\u7bc0\u7a05\u7b56\u7565\u4e2d\u7684\u61c9\u7528\u3002 \u4e00\u3001\u6700\u5927\u5316\u50b3\u7d71\u8207Roth 401(k) 401(k) \u662f\u7f8e\u570b\u6700\u5e38\u898b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\u4e4b\u4e00\uff0c\u4e5f\u662f\u9ad8\u6536\u5165\u65cf\u7fa4\u6700\u5148\u61c9\u8a72\u8003\u616e\u7684\u7bc0\u7a05\u65b9\u5f0f\u3002\u54e1\u5de5\u53ef\u4ee5\u9078\u64c7\u5c07\u90e8\u5206\u85aa\u8cc7\u6295\u5165\u50b3\u7d71 401(k)\uff0c\u9019\u7b46\u91d1\u984d\u6703\u5728\u8a08\u7b97\u7576\u5e74\u61c9\u7a05\u6536\u5165\u524d\u6263\u9664\uff0c\u5f9e\u800c\u964d\u4f4e\u6240\u5f97\u7a05\u8ca0\u30022025 \u5e74\u7684\u500b\u4eba\u5e74\u5ea6\u4e0a\u9650\u70ba 23,000 \u7f8e\u5143\uff0c\u82e5\u5e74\u6eff 50 \u6b72\uff0c\u9084\u53ef\u984d\u5916\u7e73\u7d0d 7,500 \u7f8e\u5143 catch-up contribution\u3002 \u9664\u4e86\u50b3\u7d71 401(k)\uff0c\u8a31\u591a\u516c\u53f8\u9084\u63d0\u4f9b Roth 401(k)\u3002\u96d6\u7136\u6295\u5165\u91d1\u984d\u4e0d\u80fd\u62b5\u7a05\uff0c\u4f46\u672a\u4f86\u9000\u4f11\u6642\u63d0\u9818\u53ef\u514d\u7a05\u3002\u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u5169\u8005\u4e4b\u9593\u7684\u914d\u7f6e\u53ef\u4f9d\u7167\u672a\u4f86\u7a05\u7387\u9810\u671f\u4f86\u8abf\u6574\uff1a\u82e5\u8a8d\u70ba\u9000\u4f11\u5f8c\u7a05\u7387\u8f03\u4f4e\uff0c\u53ef\u4ee5\u504f\u5411\u50b3\u7d71 401(k)\uff1b\u82e5\u9810\u671f\u672a\u4f86\u7a05\u7387\u6703\u66f4\u9ad8\uff0c\u5247 Roth 401(k) \u66f4\u5177\u5438\u5f15\u529b\u3002 \u66f4\u91cd\u8981\u7684\u662f\uff0c\u9ad8\u6536\u5165\u5c08\u696d\u4eba\u58eb\u61c9\u78ba\u4fdd\u5145\u5206\u5229\u7528 \u96c7\u4e3b\u914d\u5c0d\uff08employer match\uff09\uff0c\u5426\u5247\u7b49\u65bc\u767d\u767d\u653e\u68c4\u4e00\u7b46\u7121\u98a8\u96aa\u7684\u300c\u514d\u8cbb\u5831\u916c\u300d\u3002 \u4e8c\u3001Mega Backdoor Roth IRA\uff1a\u7a81\u7834\u6536\u5165\u9650\u5236\u7684\u5229\u5668 \u50b3\u7d71\u7684 Roth IRA \u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u6709\u9650\u5236\u30022025 \u5e74\u55ae\u8eab\u4eba\u58eb\u82e5\u6536\u5165\u8d85\u904e 161,000 \u7f8e\u5143\uff0c\u5c31\u7121\u6cd5\u76f4\u63a5\u9032\u884c Roth IRA \u7684\u5168\u984d\u8ca2\u737b\u3002\u7136\u800c\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u4ecd\u80fd\u900f\u904e Mega Backdoor Roth IRA\uff0c\u5c07\u66f4\u591a\u8cc7\u91d1\u5408\u6cd5\u8f49\u5165 Roth \u5e33\u6236\u3002 \u64cd\u4f5c\u65b9\u5f0f\u662f\uff1a\" \/>\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\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#blogposting\",\"name\":\"\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u7684\\u7bc0\\u7a05\\u7b56\\u7565\\u5584\\u7528\\u9000\\u4f11\\u5e33\\u6236 - News for Chinese \\uff0d \\u820a\\u91d1\\u5c71\\u7063\\u5340No.1\\u514d\\u8cbb\\u83ef\\u4eba\\u793e\\u5340\\u5831\\u7d19\",\"headline\":\"\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u7684\\u7bc0\\u7a05\\u7b56\\u7565\\u5584\\u7528\\u9000\\u4f11\\u5e33\\u6236\",\"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\":\"2025-09-14T06:05:00-07:00\",\"dateModified\":\"2025-09-10T23:00:29-07:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#webpage\"},\"articleSection\":\"\\u5730\\u65b9\\u65b0\\u805e, \\u7406\\u8ca1\\u6295\\u8cc7, \\u8ad6\\u58c7, \\u77fd\\u8c37\\u4e2d\\u6587\\u5a92\\u9ad4, \\u8001\\u4e2d\\u5730\\u65b9\\u65b0\\u805e, \\u820a\\u91d1\\u5c71\\u514d\\u8cbb\\u4e2d\\u6587\\u5831\\u7d19, \\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u7684\\u7bc0\\u7a05\\u7b56\\u7565\\uff1a\\u5584\\u7528\\u9000\\u4f11\\u5e33\\u6236\\u8207\\u6148\\u5584\\u5de5\\u5177\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#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\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#listItem\",\"name\":\"\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u7684\\u7bc0\\u7a05\\u7b56\\u7565\\u5584\\u7528\\u9000\\u4f11\\u5e33\\u6236\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#listItem\",\"position\":3,\"name\":\"\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u7684\\u7bc0\\u7a05\\u7b56\\u7565\\u5584\\u7528\\u9000\\u4f11\\u5e33\\u6236\",\"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\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#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\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#webpage\",\"url\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/\",\"name\":\"\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u7684\\u7bc0\\u7a05\\u7b56\\u7565\\u5584\\u7528\\u9000\\u4f11\\u5e33\\u6236 - News for Chinese \\uff0d \\u820a\\u91d1\\u5c71\\u7063\\u5340No.1\\u514d\\u8cbb\\u83ef\\u4eba\\u793e\\u5340\\u5831\\u7d19\",\"description\":\"\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u7684\\u7bc0\\u7a05\\u7b56\\u7565\\uff1a\\u5584\\u7528\\u9000\\u4f11\\u5e33\\u6236\\u8207\\u6148\\u5584\\u5de5\\u5177\\u3002 \\u5c0d\\u65bc\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u800c\\u8a00\\uff0c\\u7a05\\u52d9\\u898f\\u5283\\u5f80\\u5f80\\u662f\\u8ca1\\u52d9\\u7ba1\\u7406\\u4e2d\\u6700\\u91cd\\u8981\\u7684\\u74b0\\u7bc0\\u4e4b\\u4e00\\u3002\\u6536\\u5165\\u8d8a\\u9ad8\\uff0c\\u908a\\u969b\\u7a05\\u7387\\u5c31\\u8d8a\\u9ad8\\uff0c\\u4e00\\u65e6\\u898f\\u5283\\u4e0d\\u7576\\uff0c\\u53ef\\u80fd\\u8981\\u7e73\\u7d0d\\u6bd4\\u5fc5\\u8981\\u66f4\\u591a\\u7684\\u7a05\\u6b3e\\u3002\\u900f\\u904e\\u6b63\\u78ba\\u7684\\u7bc0\\u7a05\\u5de5\\u5177\\uff0c\\u4e0d\\u50c5\\u53ef\\u4ee5\\u6e1b\\u8f15\\u7576\\u4e0b\\u7684\\u7a05\\u52d9\\u8ca0\\u64d4\\uff0c\\u9084\\u80fd\\u517c\\u9867\\u9577\\u671f\\u9000\\u4f11\\u6e96\\u5099\\u8207\\u6148\\u5584\\u6350\\u8d08\\u5b89\\u6392\\u3002\\u4ee5\\u4e0b\\u5c07\\u4ecb\\u7d39 401(k)\\u3001Mega Backdoor Roth IRA\\u3001HSA\\uff08\\u5065\\u5eb7\\u5132\\u84c4\\u5e33\\u6236\\uff09\\u4ee5\\u53ca Donor-Advised Fund\\uff08DAF\\uff0c\\u6148\\u5584\\u6350\\u8d08\\u57fa\\u91d1\\uff09 \\u7b49\\u56db\\u5927\\u5de5\\u5177\\uff0c\\u4e26\\u63a2\\u8a0e\\u5176\\u5728\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u7bc0\\u7a05\\u7b56\\u7565\\u4e2d\\u7684\\u61c9\\u7528\\u3002 \\u4e00\\u3001\\u6700\\u5927\\u5316\\u50b3\\u7d71\\u8207Roth 401(k) 401(k) \\u662f\\u7f8e\\u570b\\u6700\\u5e38\\u898b\\u7684\\u9000\\u4f11\\u5132\\u84c4\\u5de5\\u5177\\u4e4b\\u4e00\\uff0c\\u4e5f\\u662f\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u6700\\u5148\\u61c9\\u8a72\\u8003\\u616e\\u7684\\u7bc0\\u7a05\\u65b9\\u5f0f\\u3002\\u54e1\\u5de5\\u53ef\\u4ee5\\u9078\\u64c7\\u5c07\\u90e8\\u5206\\u85aa\\u8cc7\\u6295\\u5165\\u50b3\\u7d71 401(k)\\uff0c\\u9019\\u7b46\\u91d1\\u984d\\u6703\\u5728\\u8a08\\u7b97\\u7576\\u5e74\\u61c9\\u7a05\\u6536\\u5165\\u524d\\u6263\\u9664\\uff0c\\u5f9e\\u800c\\u964d\\u4f4e\\u6240\\u5f97\\u7a05\\u8ca0\\u30022025 \\u5e74\\u7684\\u500b\\u4eba\\u5e74\\u5ea6\\u4e0a\\u9650\\u70ba 23,000 \\u7f8e\\u5143\\uff0c\\u82e5\\u5e74\\u6eff 50 \\u6b72\\uff0c\\u9084\\u53ef\\u984d\\u5916\\u7e73\\u7d0d 7,500 \\u7f8e\\u5143 catch-up contribution\\u3002 \\u9664\\u4e86\\u50b3\\u7d71 401(k)\\uff0c\\u8a31\\u591a\\u516c\\u53f8\\u9084\\u63d0\\u4f9b Roth 401(k)\\u3002\\u96d6\\u7136\\u6295\\u5165\\u91d1\\u984d\\u4e0d\\u80fd\\u62b5\\u7a05\\uff0c\\u4f46\\u672a\\u4f86\\u9000\\u4f11\\u6642\\u63d0\\u9818\\u53ef\\u514d\\u7a05\\u3002\\u5c0d\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u800c\\u8a00\\uff0c\\u5169\\u8005\\u4e4b\\u9593\\u7684\\u914d\\u7f6e\\u53ef\\u4f9d\\u7167\\u672a\\u4f86\\u7a05\\u7387\\u9810\\u671f\\u4f86\\u8abf\\u6574\\uff1a\\u82e5\\u8a8d\\u70ba\\u9000\\u4f11\\u5f8c\\u7a05\\u7387\\u8f03\\u4f4e\\uff0c\\u53ef\\u4ee5\\u504f\\u5411\\u50b3\\u7d71 401(k)\\uff1b\\u82e5\\u9810\\u671f\\u672a\\u4f86\\u7a05\\u7387\\u6703\\u66f4\\u9ad8\\uff0c\\u5247 Roth 401(k) \\u66f4\\u5177\\u5438\\u5f15\\u529b\\u3002 \\u66f4\\u91cd\\u8981\\u7684\\u662f\\uff0c\\u9ad8\\u6536\\u5165\\u5c08\\u696d\\u4eba\\u58eb\\u61c9\\u78ba\\u4fdd\\u5145\\u5206\\u5229\\u7528 \\u96c7\\u4e3b\\u914d\\u5c0d\\uff08employer match\\uff09\\uff0c\\u5426\\u5247\\u7b49\\u65bc\\u767d\\u767d\\u653e\\u68c4\\u4e00\\u7b46\\u7121\\u98a8\\u96aa\\u7684\\u300c\\u514d\\u8cbb\\u5831\\u916c\\u300d\\u3002 \\u4e8c\\u3001Mega Backdoor Roth IRA\\uff1a\\u7a81\\u7834\\u6536\\u5165\\u9650\\u5236\\u7684\\u5229\\u5668 \\u50b3\\u7d71\\u7684 Roth IRA \\u5c0d\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u6709\\u9650\\u5236\\u30022025 \\u5e74\\u55ae\\u8eab\\u4eba\\u58eb\\u82e5\\u6536\\u5165\\u8d85\\u904e 161,000 \\u7f8e\\u5143\\uff0c\\u5c31\\u7121\\u6cd5\\u76f4\\u63a5\\u9032\\u884c Roth IRA \\u7684\\u5168\\u984d\\u8ca2\\u737b\\u3002\\u7136\\u800c\\uff0c\\u9ad8\\u6536\\u5165\\u65cf\\u7fa4\\u4ecd\\u80fd\\u900f\\u904e Mega Backdoor Roth IRA\\uff0c\\u5c07\\u66f4\\u591a\\u8cc7\\u91d1\\u5408\\u6cd5\\u8f49\\u5165 Roth \\u5e33\\u6236\\u3002 \\u64cd\\u4f5c\\u65b9\\u5f0f\\u662f\\uff1a\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#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\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#mainImage\",\"width\":600,\"height\":378},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/newsforchinese.com\\\/v3\\\/2025\\\/09\\\/14\\\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\\\/#mainImage\"},\"datePublished\":\"2025-09-14T06:05:00-07:00\",\"dateModified\":\"2025-09-10T23:00:29-07:00\"},{\"@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":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\uff1a\u5584\u7528\u9000\u4f11\u5e33\u6236\u8207\u6148\u5584\u5de5\u5177\u3002 \u5c0d\u65bc\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u7a05\u52d9\u898f\u5283\u5f80\u5f80\u662f\u8ca1\u52d9\u7ba1\u7406\u4e2d\u6700\u91cd\u8981\u7684\u74b0\u7bc0\u4e4b\u4e00\u3002\u6536\u5165\u8d8a\u9ad8\uff0c\u908a\u969b\u7a05\u7387\u5c31\u8d8a\u9ad8\uff0c\u4e00\u65e6\u898f\u5283\u4e0d\u7576\uff0c\u53ef\u80fd\u8981\u7e73\u7d0d\u6bd4\u5fc5\u8981\u66f4\u591a\u7684\u7a05\u6b3e\u3002\u900f\u904e\u6b63\u78ba\u7684\u7bc0\u7a05\u5de5\u5177\uff0c\u4e0d\u50c5\u53ef\u4ee5\u6e1b\u8f15\u7576\u4e0b\u7684\u7a05\u52d9\u8ca0\u64d4\uff0c\u9084\u80fd\u517c\u9867\u9577\u671f\u9000\u4f11\u6e96\u5099\u8207\u6148\u5584\u6350\u8d08\u5b89\u6392\u3002\u4ee5\u4e0b\u5c07\u4ecb\u7d39 401(k)\u3001Mega Backdoor Roth IRA\u3001HSA\uff08\u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff09\u4ee5\u53ca Donor-Advised Fund\uff08DAF\uff0c\u6148\u5584\u6350\u8d08\u57fa\u91d1\uff09 \u7b49\u56db\u5927\u5de5\u5177\uff0c\u4e26\u63a2\u8a0e\u5176\u5728\u9ad8\u6536\u5165\u65cf\u7fa4\u7bc0\u7a05\u7b56\u7565\u4e2d\u7684\u61c9\u7528\u3002 \u4e00\u3001\u6700\u5927\u5316\u50b3\u7d71\u8207Roth 401(k) 401(k) \u662f\u7f8e\u570b\u6700\u5e38\u898b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\u4e4b\u4e00\uff0c\u4e5f\u662f\u9ad8\u6536\u5165\u65cf\u7fa4\u6700\u5148\u61c9\u8a72\u8003\u616e\u7684\u7bc0\u7a05\u65b9\u5f0f\u3002\u54e1\u5de5\u53ef\u4ee5\u9078\u64c7\u5c07\u90e8\u5206\u85aa\u8cc7\u6295\u5165\u50b3\u7d71 401(k)\uff0c\u9019\u7b46\u91d1\u984d\u6703\u5728\u8a08\u7b97\u7576\u5e74\u61c9\u7a05\u6536\u5165\u524d\u6263\u9664\uff0c\u5f9e\u800c\u964d\u4f4e\u6240\u5f97\u7a05\u8ca0\u30022025 \u5e74\u7684\u500b\u4eba\u5e74\u5ea6\u4e0a\u9650\u70ba 23,000 \u7f8e\u5143\uff0c\u82e5\u5e74\u6eff 50 \u6b72\uff0c\u9084\u53ef\u984d\u5916\u7e73\u7d0d 7,500 \u7f8e\u5143 catch-up contribution\u3002 \u9664\u4e86\u50b3\u7d71 401(k)\uff0c\u8a31\u591a\u516c\u53f8\u9084\u63d0\u4f9b Roth 401(k)\u3002\u96d6\u7136\u6295\u5165\u91d1\u984d\u4e0d\u80fd\u62b5\u7a05\uff0c\u4f46\u672a\u4f86\u9000\u4f11\u6642\u63d0\u9818\u53ef\u514d\u7a05\u3002\u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u5169\u8005\u4e4b\u9593\u7684\u914d\u7f6e\u53ef\u4f9d\u7167\u672a\u4f86\u7a05\u7387\u9810\u671f\u4f86\u8abf\u6574\uff1a\u82e5\u8a8d\u70ba\u9000\u4f11\u5f8c\u7a05\u7387\u8f03\u4f4e\uff0c\u53ef\u4ee5\u504f\u5411\u50b3\u7d71 401(k)\uff1b\u82e5\u9810\u671f\u672a\u4f86\u7a05\u7387\u6703\u66f4\u9ad8\uff0c\u5247 Roth 401(k) \u66f4\u5177\u5438\u5f15\u529b\u3002 \u66f4\u91cd\u8981\u7684\u662f\uff0c\u9ad8\u6536\u5165\u5c08\u696d\u4eba\u58eb\u61c9\u78ba\u4fdd\u5145\u5206\u5229\u7528 \u96c7\u4e3b\u914d\u5c0d\uff08employer match\uff09\uff0c\u5426\u5247\u7b49\u65bc\u767d\u767d\u653e\u68c4\u4e00\u7b46\u7121\u98a8\u96aa\u7684\u300c\u514d\u8cbb\u5831\u916c\u300d\u3002 \u4e8c\u3001Mega Backdoor Roth IRA\uff1a\u7a81\u7834\u6536\u5165\u9650\u5236\u7684\u5229\u5668 \u50b3\u7d71\u7684 Roth IRA \u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u6709\u9650\u5236\u30022025 \u5e74\u55ae\u8eab\u4eba\u58eb\u82e5\u6536\u5165\u8d85\u904e 161,000 \u7f8e\u5143\uff0c\u5c31\u7121\u6cd5\u76f4\u63a5\u9032\u884c Roth IRA \u7684\u5168\u984d\u8ca2\u737b\u3002\u7136\u800c\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u4ecd\u80fd\u900f\u904e Mega Backdoor Roth IRA\uff0c\u5c07\u66f4\u591a\u8cc7\u91d1\u5408\u6cd5\u8f49\u5165 Roth \u5e33\u6236\u3002 \u64cd\u4f5c\u65b9\u5f0f\u662f\uff1a","canonical_url":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/","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\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#blogposting","name":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","headline":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236","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":"2025-09-14T06:05:00-07:00","dateModified":"2025-09-10T23:00:29-07:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#webpage"},"isPartOf":{"@id":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#webpage"},"articleSection":"\u5730\u65b9\u65b0\u805e, \u7406\u8ca1\u6295\u8cc7, \u8ad6\u58c7, \u77fd\u8c37\u4e2d\u6587\u5a92\u9ad4, \u8001\u4e2d\u5730\u65b9\u65b0\u805e, \u820a\u91d1\u5c71\u514d\u8cbb\u4e2d\u6587\u5831\u7d19, \u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\uff1a\u5584\u7528\u9000\u4f11\u5e33\u6236\u8207\u6148\u5584\u5de5\u5177"},{"@type":"BreadcrumbList","@id":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#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\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#listItem","name":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236"},"previousItem":{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#listItem","position":3,"name":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236","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\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#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\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#webpage","url":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/","name":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","description":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\uff1a\u5584\u7528\u9000\u4f11\u5e33\u6236\u8207\u6148\u5584\u5de5\u5177\u3002 \u5c0d\u65bc\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u7a05\u52d9\u898f\u5283\u5f80\u5f80\u662f\u8ca1\u52d9\u7ba1\u7406\u4e2d\u6700\u91cd\u8981\u7684\u74b0\u7bc0\u4e4b\u4e00\u3002\u6536\u5165\u8d8a\u9ad8\uff0c\u908a\u969b\u7a05\u7387\u5c31\u8d8a\u9ad8\uff0c\u4e00\u65e6\u898f\u5283\u4e0d\u7576\uff0c\u53ef\u80fd\u8981\u7e73\u7d0d\u6bd4\u5fc5\u8981\u66f4\u591a\u7684\u7a05\u6b3e\u3002\u900f\u904e\u6b63\u78ba\u7684\u7bc0\u7a05\u5de5\u5177\uff0c\u4e0d\u50c5\u53ef\u4ee5\u6e1b\u8f15\u7576\u4e0b\u7684\u7a05\u52d9\u8ca0\u64d4\uff0c\u9084\u80fd\u517c\u9867\u9577\u671f\u9000\u4f11\u6e96\u5099\u8207\u6148\u5584\u6350\u8d08\u5b89\u6392\u3002\u4ee5\u4e0b\u5c07\u4ecb\u7d39 401(k)\u3001Mega Backdoor Roth IRA\u3001HSA\uff08\u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff09\u4ee5\u53ca Donor-Advised Fund\uff08DAF\uff0c\u6148\u5584\u6350\u8d08\u57fa\u91d1\uff09 \u7b49\u56db\u5927\u5de5\u5177\uff0c\u4e26\u63a2\u8a0e\u5176\u5728\u9ad8\u6536\u5165\u65cf\u7fa4\u7bc0\u7a05\u7b56\u7565\u4e2d\u7684\u61c9\u7528\u3002 \u4e00\u3001\u6700\u5927\u5316\u50b3\u7d71\u8207Roth 401(k) 401(k) \u662f\u7f8e\u570b\u6700\u5e38\u898b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\u4e4b\u4e00\uff0c\u4e5f\u662f\u9ad8\u6536\u5165\u65cf\u7fa4\u6700\u5148\u61c9\u8a72\u8003\u616e\u7684\u7bc0\u7a05\u65b9\u5f0f\u3002\u54e1\u5de5\u53ef\u4ee5\u9078\u64c7\u5c07\u90e8\u5206\u85aa\u8cc7\u6295\u5165\u50b3\u7d71 401(k)\uff0c\u9019\u7b46\u91d1\u984d\u6703\u5728\u8a08\u7b97\u7576\u5e74\u61c9\u7a05\u6536\u5165\u524d\u6263\u9664\uff0c\u5f9e\u800c\u964d\u4f4e\u6240\u5f97\u7a05\u8ca0\u30022025 \u5e74\u7684\u500b\u4eba\u5e74\u5ea6\u4e0a\u9650\u70ba 23,000 \u7f8e\u5143\uff0c\u82e5\u5e74\u6eff 50 \u6b72\uff0c\u9084\u53ef\u984d\u5916\u7e73\u7d0d 7,500 \u7f8e\u5143 catch-up contribution\u3002 \u9664\u4e86\u50b3\u7d71 401(k)\uff0c\u8a31\u591a\u516c\u53f8\u9084\u63d0\u4f9b Roth 401(k)\u3002\u96d6\u7136\u6295\u5165\u91d1\u984d\u4e0d\u80fd\u62b5\u7a05\uff0c\u4f46\u672a\u4f86\u9000\u4f11\u6642\u63d0\u9818\u53ef\u514d\u7a05\u3002\u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u5169\u8005\u4e4b\u9593\u7684\u914d\u7f6e\u53ef\u4f9d\u7167\u672a\u4f86\u7a05\u7387\u9810\u671f\u4f86\u8abf\u6574\uff1a\u82e5\u8a8d\u70ba\u9000\u4f11\u5f8c\u7a05\u7387\u8f03\u4f4e\uff0c\u53ef\u4ee5\u504f\u5411\u50b3\u7d71 401(k)\uff1b\u82e5\u9810\u671f\u672a\u4f86\u7a05\u7387\u6703\u66f4\u9ad8\uff0c\u5247 Roth 401(k) \u66f4\u5177\u5438\u5f15\u529b\u3002 \u66f4\u91cd\u8981\u7684\u662f\uff0c\u9ad8\u6536\u5165\u5c08\u696d\u4eba\u58eb\u61c9\u78ba\u4fdd\u5145\u5206\u5229\u7528 \u96c7\u4e3b\u914d\u5c0d\uff08employer match\uff09\uff0c\u5426\u5247\u7b49\u65bc\u767d\u767d\u653e\u68c4\u4e00\u7b46\u7121\u98a8\u96aa\u7684\u300c\u514d\u8cbb\u5831\u916c\u300d\u3002 \u4e8c\u3001Mega Backdoor Roth IRA\uff1a\u7a81\u7834\u6536\u5165\u9650\u5236\u7684\u5229\u5668 \u50b3\u7d71\u7684 Roth IRA \u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u6709\u9650\u5236\u30022025 \u5e74\u55ae\u8eab\u4eba\u58eb\u82e5\u6536\u5165\u8d85\u904e 161,000 \u7f8e\u5143\uff0c\u5c31\u7121\u6cd5\u76f4\u63a5\u9032\u884c Roth IRA \u7684\u5168\u984d\u8ca2\u737b\u3002\u7136\u800c\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u4ecd\u80fd\u900f\u904e Mega Backdoor Roth IRA\uff0c\u5c07\u66f4\u591a\u8cc7\u91d1\u5408\u6cd5\u8f49\u5165 Roth \u5e33\u6236\u3002 \u64cd\u4f5c\u65b9\u5f0f\u662f\uff1a","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/newsforchinese.com\/v3\/#website"},"breadcrumb":{"@id":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#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\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#mainImage","width":600,"height":378},"primaryImageOfPage":{"@id":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/#mainImage"},"datePublished":"2025-09-14T06:05:00-07:00","dateModified":"2025-09-10T23:00:29-07:00"},{"@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":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","og:description":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\uff1a\u5584\u7528\u9000\u4f11\u5e33\u6236\u8207\u6148\u5584\u5de5\u5177\u3002 \u5c0d\u65bc\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u7a05\u52d9\u898f\u5283\u5f80\u5f80\u662f\u8ca1\u52d9\u7ba1\u7406\u4e2d\u6700\u91cd\u8981\u7684\u74b0\u7bc0\u4e4b\u4e00\u3002\u6536\u5165\u8d8a\u9ad8\uff0c\u908a\u969b\u7a05\u7387\u5c31\u8d8a\u9ad8\uff0c\u4e00\u65e6\u898f\u5283\u4e0d\u7576\uff0c\u53ef\u80fd\u8981\u7e73\u7d0d\u6bd4\u5fc5\u8981\u66f4\u591a\u7684\u7a05\u6b3e\u3002\u900f\u904e\u6b63\u78ba\u7684\u7bc0\u7a05\u5de5\u5177\uff0c\u4e0d\u50c5\u53ef\u4ee5\u6e1b\u8f15\u7576\u4e0b\u7684\u7a05\u52d9\u8ca0\u64d4\uff0c\u9084\u80fd\u517c\u9867\u9577\u671f\u9000\u4f11\u6e96\u5099\u8207\u6148\u5584\u6350\u8d08\u5b89\u6392\u3002\u4ee5\u4e0b\u5c07\u4ecb\u7d39 401(k)\u3001Mega Backdoor Roth IRA\u3001HSA\uff08\u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff09\u4ee5\u53ca Donor-Advised Fund\uff08DAF\uff0c\u6148\u5584\u6350\u8d08\u57fa\u91d1\uff09 \u7b49\u56db\u5927\u5de5\u5177\uff0c\u4e26\u63a2\u8a0e\u5176\u5728\u9ad8\u6536\u5165\u65cf\u7fa4\u7bc0\u7a05\u7b56\u7565\u4e2d\u7684\u61c9\u7528\u3002 \u4e00\u3001\u6700\u5927\u5316\u50b3\u7d71\u8207Roth 401(k) 401(k) \u662f\u7f8e\u570b\u6700\u5e38\u898b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\u4e4b\u4e00\uff0c\u4e5f\u662f\u9ad8\u6536\u5165\u65cf\u7fa4\u6700\u5148\u61c9\u8a72\u8003\u616e\u7684\u7bc0\u7a05\u65b9\u5f0f\u3002\u54e1\u5de5\u53ef\u4ee5\u9078\u64c7\u5c07\u90e8\u5206\u85aa\u8cc7\u6295\u5165\u50b3\u7d71 401(k)\uff0c\u9019\u7b46\u91d1\u984d\u6703\u5728\u8a08\u7b97\u7576\u5e74\u61c9\u7a05\u6536\u5165\u524d\u6263\u9664\uff0c\u5f9e\u800c\u964d\u4f4e\u6240\u5f97\u7a05\u8ca0\u30022025 \u5e74\u7684\u500b\u4eba\u5e74\u5ea6\u4e0a\u9650\u70ba 23,000 \u7f8e\u5143\uff0c\u82e5\u5e74\u6eff 50 \u6b72\uff0c\u9084\u53ef\u984d\u5916\u7e73\u7d0d 7,500 \u7f8e\u5143 catch-up contribution\u3002 \u9664\u4e86\u50b3\u7d71 401(k)\uff0c\u8a31\u591a\u516c\u53f8\u9084\u63d0\u4f9b Roth 401(k)\u3002\u96d6\u7136\u6295\u5165\u91d1\u984d\u4e0d\u80fd\u62b5\u7a05\uff0c\u4f46\u672a\u4f86\u9000\u4f11\u6642\u63d0\u9818\u53ef\u514d\u7a05\u3002\u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u5169\u8005\u4e4b\u9593\u7684\u914d\u7f6e\u53ef\u4f9d\u7167\u672a\u4f86\u7a05\u7387\u9810\u671f\u4f86\u8abf\u6574\uff1a\u82e5\u8a8d\u70ba\u9000\u4f11\u5f8c\u7a05\u7387\u8f03\u4f4e\uff0c\u53ef\u4ee5\u504f\u5411\u50b3\u7d71 401(k)\uff1b\u82e5\u9810\u671f\u672a\u4f86\u7a05\u7387\u6703\u66f4\u9ad8\uff0c\u5247 Roth 401(k) \u66f4\u5177\u5438\u5f15\u529b\u3002 \u66f4\u91cd\u8981\u7684\u662f\uff0c\u9ad8\u6536\u5165\u5c08\u696d\u4eba\u58eb\u61c9\u78ba\u4fdd\u5145\u5206\u5229\u7528 \u96c7\u4e3b\u914d\u5c0d\uff08employer match\uff09\uff0c\u5426\u5247\u7b49\u65bc\u767d\u767d\u653e\u68c4\u4e00\u7b46\u7121\u98a8\u96aa\u7684\u300c\u514d\u8cbb\u5831\u916c\u300d\u3002 \u4e8c\u3001Mega Backdoor Roth IRA\uff1a\u7a81\u7834\u6536\u5165\u9650\u5236\u7684\u5229\u5668 \u50b3\u7d71\u7684 Roth IRA \u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u6709\u9650\u5236\u30022025 \u5e74\u55ae\u8eab\u4eba\u58eb\u82e5\u6536\u5165\u8d85\u904e 161,000 \u7f8e\u5143\uff0c\u5c31\u7121\u6cd5\u76f4\u63a5\u9032\u884c Roth IRA \u7684\u5168\u984d\u8ca2\u737b\u3002\u7136\u800c\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u4ecd\u80fd\u900f\u904e Mega Backdoor Roth IRA\uff0c\u5c07\u66f4\u591a\u8cc7\u91d1\u5408\u6cd5\u8f49\u5165 Roth \u5e33\u6236\u3002 \u64cd\u4f5c\u65b9\u5f0f\u662f\uff1a","og:url":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/","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":"2025-09-14T13:05:00+00:00","article:modified_time":"2025-09-11T06:00:29+00:00","twitter:card":"summary_large_image","twitter:title":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19","twitter:description":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\uff1a\u5584\u7528\u9000\u4f11\u5e33\u6236\u8207\u6148\u5584\u5de5\u5177\u3002 \u5c0d\u65bc\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u7a05\u52d9\u898f\u5283\u5f80\u5f80\u662f\u8ca1\u52d9\u7ba1\u7406\u4e2d\u6700\u91cd\u8981\u7684\u74b0\u7bc0\u4e4b\u4e00\u3002\u6536\u5165\u8d8a\u9ad8\uff0c\u908a\u969b\u7a05\u7387\u5c31\u8d8a\u9ad8\uff0c\u4e00\u65e6\u898f\u5283\u4e0d\u7576\uff0c\u53ef\u80fd\u8981\u7e73\u7d0d\u6bd4\u5fc5\u8981\u66f4\u591a\u7684\u7a05\u6b3e\u3002\u900f\u904e\u6b63\u78ba\u7684\u7bc0\u7a05\u5de5\u5177\uff0c\u4e0d\u50c5\u53ef\u4ee5\u6e1b\u8f15\u7576\u4e0b\u7684\u7a05\u52d9\u8ca0\u64d4\uff0c\u9084\u80fd\u517c\u9867\u9577\u671f\u9000\u4f11\u6e96\u5099\u8207\u6148\u5584\u6350\u8d08\u5b89\u6392\u3002\u4ee5\u4e0b\u5c07\u4ecb\u7d39 401(k)\u3001Mega Backdoor Roth IRA\u3001HSA\uff08\u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff09\u4ee5\u53ca Donor-Advised Fund\uff08DAF\uff0c\u6148\u5584\u6350\u8d08\u57fa\u91d1\uff09 \u7b49\u56db\u5927\u5de5\u5177\uff0c\u4e26\u63a2\u8a0e\u5176\u5728\u9ad8\u6536\u5165\u65cf\u7fa4\u7bc0\u7a05\u7b56\u7565\u4e2d\u7684\u61c9\u7528\u3002 \u4e00\u3001\u6700\u5927\u5316\u50b3\u7d71\u8207Roth 401(k) 401(k) \u662f\u7f8e\u570b\u6700\u5e38\u898b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\u4e4b\u4e00\uff0c\u4e5f\u662f\u9ad8\u6536\u5165\u65cf\u7fa4\u6700\u5148\u61c9\u8a72\u8003\u616e\u7684\u7bc0\u7a05\u65b9\u5f0f\u3002\u54e1\u5de5\u53ef\u4ee5\u9078\u64c7\u5c07\u90e8\u5206\u85aa\u8cc7\u6295\u5165\u50b3\u7d71 401(k)\uff0c\u9019\u7b46\u91d1\u984d\u6703\u5728\u8a08\u7b97\u7576\u5e74\u61c9\u7a05\u6536\u5165\u524d\u6263\u9664\uff0c\u5f9e\u800c\u964d\u4f4e\u6240\u5f97\u7a05\u8ca0\u30022025 \u5e74\u7684\u500b\u4eba\u5e74\u5ea6\u4e0a\u9650\u70ba 23,000 \u7f8e\u5143\uff0c\u82e5\u5e74\u6eff 50 \u6b72\uff0c\u9084\u53ef\u984d\u5916\u7e73\u7d0d 7,500 \u7f8e\u5143 catch-up contribution\u3002 \u9664\u4e86\u50b3\u7d71 401(k)\uff0c\u8a31\u591a\u516c\u53f8\u9084\u63d0\u4f9b Roth 401(k)\u3002\u96d6\u7136\u6295\u5165\u91d1\u984d\u4e0d\u80fd\u62b5\u7a05\uff0c\u4f46\u672a\u4f86\u9000\u4f11\u6642\u63d0\u9818\u53ef\u514d\u7a05\u3002\u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u5169\u8005\u4e4b\u9593\u7684\u914d\u7f6e\u53ef\u4f9d\u7167\u672a\u4f86\u7a05\u7387\u9810\u671f\u4f86\u8abf\u6574\uff1a\u82e5\u8a8d\u70ba\u9000\u4f11\u5f8c\u7a05\u7387\u8f03\u4f4e\uff0c\u53ef\u4ee5\u504f\u5411\u50b3\u7d71 401(k)\uff1b\u82e5\u9810\u671f\u672a\u4f86\u7a05\u7387\u6703\u66f4\u9ad8\uff0c\u5247 Roth 401(k) \u66f4\u5177\u5438\u5f15\u529b\u3002 \u66f4\u91cd\u8981\u7684\u662f\uff0c\u9ad8\u6536\u5165\u5c08\u696d\u4eba\u58eb\u61c9\u78ba\u4fdd\u5145\u5206\u5229\u7528 \u96c7\u4e3b\u914d\u5c0d\uff08employer match\uff09\uff0c\u5426\u5247\u7b49\u65bc\u767d\u767d\u653e\u68c4\u4e00\u7b46\u7121\u98a8\u96aa\u7684\u300c\u514d\u8cbb\u5831\u916c\u300d\u3002 \u4e8c\u3001Mega Backdoor Roth IRA\uff1a\u7a81\u7834\u6536\u5165\u9650\u5236\u7684\u5229\u5668 \u50b3\u7d71\u7684 Roth IRA \u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u6709\u9650\u5236\u30022025 \u5e74\u55ae\u8eab\u4eba\u58eb\u82e5\u6536\u5165\u8d85\u904e 161,000 \u7f8e\u5143\uff0c\u5c31\u7121\u6cd5\u76f4\u63a5\u9032\u884c Roth IRA \u7684\u5168\u984d\u8ca2\u737b\u3002\u7136\u800c\uff0c\u9ad8\u6536\u5165\u65cf\u7fa4\u4ecd\u80fd\u900f\u904e Mega Backdoor Roth IRA\uff0c\u5c07\u66f4\u591a\u8cc7\u91d1\u5408\u6cd5\u8f49\u5165 Roth \u5e33\u6236\u3002 \u64cd\u4f5c\u65b9\u5f0f\u662f\uff1a","twitter:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg"},"aioseo_meta_data":{"post_id":"282902","title":null,"description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"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":"","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":"BlogPosting","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":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":{"faqs":[],"keyPoints":[],"titles":[],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2025-09-11 05:59:37","updated":"2025-09-14 13:05:57","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\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236\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":"\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236","link":"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/"}],"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=\"4lv6bAq1Ta\"><a href=\"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/\">\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/newsforchinese.com\/v3\/2025\/09\/14\/%e9%ab%98%e6%94%b6%e5%85%a5%e6%97%8f%e7%be%a4%e7%9a%84%e7%af%80%e7%a8%85%e7%ad%96%e7%95%a5%e5%96%84%e7%94%a8%e9%80%80%e4%bc%91%e5%b8%b3%e6%88%b6\/embed\/#?secret=4lv6bAq1Ta\" width=\"500\" height=\"350\" title=\"&#8220;\u9ad8\u6536\u5165\u65cf\u7fa4\u7684\u7bc0\u7a05\u7b56\u7565\u5584\u7528\u9000\u4f11\u5e33\u6236&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"4lv6bAq1Ta\" 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":164560,"url":"https:\/\/newsforchinese.com\/v3\/2018\/12\/02\/%e7%be%8e%e5%9c%8b%e7%af%80%e7%a8%8512%e6%8b%9b\/","url_meta":{"origin":282902,"position":0},"title":"\u7f8e\u570b\u7bc0\u7a0512\u62db","author":"Raymond","date":"December 2, 2018","format":false,"excerpt":"\u7f8e\u570b\u751f\u6d3b\u77e5\u8b58\u4e0d\u6536\u85cf\u5c31\u8667\u5927\u4e86\uff1a\u7f8e\u570b\u7bc0\u7a0512\u62db\u3002\u5408\u6cd5\u7bc0\u7a05\u8207\u5077\u7a05\u6f0f\u7a05\u662f\u622a\u7136\u4e0d\u540c\u7684\u5169\u56de\u4e8b\u3002\u5340\u5225\u5728\u65bc\u524d\u8005\u5408\u6cd5\uff0c\u5f8c\u8005\u975e\u6cd5\u3002\u4e16\u8cbf\u901a\u79fb\u6c11\u96c6\u5718\u5021\u5c0e\u8d74\u7f8e\u6295\u8cc7\u6216\u5b9a\u5c45\uff0c\u8981\u4f9d\u6cd5\u7d0d\u7a05\uff0c\u53cd\u5c0d\u5077\u7a05\u6f0f\u7a05\uff0c\u4f46\u662f\u7f8e\u570b\u7684\u7a05\u52d9\u5236\u5ea6\u548c\u6587\u5316\u5bb9\u8a31\u5408\u6cd5\u7bc0\u7a05\u3002 \u4ee5\u4e0b12\u7a2e\u5408\u6cd5\u7bc0\u7a05\u65b9\u6cd5\uff0c\u503c\u5f97\u5617\u8a66\uff0c\u8a73\u60c5\u53ef\u8aee\u8a62\u5c08\u696d\u7a05\u52d9\u5e2b\u3002 1\u3001\u8abf\u6574W-4 W-4\u901a\u5e38\u662f\u54e1\u5de5\u63d0\u4ea4\u7d66\u96c7\u4e3b\u7684\u8868\u683c\uff0c\u5b83\u6c7a\u5b9a\u8457\u54e1\u5de5\u6bcf\u500b\u6708\u5f9e\u85aa\u8cc7\u4e2d\u88ab\u9810\u6263\u7684\u7a05\u91d1\u3002\u5982\u679c\u4eca\u5e74\u5831\u7a05\u6642\u767c\u73fe\u8981\u7e73\u5f88\u591a\u7a05\uff0c\u9020\u6210\u8ca0\u64d4\uff0c\u90a3\u9ebd\u53ef\u4ee5\u8abf\u6574W-4\u8868\uff0c\u63d0\u9ad8\u6bcf\u500b\u6708\u9810\u6263\u7a05\u6b3e\u3002 2\u3001\u591a\u653e\u9ede\u9322\u5728401(k) \u61c9\u7a05\u6536\u5165\u8d8a\u5c11\uff0c\u8868\u793a\u8981\u7e73\u7684\u7a05\u8d8a\u5c11\u3002\u53c3\u52a0\u96c7\u4e3b\u8cc7\u52a9\u7684401(k)\u9000\u4f11\u91d1\u8a08\u5283\uff0c\u4e26\u5c07\u66f4\u591a\u7684\u5de5\u8cc7\u64a5\u5165\u9019\u500b\u5e33\u6236\uff0c\u662f\u964d\u4f4e\u61c9\u7a05\u6536\u5165\u6700\u5e38\u7528\u7684\u65b9\u5f0f\uff0c\u56e0\u70ba\u570b\u7a05\u5c40(IRS)\u4e0d\u6703\u5c0d\u7d0d\u7a05\u4eba\u8f49\u5165401(k)\u5e33\u6236\u7684\u6536\u5165\u5fb5\u7a05\u3002 3\u3001\u5229\u7528\u500b\u4eba\u9000\u4f11\u5132\u84c4\u5e33\u6236(IRA) \u7f8e\u570bIRA\u4e3b\u8981\u6709\u5169\u7a2e\uff1aRoth IRA\u548c\u50b3\u7d71IRA\u3002\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5229\u7528\u50b3\u7d71IRA\u7684\u4f9b\u6b3e\uff0c\u6e1b\u5c11\u61c9\u652f\u4ed8\u7684\u6240\u5f97\u7a05\uff0c\u81f3\u65bc\u514d\u7a05\u984d\u5ea6\uff0c\u5247\u53d6\u6c7a\u65bc\u7d0d\u7a05\u4eba\u6216\u5176\u914d\u5076\u7684\u96c7\u4e3b\u662f\u5426\u5df2\u63d0\u4f9b\u9000\u4f11\u8a08\u5283\u3002 4\u3001529\u5927\u5b78\u5132\u84c4\u8a08\u5283 529\u5927\u5b78\u5132\u84c4\u8a08\u5283\u662f\u4e00\u7a2e\u201c\u591a\u6a23\u6295\u8cc7\u7d44\u5408\u201d\u5132\u84c4\u5e33\u6236\u8a08\u5283\uff0c\u4efb\u4f55\u5728\u6b64\u5e33\u6236\u5167\u6240\u7372\u53d6\u7684\u6536\u76ca\uff0c\u5747\u7121\u9808\u4ed8\u5dde\u6216\u806f\u90a6\u7a05\uff0c\u4f46\u6240\u5f97\u9808\u7528\u65bc\u6559\u80b2\u7528\u9014\u3002\u7d0d\u7a05\u4eba\u53c3\u52a0\u5dde\u6216\u6559\u80b2\u6a5f\u69cb\u7684529\u5927\u5b78\u5132\u84c4\u8a08\u5283\uff0c\u70ba\u5b50\u5973\u958b\u7acb529\u5e33\u6236\uff0c\u53ef\u4eab\u53d7\u5dde\u653f\u5e9c\u7684\u6e1b\u7a05\u597d\u8655\u3002 5\u3001\u5584\u7528\u96c7\u4e3b\u63d0\u4f9b\u7684\u5f48\u6027\u6d88\u8cbb\u5e33\u6236(FSA) \u7d0d\u7a05\u4eba\u5982\u679c\u5bb6\u4e2d\u6709\u5c0f\u5b69\u6216\u9700\u8981\u7167\u9867\u7684\u89aa\u5c6c\uff0c\u53ef\u4ee5\u8003\u616e\u52a0\u5165\u96c7\u4e3b\u63d0\u4f9b\u7684\u5f48\u6027\u6d88\u8cbb\u5e33\u6236\uff0c\u5c07\u9322\u5b58\u5165FSA\uff0c\u5c08\u9580\u7528\u65bc\u7167\u9867\u5b69\u5b50\u6216\u5bb6\u4eba\uff0c\u9019\u7b46\u9322\u53ef\u4ee5\u514d\u7a05\u3002 6\u3001\u5584\u7528\u96c7\u4e3b\u63d0\u4f9b\u7684\u7167\u8b77\u64ab\u990a\u5b50\u5973FSA \u7d0d\u7a05\u4eba\u5982\u679c\u8981\u64ab\u990a13\u6b72\u4ee5\u4e0b\u7684\u5b50\u5973\uff0c\u53ef\u4ee5\u8003\u616e\u52a0\u5165\u96c7\u4e3b\u63d0\u4f9b\u7684\u201c\u7167\u8b77\u64ab\u990a\u5b50\u5973FSA(Dependent Care FSA)\u201d\uff0c\u5b83\u7684\u514d\u7a05\u984d\u5ea6\u662f5,000\u7f8e\u5143\u3002 \u9019\u500b\u5e33\u6236\u7684\u9322\u53ef\u7528\u4f86\u652f\u4ed8\u5b50\u5973\u5b78\u524d\u548c\u8ab2\u5f8c\u7684\u7167\u9867\u3001\u65e5\u6258\u3001\u5b78\u524d\u73ed\u548c\u65e5\u9593\u9732\u71df\u7b49\u6240\u9700\u8981\u7684\u8cbb\u7528\u3002\u6b64\u5916\uff0c\u7167\u9867\u9577\u8005\u7684\u8cbb\u7528\u4e5f\u53ef\u4ee5\u5305\u62ec\u5728\u5167\u3002 7\u3001\u5229\u7528\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) \u958b\u7acbHSA\u652f\u4ed8\u91ab\u7642\u8cbb\u7528\u8005\u53ef\u4eab\u514d\u7a05\u512a\u60e0\u3002 HSA\u662f\u9ad8\u81ea\u4ed8\u984d\u5065\u4fdd\u8a08\u5283\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u901a\u904e\u5c0dHSA\u7684\u4f9b\u6b3e\u6e1b\u7a05\u3002\u5c0dHSA\u7684\u4f9b\u6b3e\u53ca\u63d0\u6b3e\u90fd\u662f\u514d\u7a05\u7684\uff0c\u524d\u63d0\u662f\u7528\u65bc\u5408\u683c\u7684\u91ab\u7642\u8cbb\u7528\u3002 8\u3001\u67e5\u770b\u662f\u5426\u53ef\u9069\u7528\u85aa\u8cc7\u6536\u5165\u62b5\u6e1b \u7d0d\u7a05\u4eba\u5982\u679c\u6bcf\u5e74\u85aa\u8cc7\u6536\u5165\u5c11\u65bc5.4\u842c\u7f8e\u5143\uff0c\u503c\u5f97\u8a66\u7b97\u662f\u5426\u7b26\u5408\u85aa\u8cc7\u6536\u5165\u62b5\u6e1b\u7684\u898f\u5b9a\u3002 \u9019\u9805\u62b5\u7a05\u662f\u6839\u64da\u7d0d\u7a05\u4eba\u7684\u6536\u5165\u3001\u5a5a\u59fb\u72c0\u6cc1\u548c\u64ab\u990a\u5b50\u5973\u4eba\u6578\uff0c\u8a08\u7b97\u53ef\u4eab\u7684\u62b5\u7a05\u984d\u5ea6\u3002 9\u3001\u6350\u8d08 \u5c0d\u5408\u683c\u7684\u6148\u5584\u6a5f\u69cb\u7684\u6350\u8d08\u662f\u53ef\u4ee5\u6263\u9664\u7684\uff0c\u800c\u4e14\u6350\u8d08\u7269\u54c1\u4e5f\u53ef\u4ee5\u62b5\u7a05\u3002\u4f8b\u5982\uff0c\u6350\u8d08\u7684\u8863\u670d\u3001\u98df\u7269\u3001\u820a\u7684\u904b\u52d5\u5668\u6750\u6216\u5bb6\u5ead\u7528\u54c1\uff0c\u90fd\u53ef\u4ee5\u62b5\u7a05\u3002 \u6b64\u5916\uff0c\u70ba\u5408\u683c\u7684\u6148\u5584\u6a5f\u69cb\u7fa9\u52d9\u670d\u52d9\u64d4\u4efb\u7fa9\u5de5\u6642\uff0c\u81ea\u638f\u8170\u5305\u7684\u8cbb\u7528\uff0c\u6216\u8005\u81ea\u4f4f\u5bb6\u7b49\u5730\u9ede\u5230\u6148\u5584\u6a5f\u69cb\u7684\u5f80\u8fd4\u91cc\u7a0b\u6578\uff0c\u4e26\u7531\u6b64\u8a08\u7b97\u53ef\u4ee5\u62b5\u6263\u7684\u6c7d\u6cb9\u8cbb\u3002 10\u3001\u4fdd\u5b58\u91ab\u7642\u8cbb\u7528\u6587\u4ef6 \u5982\u679c\u5728\u7d0d\u7a05\u5e74\u5ea6\uff0c\u7d0d\u7a05\u4eba\u66fe\u7d93\u4f4f\u9662\u6216\u767c\u751f\u6602\u8cb4\u7684\u91ab\u7642\u652f\u51fa\u6216\u7259\u79d1\u8cbb\uff0c\u8acb\u8a18\u5f97\u8981\u4fdd\u7559\u9019\u4e9b\u6536\u64da\u3002 \u4e00\u822c\u4f86\u8aaa\uff0c\u5982\u679c\u9019\u4e9b\u91ab\u7642\u652f\u51fa\u4f54AGI\u7684\u6bd4\u4f8b\uff0c\u8d85\u904e10%\u6642\uff0c\u8d85\u51fa\u7684\u8cbb\u7528\u53ef\u4ee5\u62b5\u6263\u3002 2016\u5e74\uff0c\u5e74\u7d00\u5927\u65bc65\u6b72\u8005\uff0c10%\u9580\u6abb\u964d\u4f4e\u70ba7.5%\uff0c2017\u5e74\u6240\u6709\u4eba\u90fd\u9069\u752810%\u9580\u6abb\u3002 11\u3001\u8ce3\u6389\u90a3\u4e9b\u8667\u672c\u7684\u6295\u8cc7 \u60f3\u8981\u5408\u6cd5\u7bc0\u7a05\uff0c\u6709\u500b\u5f88\u5bb9\u6613\u505a\u5230\u7684\u65b9\u6cd5\uff0c\u5c31\u662f\u8ce3\u6389\u8667\u672c\u7684\u80a1\u7968\u6216\u5176\u5b83\u6295\u8cc7\uff0c\u56e0\u70ba\u640d\u5931\u7684\u90e8\u5206\u53ef\u4ee5\u6263\u9664\uff0c\u964d\u4f4e\u8cc7\u672c\u5229\u5f97\u7684\u7e3d\u984d\u3002\u9019\u9805\u6263\u9664\u984d\u7684\u4e0a\u9650\u662f3,000\u7f8e\u5143\uff0c\u5df2\u5a5a\u5206\u958b\u5831\u7a05\u7684\u592b\u59bb\u662f1,500\u7f8e\u5143\u3002 12\u3001\u638c\u63e1\u6b63\u78ba\u7684\u6642\u9593 \u5f9e\u7a05\u52d9\u7684\u89d2\u5ea6\u4f86\u770b\uff0c12\u670831\u65e5\u548c\u9694\u5e741\u67081\u65e5\u7684\u884c\u52d5\uff0c\u9020\u6210\u7684\u6548\u679c\u53ef\u80fd\u6709\u5f88\u5927\u7684\u5dee\u7570\u3002\u5982\u679c\u7d0d\u7a05\u4eba\u77e5\u9053\u5e74\u5e95\u524d\u5373\u5c07\u5230\u4f86\u7684\u8cbb\u7528\u662f\u53ef\u4ee5\u62b5\u7a05\u7684\uff0c\u5c31\u8d95\u5feb\u884c\u52d5\uff0c\u4e0d\u8981\u62d6\u5230\u9694\u5e74\u624d\u505a\u3002 \u00a0 \u6587\/read01","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/03\/tax.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/03\/tax.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/03\/tax.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":165683,"url":"https:\/\/newsforchinese.com\/v3\/2018\/12\/30\/%e7%be%8e%e5%9c%8b%e7%af%80%e7%a8%8512%e6%8b%9b-2\/","url_meta":{"origin":282902,"position":1},"title":"\u7f8e\u570b\u7bc0\u7a0512\u62db","author":"Raymond","date":"December 30, 2018","format":false,"excerpt":"\u5408\u6cd5\u7bc0\u7a05\u8207\u5077\u7a05\u6f0f\u7a05\u662f\u622a\u7136\u4e0d\u540c\u7684\u5169\u56de\u4e8b\u3002\u5340\u5225\u5728\u65bc\u524d\u8005\u5408\u6cd5\uff0c\u5f8c\u8005\u975e\u6cd5\u3002\u4e16\u8cbf\u901a\u79fb\u6c11\u96c6\u5718\u5021\u5c0e\u8d74\u7f8e\u6295\u8cc7\u6216\u5b9a\u5c45\uff0c\u8981\u4f9d\u6cd5\u7d0d\u7a05\uff0c\u53cd\u5c0d\u5077\u7a05\u6f0f\u7a05\uff0c\u4f46\u662f\u7f8e\u570b\u7684\u7a05\u52d9\u5236\u5ea6\u548c\u6587\u5316\u5bb9\u8a31\u5408\u6cd5\u7bc0\u7a05\u3002 \u4ee5\u4e0b12\u7a2e\u5408\u6cd5\u7bc0\u7a05\u65b9\u6cd5\uff0c\u503c\u5f97\u5617\u8a66\uff0c\u8a73\u60c5\u53ef\u8aee\u8a62\u5c08\u696d\u7a05\u52d9\u5e2b\u3002 1. \u8abf\u6574W-4 W-4\u901a\u5e38\u662f\u54e1\u5de5\u63d0\u4ea4\u7d66\u96c7\u4e3b\u7684\u8868\u683c\uff0c\u5b83\u6c7a\u5b9a\u8457\u54e1\u5de5\u6bcf\u500b\u6708\u5f9e\u85aa\u8cc7\u4e2d\u88ab\u9810\u6263\u7684\u7a05\u91d1\u3002\u5982\u679c\u4eca\u5e74\u5831\u7a05\u6642\u767c\u73fe\u8981\u7e73\u5f88\u591a\u7a05\uff0c\u9020\u6210\u8ca0\u64d4\uff0c\u90a3\u9ebc\u53ef\u4ee5\u8abf\u6574W-4\u8868\uff0c\u63d0\u9ad8\u6bcf\u500b\u6708\u9810\u6263\u7a05\u6b3e\u3002 2. \u591a\u653e\u9ede\u9322\u5728401\uff08k\uff09\u7684 \u61c9\u7a05\u6536\u5165\u8d8a\u5c11\uff0c\u8868\u793a\u8981\u7e73\u7684\u7a05\u8d8a\u5c11\u3002\u53c3\u52a0\u96c7\u4e3b\u8cc7\u52a9\u7684401\uff08k\uff09\u7684\u9000\u4f11\u91d1\u8a08\u5283\uff0c\u4e26\u5c07\u66f4\u591a\u7684\u5de5\u8cc7\u64a5\u5165\u9019\u500b\u5e33\u6236\uff0c\u662f\u964d\u4f4e\u61c9\u7a05\u6536\u5165\u6700\u5e38\u7528\u7684\u65b9\u5f0f\uff0c\u56e0\u70ba\u570b\u7a05\u5c40\uff08IRS\uff09\u4e0d\u6703\u5c0d\u7d0d\u7a05\u4eba\u8f49\u5165401\uff08k\uff09\u7684\u5e33\u6236\u7684\u6536\u5165\u5fb5\u7a05\u3002 3. \u5229\u7528\u500b\u4eba\u9000\u4f11\u5132\u84c4\u5e33\u6236\uff08IRA\uff09 \u7f8e\u570bIRA\u4e3b\u8981\u6709\u5169\u7a2e\uff1aRoth IRA\u548c\u50b3\u7d71IRA\u3002\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5229\u7528\u50b3\u7d71IRA\u7684\u4f9b\u6b3e\uff0c\u6e1b\u5c11\u61c9\u652f\u4ed8\u7684\u6240\u5f97\u7a05\uff0c\u81f3\u65bc\u514d\u7a05\u984d\u5ea6\uff0c\u5247\u53d6\u6c7a\u65bc\u7d0d\u7a05\u4eba\u6216\u5176\u914d\u5076\u7684\u96c7\u4e3b\u662f\u5426\u5df2\u63d0\u4f9b\u9000\u4f11\u8a08\u5283\u3002 4. 529\u5927\u5b78\u5132\u84c4\u8a08\u5283 529\u5927\u5b78\u5132\u84c4\u8a08\u5283\u662f\u4e00\u7a2e\u201c\u591a\u6a23\u6295\u8cc7\u7d44\u5408\u201d\u5132\u84c4\u5e33\u6236\u8a08\u5283\uff0c\u4efb\u4f55\u5728\u6b64\u5e33\u6236\u5167\u6240\u7372\u53d6\u7684\u6536\u76ca\uff0c\u5747\u7121\u9808\u4ed8\u5dde\u6216\u806f\u90a6\u7a05\uff0c\u4f46\u6240\u5f97\u9808\u7528\u65bc\u6559\u80b2\u7528\u9014\u3002\u7d0d\u7a05\u4eba\u53c3\u52a0\u5dde\u6216\u6559\u80b2\u6a5f\u69cb\u7684529\u5927\u5b78\u5132\u84c4\u8a08\u5283\uff0c\u70ba\u5b50\u5973\u958b\u7acb529\u5e33\u6236\uff0c\u53ef\u4eab\u53d7\u5dde\u653f\u5e9c\u7684\u6e1b\u7a05\u597d\u8655\u3002 5. \u5584\u7528\u96c7\u4e3b\u63d0\u4f9b\u7684\u5f48\u6027\u6d88\u8cbb\u5e33\u6236\uff08FSA\uff09 \u7d0d\u7a05\u4eba\u5982\u679c\u5bb6\u4e2d\u6709\u5c0f\u5b69\u6216\u9700\u8981\u7167\u9867\u7684\u89aa\u5c6c\uff0c\u53ef\u4ee5\u8003\u616e\u52a0\u5165\u96c7\u4e3b\u63d0\u4f9b\u7684\u5f48\u6027\u6d88\u8cbb\u5e33\u6236\uff0c\u5c07\u9322\u5b58\u5165FSA\uff0c\u5c08\u9580\u7528\u65bc\u7167\u9867\u5b69\u5b50\u6216\u5bb6\u4eba\uff0c\u9019\u7b46\u9322\u53ef\u4ee5\u514d\u7a05\u3002 6. \u5584\u7528\u96c7\u4e3b\u63d0\u4f9b\u7684\u7167\u8b77\u64ab\u990a\u5b50\u5973FSA \u7d0d\u7a05\u4eba\u5982\u679c\u8981\u64ab\u990a13\u6b72\u4ee5\u4e0b\u7684\u5b50\u5973\uff0c\u53ef\u4ee5\u8003\u616e\u52a0\u5165\u96c7\u4e3b\u63d0\u4f9b\u7684\u201c\u7167\u8b77\u64ab\u990a\u5b50\u5973FSA\uff08Dependent Care FSA\uff09\u201d\uff0c\u5b83\u7684\u514d\u7a05\u984d\u5ea6\u662f5,000\u7f8e\u5143\u3002 \u9019\u500b\u5e33\u6236\u7684\u9322\u53ef\u7528\u4f86\u652f\u4ed8\u5b50\u5973\u5b78\u524d\u548c\u8ab2\u5f8c\u7684\u7167\u9867\uff0c\u65e5\u6258\uff0c\u5b78\u524d\u73ed\u548c\u65e5\u9593\u9732\u71df\u7b49\u6240\u9700\u8981\u7684\u8cbb\u7528\u3002\u6b64\u5916\uff0c\u7167\u9867\u9577\u8005\u7684\u8cbb\u7528\u4e5f\u53ef\u4ee5\u5305\u62ec\u5728\u5167\u3002 7. \u5229\u7528\u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff08HSA\uff09 \u958b\u7acbHSA\u652f\u4ed8\u91ab\u7642\u8cbb\u7528\u8005\u53ef\u4eab\u514d\u7a05\u512a\u60e0.HSA\u662f\u9ad8\u81ea\u4ed8\u984d\u5065\u4fdd\u8a08\u5283\uff0c\u7d0d\u7a05\u4eba\u53ef\u4ee5\u901a\u904e\u5c0dHSA\u7684\u4f9b\u6b3e\u6e1b\u7a05\u3002\u5c0dHSA\u7684\u4f9b\u6b3e\u53ca\u63d0\u6b3e\u90fd\u662f\u514d\u7a05\u7684\uff0c\u524d\u63d0\u662f\u7528\u65bc\u5408\u683c\u7684\u91ab\u7642\u8cbb\u7528\u3002 8. \u67e5\u770b\u662f\u5426\u53ef\u9069\u7528\u85aa\u8cc7\u6536\u5165\u62b5\u6e1b \u7d0d\u7a05\u4eba\u5982\u679c\u6bcf\u5e74\u85aa\u8cc7\u6536\u5165\u5c11\u65bc5.4\u842c\u7f8e\u5143\uff0c\u503c\u5f97\u8a66\u7b97\u662f\u5426\u7b26\u5408\u85aa\u8cc7\u6536\u5165\u62b5\u6e1b\u7684\u898f\u5b9a\u3002 \u9019\u9805\u62b5\u7a05\u662f\u6839\u64da\u7d0d\u7a05\u4eba\u7684\u6536\u5165\uff0c\u5a5a\u59fb\u72c0\u6cc1\u548c\u64ab\u990a\u5b50\u5973\u4eba\u6578\uff0c\u8a08\u7b97\u53ef\u4eab\u7684\u62b5\u7a05\u984d\u5ea6\u3002 9. \u6350\u8d08 \u5c0d\u5408\u683c\u7684\u6148\u5584\u6a5f\u69cb\u7684\u6350\u8d08\u662f\u53ef\u4ee5\u6263\u9664\u7684\uff0c\u800c\u4e14\u6350\u8d08\u7269\u54c1\u4e5f\u53ef\u4ee5\u62b5\u7a05\u3002\u4f8b\u5982\uff0c\u6350\u8d08\u7684\u8863\u670d\uff0c\u98df\u7269\uff0c\u820a\u7684\u904b\u52d5\u5668\u6750\u6216\u5bb6\u5ead\u7528\u54c1\uff0c\u90fd\u53ef\u4ee5\u62b5\u7a05\u3002 \u6b64\u5916\uff0c\u70ba\u5408\u683c\u7684\u6148\u5584\u6a5f\u69cb\u7fa9\u52d9\u670d\u52d9\u64d4\u4efb\u7fa9\u5de5\u6642\uff0c\u81ea\u638f\u8170\u5305\u7684\u8cbb\u7528\uff0c\u6216\u8005\u81ea\u4f4f\u5bb6\u7b49\u5730\u9ede\u5230\u6148\u5584\u6a5f\u69cb\u7684\u5f80\u8fd4\u91cc\u7a0b\u6578\uff0c\u4e26\u7531\u6b64\u8a08\u7b97\u53ef\u4ee5\u62b5\u6263\u7684\u6c7d\u6cb9\u8cbb\u3002 10. \u4fdd\u5b58\u91ab\u7642\u8cbb\u7528\u6587\u4ef6 \u5982\u679c\u5728\u7d0d\u7a05\u5e74\u5ea6\uff0c\u7d0d\u7a05\u4eba\u66fe\u7d93\u4f4f\u9662\u6216\u767c\u751f\u6602\u8cb4\u7684\u91ab\u7642\u652f\u51fa\u6216\u7259\u79d1\u8cbb\uff0c\u8acb\u8a18\u5f97\u8981\u4fdd\u7559\u9019\u4e9b\u6536\u64da\u3002 \u4e00\u822c\u4f86\u8aaa\uff0c\u5982\u679c\u9019\u4e9b\u91ab\u7642\u652f\u51fa\u4f54AGI\u7684\u6bd4\u4f8b\uff0c\u8d85\u904e10\uff05\u6642\uff0c\u8d85\u51fa\u7684\u8cbb\u7528\u53ef\u4ee5\u62b5\u6263\u30022016\u5e74\uff0c\u5e74\u7d00\u5927\u65bc65\u6b72\u8005\uff0c10\uff05\u9580\u6abb\u964d\u4f4e\u70ba7.5\uff05\uff0c2017\u5e74\u6240\u6709\u4eba\u90fd\u9069\u752810\uff05\u9580\u6abb\u3002 11. \u8ce3\u6389\u90a3\u4e9b\u8667\u672c\u7684\u6295\u8cc7 \u60f3\u8981\u5408\u6cd5\u7bc0\u7a05\uff0c\u6709\u500b\u5f88\u5bb9\u6613\u505a\u5230\u7684\u65b9\u6cd5\uff0c\u5c31\u662f\u8ce3\u6389\u8667\u672c\u7684\u80a1\u7968\u6216\u5176\u5b83\u6295\u8cc7\uff0c\u56e0\u70ba\u640d\u5931\u7684\u90e8\u5206\u53ef\u4ee5\u6263\u9664\uff0c\u964d\u4f4e\u8cc7\u672c\u5229\u5f97\u7684\u7e3d\u984d\u3002\u9019\u9805\u6263\u9664\u984d\u7684\u4e0a\u9650\u662f3000\u7f8e\u5143\uff0c\u5df2\u5a5a\u5206\u958b\u5831\u7a05\u7684\u592b\u59bb\u662f1500\u7f8e\u5143\u3002 12. \u638c\u63e1\u6b63\u78ba\u7684\u6642\u9593 \u5f9e\u7a05\u52d9\u7684\u89d2\u5ea6\u4f86\u770b\uff0c12\u670831\u65e5\u548c\u9694\u5e741\u67081\u65e5\u7684\u884c\u52d5\uff0c\u9020\u6210\u7684\u6548\u679c\u53ef\u80fd\u6709\u5f88\u5927\u7684\u5dee\u7570\u3002\u5982\u679c\u7d0d\u7a05\u4eba\u77e5\u9053\u5e74\u5e95\u524d\u5373\u5c07\u5230\u4f86\u7684\u8cbb\u7528\u662f\u53ef\u4ee5\u62b5\u7a05\u7684\uff0c\u5c31\u8d95\u5feb\u884c\u52d5\uff0c\u4e0d\u8981\u62d6\u5230\u9694\u5e74\u624d\u505a\u3002 \u6587\/ read01.com","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/tax-deduction.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/tax-deduction.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/tax-deduction.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":294299,"url":"https:\/\/newsforchinese.com\/v3\/2026\/04\/25\/%e7%be%85%e6%96%af%e8%bd%89%e5%8c%96%e7%ad%96%e7%95%a5%ef%bc%88roth-conversion%ef%bc%89%e8%a7%a3%e6%9e%90\/","url_meta":{"origin":282902,"position":2},"title":"\u7f85\u65af\u8f49\u5316\u7b56\u7565\uff08Roth Conversion\uff09\u89e3\u6790","author":"Raymond","date":"April 25, 2026","format":false,"excerpt":"\u9000\u4f11\u898f\u5283\u7684\u9ec3\u91d1\u6a4b\u6a11\uff1a\u7f85\u65af\u8f49\u5316\u7b56\u7565\uff08Roth Conversion\uff09\u6df1\u5ea6\u89e3\u6790\u3002 \u5728\u7f8e\u570b\u7684\u9000\u4f11\u91d1\u898f\u5283\u4e2d\uff0c\u7a05\u52d9\u7ba1\u7406\u5f80\u5f80\u6bd4\u6295\u8cc7\u6536\u76ca\u672c\u8eab\u66f4\u70ba\u95dc\u9375\u3002\u8a31\u591a\u4eba\u5728\u8077\u696d\u751f\u6daf\u4e2d\u7fd2\u6163\u5c07\u8cc7\u91d1\u6295\u5165\u50b3\u7d71 IRA\uff08Traditional IRA\uff09\u6216 401(k\uff09\uff0c\u4ee5\u4eab\u53d7\u7576\u4e0b\u7684\u7a05\u524d\u6263\u9664\u512a\u60e0\u3002\u7136\u800c\uff0c\u96a8\u8457\u9000\u4f11\u5e74\u9f61\u589e\u9577\uff0c\u300c\u5f37\u5236\u6700\u4f4e\u63d0\u9818\u984d\u300d\uff08RMD\uff09\u7684\u58d3\u529b\u8207\u672a\u4f86\u4e0d\u78ba\u5b9a\u7684\u7a05\u7387\u8abf\u6574\uff0c\u5e38\u8b93\u4eba\u5728\u665a\u5e74\u9762\u81e8\u6c89\u91cd\u7684\u7a05\u52d9\u8ca0\u64d4\u3002\u9019\u6642\uff0c\u300c\u7f85\u65af\u8f49\u5316\u7b56\u7565\u300d\uff08Roth Conversion\uff09\u4fbf\u6210\u70ba\u4e00\u7a2e\u6975\u5177\u6230\u7565\u50f9\u503c\u7684\u8ca1\u52d9\u5de5\u5177\u3002 \u4ec0\u9ebc\u662f\u7f85\u65af\u8f49\u5316\uff08Roth Conversion\uff09\uff1f \u7f85\u65af\u8f49\u5316\u7684\u6838\u5fc3\u6982\u5ff5\uff0c\u662f\u5c07\u5b58\u653e\u5728\u50b3\u7d71 IRA \u6216 401(k) \u7b49\u300c\u7a05\u524d\u5e33\u6236\u300d\u4e2d\u7684\u8cc7\u91d1\uff0c\u8f49\u79fb\u5230\u7f85\u65af IRA\uff08Roth IRA\uff09\u300c\u7a05\u5f8c\u5e33\u6236\u300d\u4e2d\u3002\u8f49\u5316\u7684\u7576\u4e0b\uff0c\u9019\u7b46\u8cc7\u91d1\u88ab\u8996\u70ba\u7576\u5e74\u7684\u666e\u901a\u6536\u5165\uff0c\u5fc5\u9808\u6309\u7167\u7576\u6642\u7684\u7a05\u7387\u7e73\u7d0d\u806f\u90a6\u8207\u5dde\u6240\u5f97\u7a05\u3002 \u96d6\u7136\u8f49\u5316\u6642\u9700\u8981\u300c\u5148\u4ed8\u7a05\u300d\uff0c\u4f46\u8f49\u5165 Roth IRA \u5f8c\uff0c\u8cc7\u91d1\u5728\u5e33\u6236\u5167\u7684\u589e\u503c\u5b8c\u5168\u514d\u7a05\uff0c\u4e14\u53ea\u8981\u6eff\u8db3\u6301\u80a1\u4e94\u5e74\u7684\u898f\u5247\u4e26\u9054\u5230 59.5 \u6b72\uff0c\u672a\u4f86\u7684\u6240\u6709\u63d0\u9818\u2014\u2014\u7121\u8ad6\u662f\u672c\u91d1\u9084\u662f\u9f90\u5927\u7684\u6295\u8cc7\u6536\u76ca\u2014\u2014\u901a\u901a\u300c\u7d42\u8eab\u514d\u7a05\u300d\u3002 \u70ba\u4f55\u9078\u64c7\u5728\u300c\u9000\u4f11\u521d\u671f\u300d\u9032\u884c\uff1f \u7f85\u65af\u8f49\u5316\u7b56\u7565\u6210\u529f\u7684\u95dc\u9375\u5728\u65bc**\u300c\u7a05\u7387\u5dee\u300d\u3002\u6700\u7406\u60f3\u7684\u57f7\u884c\u7a97\u53e3\u901a\u5e38\u662f\u5f9e\u9000\u4f11\u90a3\u5929\u8d77\u5230\u9818\u53d6\u793e\u6703\u5b89\u5168\u91d1\uff08Social Security\uff09\u6216\u9054\u5230 RMD \u555f\u52d5\u5e74\u9f61\uff08\u73fe\u70ba 73-75 \u6b72\uff09\u4e4b\u9593\u7684\u300c\u771f\u7a7a\u671f\u300d\u3002** \u5728\u9019\u500b\u968e\u6bb5\uff0c\u7531\u65bc\u85aa\u8cc7\u6536\u5165\u505c\u6b62\uff0c\u500b\u4eba\u7684\u7e3d\u6536\u5165\u901a\u5e38\u6703\u5927\u5e45\u4e0b\u964d\uff0c\u9032\u800c\u843d\u5728\u8f03\u4f4e\u7684\u806f\u90a6\u7a05\u7387\u7d1a\u8ddd\uff08\u4f8b\u5982 10% \u6216 12%\uff09\u3002\u6b64\u6642\u9032\u884c\u5206\u6279\u8f49\u5316\uff0c\u7b49\u65bc\u662f\u4ee5\u300c\u6253\u6298\u300d\u7684\u7a05\u7387\uff0c\u5c07\u672a\u4f86\u53ef\u80fd\u589e\u503c\u6578\u500d\u7684\u8cc7\u7522\u63d0\u524d\u9396\u5b9a\u70ba\u514d\u7a05\u8cc7\u7522\u3002 \u7f85\u65af\u8f49\u5316\u7b56\u7565\u7684\u4e09\u5927\u6230\u7565\u512a\u52e2 1. \u6d88\u9664\u5f37\u5236\u6700\u4f4e\u63d0\u9818\uff08RMD\uff09\u7684\u5a01\u8105\uff1a \u50b3\u7d71\u5e33\u6236\u5728\u6cd5\u5b9a\u671f\u9650\u5f8c\u5fc5\u9808\u5f37\u5236\u63d0\u9818\u4e26\u8ab2\u7a05\uff0c\u9019\u53ef\u80fd\u5c07\u9000\u4f11\u8005\u7684\u7a05\u7387\u63a8\u5411\u66f4\u9ad8\u5c64\u7d1a\u3002Roth IRA \u5247\u6c92\u6709 RMD \u9650\u5236\uff0c\u9019\u8b93\u8cc7\u7522\u53ef\u4ee5\u7121\u9650\u671f\u5730\u5728\u5e33\u6236\u5167\u5229\u6efe\u5229\uff0c\u63d0\u4f9b\u6975\u5927\u7684\u8cc7\u91d1\u8abf\u5ea6\u5f48\u6027\u3002 2. \u61c9\u5c0d\u672a\u4f86\u7a05\u7387\u4e0a\u6f32\u7684\u5c0d\u6c96\u5de5\u5177\uff1a \u6839\u64da\u76ee\u524d\u7684\u7a05\u6cd5\uff0c\u300a\u6e1b\u7a05\u8207\u5c31\u696d\u6cd5\u6848\u300b\uff08TCJA\uff09\u9810\u8a08\u65bc 2025 \u5e74\u5e95\u5230\u671f\u3002\u5982\u679c\u4e0d\u7e8c\u7d04\uff0c\u672a\u4f86\u7684\u7a05\u7387\u5f88\u53ef\u80fd\u4e0a\u8abf\u3002\u73fe\u5728\u9032\u884c\u8f49\u5316\uff0c\u672c\u8cea\u4e0a\u662f\u5728\u7a05\u7387\u76f8\u5c0d\u4f4e\u9ede\u300c\u9810\u7e73\u300d\u672a\u4f86\u7684\u7a05\u6b3e\u3002 3. \u7a05\u52d9\u6548\u7387\u6975\u9ad8\u7684\u907a\u7522\u898f\u5283\uff1a \u5c0d\u65bc\u7e7c\u627f\u4eba\u4f86\u8aaa\uff0c\u7e7c\u627f\u50b3\u7d71 IRA\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\/2026\/04\/%E7%BE%85%E6%96%AF%E8%BD%89%E5%8C%96%E7%AD%96%E7%95%A5%EF%BC%88Roth-Conversion%EF%BC%89%E8%A7%A3%E6%9E%90.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":295902,"url":"https:\/\/newsforchinese.com\/v3\/2026\/05\/24\/%e9%81%bf%e9%96%8b%e9%80%80%e4%bc%91%e9%87%91%e3%80%8c%e7%a8%85%e5%8b%99%e9%99%b7%e9%98%b1%e3%80%8d\/","url_meta":{"origin":282902,"position":3},"title":"\u907f\u958b\u9000\u4f11\u91d1\u300c\u7a05\u52d9\u9677\u9631\u300d","author":"Raymond","date":"May 24, 2026","format":false,"excerpt":"\u907f\u958b\u9000\u4f11\u91d1\u300c\u7a05\u52d9\u9677\u9631\u300d\uff1a73\u6b72\u5f37\u5236\u63d0\u64a5\uff08RMD\uff09\u7684\u63d0\u524d\u4f48\u5c40\u8207\u52a0\u5dde\u7a05\u52d9\u7b56\u7565\u3002 \u5728\u8f9b\u82e6\u6253\u62fc\u6578\u5341\u5e74\u3001\u7d2f\u7a4d\u4e86\u53ef\u89c0\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09\u6216 401(k) \u8cc7\u7522\u5f8c\uff0c\u8a31\u591a\u52a0\u5dde\u7a05\u52d9\u5c45\u6c11\u5f80\u5f80\u5ffd\u7565\u4e86\u4e00\u500b\u6f5b\u85cf\u7684\u300c\u8ca1\u52d9\u5b9a\u6642\u70b8\u5f48\u300d - \u6700\u4f4e\u53d6\u6b3e\u8981\u6c42\uff08Required Minimum Distributions, \u7c21\u7a31 RMD\uff09\u3002\u6839\u64da\u806f\u90a6\u6cd5\u5f8b\uff0c\u7576\u60a8\u6b65\u5165 73 \u6b72\u6642\uff0c\u653f\u5e9c\u5c07\u4e0d\u518d\u5141\u8a31\u8cc7\u91d1\u5728\u9000\u4f11\u5e33\u6236\u4e2d\u7121\u9650\u671f\u589e\u9577\uff0c\u800c\u662f\u5f37\u5236\u8981\u6c42\u60a8\u6bcf\u5e74\u9818\u53d6\u4e00\u5b9a\u6bd4\u4f8b\u7684\u91d1\u984d\u3002 \u5c0d\u65bc\u5c45\u4f4f\u5728\u5168\u7f8e\u6240\u5f97\u7a05\u7387\u6700\u9ad8\u7684\u52a0\u5dde\u5c45\u6c11\u800c\u8a00\uff0c\u82e5\u672a\u63d0\u524d\u898f\u5283 RMD\uff0c\u9019\u7b46\u5f37\u5236\u63d0\u64a5\u7684\u6b3e\u9805\u6975\u53ef\u80fd\u5728\u77ac\u9593\u5c07\u60a8\u7684\u5e74\u5ea6\u6536\u5165\u63a8\u5411\u52a0\u5dde\u6700\u9ad8\u7a05\u7387\u7d1a\u8ddd\uff0c\u8b93\u539f\u672c\u5b89\u7a69\u7684\u9000\u4f11\u751f\u6d3b\u56e0\u7a05\u52d9\u8ca0\u64d4\u800c\u7e2e\u6c34\u3002 \u4e00\u3001 \u8a8d\u8b58 RMD\uff1a73 \u6b72\u5f8c\u7684\u5f37\u5236\u8003\u9a57 \u96a8\u8457\u300aSECURE 2.0 Act\u300b\u6cd5\u6848\u7684\u901a\u904e\uff0c\u76ee\u524d\u806f\u90a6\u898f\u5b9a\u7684 RMD \u8d77\u59cb\u5e74\u9f61\u5df2\u5ef6\u5f8c\u81f3 73 \u6b72\uff081960 \u5e74\u6216\u4e4b\u5f8c\u51fa\u751f\u8005\u672a\u4f86\u5c07\u5ef6\u81f3 75 \u6b72\uff09\u3002RMD \u9069\u7528\u65bc\u5927\u591a\u6578\u5ef6\u7a05\u578b\u9000\u4f11\u5e33\u6236\uff0c\u5305\u62ec Traditional IRA\u3001401(k)\u3001403(b) \u7b49\u3002 RMD \u7684\u63d0\u64a5\u91d1\u984d\u662f\u6839\u64da\u60a8\u524d\u4e00\u5e74\u5e74\u5e95\u7684\u5e33\u6236\u7e3d\u984d\uff0c\u9664\u4ee5\u570b\u7a05\u5c40\uff08IRS\uff09\u9810\u671f\u58fd\u547d\u8868\u8a08\u7b97\u5f97\u51fa\u3002\u96a8\u8457\u5e74\u9f61\u589e\u9577\uff0c\u5f37\u5236\u63d0\u53d6\u7684\u767e\u5206\u6bd4\u6703\u9010\u5e74\u4e0a\u5347\u3002\u7531\u65bc\u9019\u7b46\u9322\u5728\u9818\u53d6\u6642\u6703\u88ab\u8996\u70ba\u300c\u666e\u901a\u6536\u5165\uff08Ordinary Income\uff09\u300d\uff0c\u82e5\u5e33\u6236\u898f\u6a21\u9f90\u5927\uff0c\u6bcf\u5e74\u7684 RMD \u53ef\u80fd\u9ad8\u9054\u6578\u842c\u751a\u81f3\u6578\u5341\u842c\u7f8e\u5143\u3002 \u4e8c\u3001 \u52a0\u5dde\u7a05\u52d9\u7684\u300c\u96d9\u91cd\u6253\u64ca\u300d \u5728\u806f\u90a6\u5c64\u9762\uff0c\u5927\u984d\u6536\u5165\u53ef\u80fd\u89f8\u767c\u6700\u9ad8 37% \u7684\u7a05\u7387\uff1b\u800c\u5728\u52a0\u5dde\uff0c\u60c5\u6cc1\u5247\u66f4\u70ba\u56b4\u5cfb\u3002\u52a0\u5dde\u5be6\u65bd\u7d2f\u9032\u7a05\u5236\uff0c\u6700\u9ad8\u908a\u969b\u7a05\u7387\u9ad8\u9054 13.3%\uff08\u5305\u542b\u5fc3\u7406\u5065\u5eb7\u670d\u52d9\u7a05\uff09\u3002 \u7576 RMD \u7684\u5f37\u5236\u53d6\u6b3e\u758a\u52a0\u5728\u60a8\u7684\u793e\u6703\u5b89\u5168\u91d1\uff08Social Security\uff09\u3001\u6295\u8cc7\u80a1\u606f\u3001\u751a\u81f3\u662f\u623f\u5730\u7522\u79df\u91d1\u6536\u5165\u4e4b\u4e0a\u6642\uff0c\u7e3d\u6536\u5165\u6975\u6613\u885d\u7834\u7a05\u52d9\u7d1a\u8ddd\u7684\u908a\u754c\u3002\u66f4\u7cdf\u7684\u662f\uff0c\u5927\u984d\u6536\u5165\u9084\u6703\u5f15\u767c IRMAA\uff08\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u4fdd\u8cbb\u8abf\u6574\uff09\uff0c\u5c0e\u81f4\u60a8\u7684 Medicare Part\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\/2026\/05\/73%E6%AD%B2%E5%BC%B7%E5%88%B6%E6%8F%90%E6%92%A5%EF%BC%88RMD%EF%BC%89%E7%9A%84%E6%8F%90%E5%89%8D%E4%BD%88%E5%B1%80%E8%88%87%E5%8A%A0%E5%B7%9E%E7%A8%85%E5%8B%99%E7%AD%96%E7%95%A5.png?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":280406,"url":"https:\/\/newsforchinese.com\/v3\/2025\/07\/18\/%e5%96%84%e7%94%a8%e7%a7%81%e4%ba%ba%e5%9f%ba%e9%87%91%e6%9c%83%e7%af%80%e7%a8%85%e5%b7%a5%e5%85%b7\/","url_meta":{"origin":282902,"position":4},"title":"\u5584\u7528\u79c1\u4eba\u57fa\u91d1\u6703\u7bc0\u7a05\u5de5\u5177","author":"Raymond","date":"July 18, 2025","format":false,"excerpt":"\u5584\u7528\u79c1\u4eba\u57fa\u91d1\u6703\u7bc0\u7a05\u5de5\u5177\u3000\u9ad8\u8cc7\u7522\u4eba\u58eb\u51fa\u552e\u623f\u5730\u7522\u6709\u89e3\u65b9\u3002 \u9762\u5c0d\u623f\u5730\u7522\u5927\u5e45\u589e\u503c\u5f8c\u7684\u9ad8\u984d\u8cc7\u672c\u5229\u5f97\u7a05\uff0c\u8d8a\u4f86\u8d8a\u591a\u9ad8\u8cc7\u7522\u4eba\u58eb\u958b\u59cb\u5c0b\u6c42\u5408\u6cd5\u4e14\u5177\u516c\u76ca\u6027\u7684\u7bc0\u7a05\u7b56\u7565\u3002\u900f\u904e\u8a2d\u7acb\u79c1\u4eba\u57fa\u91d1\u6703\uff08Private Foundation\uff09\uff0c\u4e0d\u50c5\u53ef\u4ee5\u6709\u6548\u964d\u4f4e\u6216\u5ef6\u7de9\u8cc7\u672c\u5229\u5f97\u7a05\u8ca0\uff0c\u66f4\u53ef\u70ba\u5bb6\u65cf\u7559\u4e0b\u9577\u671f\u516c\u76ca\u8cc7\u7522\uff0c\u6210\u70ba\u8fd1\u5e74\u8ca1\u5bcc\u50b3\u627f\u8207\u7a05\u52d9\u898f\u5283\u7684\u91cd\u8981\u5de5\u5177\u4e4b\u4e00\u3002 \u6839\u64da\u7f8e\u570b\u7a05\u6cd5\u898f\u5b9a\uff0c\u500b\u4eba\u5728\u51fa\u552e\u623f\u5730\u7522\u6642\uff0c\u5982\u623f\u7522\u50f9\u503c\u5df2\u5927\u5e45\u589e\u503c\uff0c\u9664\u4eab\u6709\u81ea\u4f4f\u623f\u6e1b\u514d\u984d\u5916\uff0c\u5269\u9918\u7684\u8cc7\u672c\u5229\u5f97\u90e8\u5206\u9808\u7e73\u7d0d\u806f\u90a6\u6700\u9ad820%\uff08\u52a0\u5dde\u53e6\u8a08\uff09\u7684\u7a05\u91d1\u3002\u4f8b\u5982\uff0c\u4e00\u68df\u539f\u59cb\u8cfc\u8cb7\u6210\u672c\u70ba100\u842c\u7f8e\u5143\u7684\u623f\u5c4b\uff0c\u5982\u4eca\u4ee5500\u842c\u7f8e\u5143\u51fa\u552e\uff0c\u5229\u6f64\u9054400\u842c\uff0c\u53ef\u80fd\u9762\u81e880\u842c\u7f8e\u5143\u4ee5\u4e0a\u7684\u7a05\u91d1\u8ca0\u64d4\u3002 \u7136\u800c\uff0c\u82e5\u5728\u51fa\u552e\u524d\uff0c\u5c07\u623f\u5730\u7522\u6350\u8d08\u7d66\u7d93\u570b\u7a05\u5c40\u6838\u51c6\u7684\u79c1\u4eba\u57fa\u91d1\u6703\uff0c\u518d\u7531\u8a72\u57fa\u91d1\u6703\u51fa\u552e\u623f\u5730\u7522\uff0c\u4e0d\u4f46\u53ef\u4ee5\u5408\u6cd5\u907f\u514d\u8cc7\u672c\u5229\u5f97\u7a05\uff0c\u6350\u8d08\u4eba\u9084\u53ef\u4eab\u6709\u9ad8\u984d\u7684\u6148\u5584\u6350\u8d08\u62b5\u7a05\u984d\u5ea6\uff0c\u6700\u9ad8\u53ef\u62b5\u7576\u5e74\u6536\u5165\u768420%\u81f330%\uff0c\u8d85\u51fa\u90e8\u5206\u9084\u53ef\u905e\u5ef6\u4e94\u5e74\u6263\u62b5\u3002 \u300c\u9019\u662f\u4e00\u7a2e\u96d9\u8d0f\u7b56\u7565\uff0c\u65e2\u9054\u6210\u7bc0\u7a05\u76ee\u7684\uff0c\u4e5f\u80fd\u5c07\u8ca1\u5bcc\u6295\u5165\u5c0d\u793e\u6703\u6709\u76ca\u7684\u65b9\u5411\u3002\u300d\u7063\u5340\u4e00\u4f4d\u8cc7\u6df1\u8ca1\u52d9\u9867\u554f\u8868\u793a\uff0c\u300c\u5f88\u591a\u5ba2\u6236\u900f\u904e\u8a2d\u7acb\u57fa\u91d1\u6703\uff0c\u4e0d\u4f46\u7701\u4e0b\u5927\u91cf\u7a05\u91d1\uff0c\u4e5f\u6253\u9020\u4e86\u5bb6\u65cf\u7684\u516c\u76ca\u54c1\u724c\uff0c\u9577\u9060\u4f86\u770b\u6548\u76ca\u975e\u5e38\u53ef\u89c0\u3002\u300d \u8a2d\u7acb\u79c1\u4eba\u57fa\u91d1\u6703\u4e0d\u56f0\u96e3\uff0c\u901a\u5e38\u53ea\u9700\u5411\u5dde\u653f\u5e9c\u53ca\u570b\u7a05\u5c40\uff08IRS\uff09\u7533\u8acb 501(c)(3) \u975e\u71df\u5229\u8cc7\u683c\uff0c\u7d93\u6838\u51c6\u5f8c\u5373\u53ef\u958b\u5c55\u6148\u5584\u6d3b\u52d5\u3002\u6350\u8d08\u4eba\u53ef\u64d4\u4efb\u8463\u4e8b\uff0c\u53c3\u8207\u57fa\u91d1\u6703\u8cc7\u7522\u904b\u7528\u8207\u652f\u51fa\u6c7a\u7b56\uff0c\u96d6\u8cc7\u7522\u5df2\u6b78\u5c6c\u57fa\u91d1\u6703\u540d\u4e0b\uff0c\u4f46\u4ecd\u53ef\u4fdd\u6709\u5be6\u8cea\u63a7\u5236\u529b\u3002 \u6b64\u5916\uff0c\u57fa\u91d1\u6703\u51fa\u552e\u8cc7\u7522\u5f8c\u6240\u7372\u5f97\u7684\u8cc7\u91d1\uff0c\u5fc5\u9808\u7528\u65bc\u516c\u76ca\u3001\u6559\u80b2\u3001\u6587\u5316\u3001\u91ab\u7642\u7b49\u76f8\u95dc\u7528\u9014\uff0c\u6bcf\u5e74\u9808\u4f9d\u898f\u5b9a\u652f\u51fa\u81f3\u5c115%\u8cc7\u7522\u7e3d\u984d\u65bc\u7b26\u5408\u76ee\u7684\u7684\u6d3b\u52d5\u3002\u9019\u9805\u5236\u5ea6\u8a2d\u8a08\uff0c\u4e5f\u4fc3\u4f7f\u66f4\u591a\u8cc7\u672c\u6301\u7e8c\u6d41\u5165\u516c\u76ca\u9818\u57df\uff0c\u5f62\u6210\u6b63\u5411\u5faa\u74b0\u3002 \u8209\u4f8b\u4f86\u8aaa\uff0c\u4e00\u4f4d\u820a\u91d1\u5c71\u5730\u7522\u696d\u4e3b\u6301\u6709\u4e00\u7b46\u5546\u7528\u4e0d\u52d5\u7522\u4e8c\u5341\u9918\u5e74\uff0c\u539f\u59cb\u6210\u672c\u50c580\u842c\u7f8e\u5143\uff0c\u73fe\u5e02\u503c\u8d85\u904e700\u842c\u3002\u4ed6\u8207\u9867\u554f\u5718\u968a\u898f\u5283\u5f8c\uff0c\u6c7a\u5b9a\u5c07\u4e0d\u52d5\u7522\u6350\u8d08\u81f3\u65b0\u6210\u7acb\u7684\u300c\u5bb6\u65cf\u6559\u80b2\u57fa\u91d1\u6703\u300d\uff0c\u57fa\u91d1\u6703\u518d\u51fa\u552e\u8a72\u623f\u7522\uff0c\u5168\u984d\u6536\u5165\u6295\u5165\u6559\u80b2\u88dc\u52a9\u8207\u734e\u5b78\u91d1\u767c\u653e\u3002\u8a72\u540d\u696d\u4e3b\u4e0d\u50c5\u6210\u529f\u7bc0\u7a05\uff0c\u9084\u70ba\u5176\u5bb6\u65cf\u6a39\u7acb\u826f\u597d\u7684\u516c\u76ca\u5f62\u8c61\uff0c\u5099\u53d7\u793e\u5340\u8b9a\u8cde\u3002 \u4e0d\u904e\uff0c\u5c08\u5bb6\u4e5f\u63d0\u9192\uff0c\u8a72\u7b56\u7565\u4e26\u975e\u9069\u7528\u6240\u6709\u4eba\u3002\u6350\u8d08\u4eba\u9700\u8a55\u4f30\u81ea\u8eab\u73fe\u91d1\u6d41\u9700\u6c42\u3001\u5c0d\u8cc7\u7522\u63a7\u5236\u7684\u5f48\u6027\u3001\u8207\u57fa\u91d1\u6703\u71df\u904b\u7684\u9577\u671f\u8cac\u4efb\u3002\u4e14\u6350\u8d08\u4e00\u65e6\u5b8c\u6210\uff0c\u5373\u4e0d\u53ef\u9006\u8f49\uff0c\u4e0d\u5f97\u518d\u4ee5\u500b\u4eba\u8eab\u4efd\u632a\u7528\u8a72\u8cc7\u7522\u3002\u6b64\u5916\uff0c\u57fa\u91d1\u6703\u9808\u9075\u5b88\u6bcf\u5e74\u7533\u5831\u3001\u900f\u660e\u5316\u8cc7\u8a0a\u63ed\u9732\u53ca\u652f\u51fa\u6bd4\u4f8b\u7b49\u591a\u9805\u76e3\u7ba1\u898f\u5b9a\uff0c\u5efa\u8b70\u7531\u5c08\u696d\u7a05\u52d9\u5f8b\u5e2b\u3001\u6703\u8a08\u5e2b\u8207\u7406\u8ca1\u9867\u554f\u5171\u540c\u898f\u5283\u57f7\u884c\u3002 \u300c\u5f9e\u7bc0\u7a05\u89d2\u5ea6\u4f86\u770b\uff0c\u79c1\u4eba\u57fa\u91d1\u6703\u78ba\u5be6\u662f\u4e00\u500b\u9ad8\u6548\u53c8\u5408\u6cd5\u7684\u5de5\u5177\uff1b\u5f9e\u793e\u6703\u5f71\u97ff\u529b\u4f86\u770b\uff0c\u66f4\u662f\u4e00\u7a2e\u5c07\u8ca1\u5bcc\u8f49\u5316\u70ba\u9577\u9060\u5f71\u97ff\u529b\u7684\u65b9\u5f0f\uff0c\u300d\u8a72\u8ca1\u52d9\u9867\u554f\u88dc\u5145\uff0c\u300c\u9019\u662f\u4e00\u5834\u8ca1\u52d9\u8207\u50f9\u503c\u89c0\u4e26\u91cd\u7684\u9577\u671f\u6295\u8cc7\u3002\u300d \u96a8\u8457\u52a0\u5dde\u623f\u5730\u7522\u5e02\u5834\u50f9\u683c\u5c45\u9ad8\u4e0d\u4e0b\uff0c\u8d8a\u4f86\u8d8a\u591a\u64c1\u6709\u5927\u91cf\u8cc7\u7522\u7684\u500b\u4eba\u8207\u5bb6\u65cf\uff0c\u958b\u59cb\u91cd\u65b0\u601d\u8003\u8cc7\u7522\u8655\u5206\u8207\u7a05\u52d9\u7b56\u7565\u3002\u900f\u904e\u5584\u7528\u79c1\u4eba\u57fa\u91d1\u6703\uff0c\u4e0d\u50c5\u53ef\u4ee5\u7bc0\u7701\u53ef\u89c0\u7a05\u91d1\uff0c\u9084\u80fd\u5c07\u8ca1\u5bcc\u8f49\u5316\u70ba\u793e\u6703\u8ca2\u737b\u8207\u5bb6\u65cf\u50b3\u627f\uff0c\u70ba\u672a\u4f86\u958b\u5275\u66f4\u5177\u610f\u7fa9\u7684\u8ca1\u5bcc\u7248\u5716\u3002 \u5982\u9700\u66f4\u591a\u95dc\u65bc\u8a2d\u7acb\u79c1\u4eba\u57fa\u91d1\u6703\u8207\u8cc7\u7522\u7bc0\u7a05\u898f\u5283\u7684\u8cc7\u8a0a\uff0c\u5efa\u8b70\u8aee\u8a62\u5c08\u696d\u6703\u8a08\u6216\u6cd5\u5f8b\u9867\u554f\uff0c\u91cf\u8eab\u6253\u9020\u6700\u9069\u5408\u60a8\u7684\u8ca1\u52d9\u85cd\u5716\u3002 \u6587 \/ \u65fa\u8ca1","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\/2018\/08\/house-for-sale.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/08\/house-for-sale.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/08\/house-for-sale.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":159715,"url":"https:\/\/newsforchinese.com\/v3\/2018\/07\/31\/%e5%8f%af%e4%bb%a5%e7%a9%8d%e7%b4%af%e8%b2%a1%e5%af%8c%e7%b5%82%e7%94%9f%e6%94%b6%e5%85%a5%e7%9a%84%e5%b9%b4%e9%87%91%e6%8a%95%e8%b3%87\/","url_meta":{"origin":282902,"position":5},"title":"\u53ef\u4ee5\u7a4d\u7d2f\u8ca1\u5bcc\u7d42\u751f\u6536\u5165\u7684\u5e74\u91d1\u6295\u8cc7","author":"Raymond","date":"July 31, 2018","format":false,"excerpt":"\u2605\u5e74\u91d1Annuity\u662f\u505a\u4ec0\u9ebc\u7528\u7684\uff1f\u6307\u6578\u578b\u5e74\u91d1Fixed indexed Annuity\u662f\u4e00\u7a2e\u9000\u4f11\u8a08\u5283\u7522\u54c1\uff0c\u662f\u8207\u4fdd\u96aa\u516c\u53f8\u9593\u7684\u4e00\u500b\u5408\u7d04\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u5de5\u5177\uff0c\u5176\u6700\u5927\u512a\u52e2\u5247\u70ba\u53ef\u4ee5\u5ef6\u7a05(\u4e0d\u53ef\u62b5\u7a05)\uff0c\u662f\u76f8\u5c0d\u6bd4\u8f03\u4fdd\u5b88\u7a69\u91cd\u7684\u9000\u4f11\u8a08\u5283\u7522\u54c1(\u8996\u5e74\u91d1\u7a2e\u985e\u800c\u5b9a)\u3002 \u25cf\u5e74\u91d1\u7684\u6700\u5927\u597d\u8655\uff1a\u5ef6\u9072\u8ab2\u7a05tax-deferral\u4ea6\u5373\u8a72\u5e33\u6236\u5167\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\uff0c\u653e\u9032\u5e74\u91d1\u5e33\u6236\u7684\u9322\u597d\u5e7e\u5341\u5e74\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u6295\u8cc7\u4eba\u63d0\u53d6\u88e1\u9762\u7684\u6b3e\u9805\u6642\u624d\u9700\u8ab2\u7a05\u3002\u7c21\u55ae\u8aaa\uff0c\u6295\u8cc7\u4eba\u53ea\u8981\u4e0d\u9818\uff0c\u5c31\u4e0d\u7528\u7e73\u7a05\u3002\u5176\u597d\u8655\u6709\u4e09\uff1a \u672a\u4f86\u7684\u7a05\u7387\u6703\u6bd4\u73fe\u5728\u4f4e\uff1a\u6295\u8cc7\u4eba\u5728\u9000\u4f11\u5f8c\u5f85\u63d0\u53d6\u6b3e\u9805\u6642\uff0c\u5c46\u6642\u7684\u6240\u5f97\u901a\u5e38\u5df2\u660e\u986f\u4f4e\u65bc\u5e74\u8f15\u6642(\u5982\u73fe\u5728)\uff0c\u6b64\u6642\u9069\u7528\u7684\u7a05\u7387\u5247\u6703\u5927\u5e45\u964d\u4f4e\uff0c\u6709\u52a9\u65bc\u7bc0\u7a05\u3002 \u8003\u91cf\u901a\u8ca8\u81a8\u6f32\uff1a\u5c31\u7b97\u73fe\u5728\u8207\u672a\u4f86\u7684\u7a05\u7387\u4e0d\u6703\u8b8a\uff0c\u4f46\u82e5\u8003\u91cf\u901a\u81a8\u554f\u984c\uff0c\u73fe\u5728\u7684$1,000\u572820\u5e74\u5f8c\u7684\u50f9\u503c\u672a\u5fc5\u4ecd\u662f$1,000\uff0c\u5f88\u6709\u53ef\u80fd\u6703\u6253\u500b\u597d\u5e7e\u6298\u3002 \u5229\u6efe\u5229\uff1a\u7531\u65bc\u4e0d\u9700\u6bcf\u5e74\u4ea4\u7a05\uff0c\u8cc7\u6536\u76ca\u53ef\u514d\u7a05\u7a4d\u7d2f\u5229\u6efe\u5229\u3002 \u2605\u8ab0\u9069\u5408\u8cfc\u8cb7\u5e74\u91d1\uff1f \u6e96\u5099\u898f\u5283\u9000\u4f11\u7684\u4eba\u3001\u60f3\u53ca\u65e9\u898f\u5283\u9000\u4f11\u751f\u6d3b\u8005\u3002 \u9000\u4f11\u8a08\u5283\u958b\u59cb\u8f03\u665a\uff0c\u9760401K\u7b49\u9000\u4fee\u8a08\u5283\u4e0d\u5920\u7d2f\u7a4d\u8db3\u5920\u9000\u4f11\u57fa\u91d1\u8005\u3002 \u6709\u4e00\u5927\u7b46\u9322\u77ed\u671f\u7528\u4e0d\u8457\u8005\u3002 401K\u3001IRA\u7b49\u9000\u4f11\u5e33\u6236\u4ee5\u6295\u8cc7\u5230\u4e0a\u9650\u8005\u200b\u200b\u3002 \u2605\u70ba\u4f55\u8981\u8cfc\u8cb7\u5e74\u91d1\uff1f \u70ba\u9000\u4f11\u751f\u6d3b\u505a\u5b8c\u5584\u898f\u5283\uff0c\u5e0c\u671b\u672a\u4f86\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u80fd\u7121\u865e\u3002 \u4ec0\u9ebc\u662f\u6307\u6578\u5e74\u91d1 Fixed Index Annuity \u4e0d\u6536\u4efb\u4f55\u8cbb\u7528\uff0c\u6c92\u6709\u92b7\u552e\u8cbb(Load )\uff0c\u4e5f\u4e0d\u6536\u7ba1\u7406\u8cbb\u7b49\u884c\u653f\u8cbb\u7528\u3002 \u2605When\uff5c\u4f55\u6642\u61c9\u8a72\u8cfc\u8cb7\u5e74\u91d1\uff1f\u4f55\u6642\u53ef\u9818\u51fa\uff1f \u25cf\u4f55\u6642\u8cfc\u8cb7\u5e74\u91d1\uff1f\u56e0\u4eba\u800c\u7570\u4e26\u7121\u4e00\u5b9a\u7684\u6a19\u6e96\u7b54\u6848\uff0c\u7aef\u8996\u6295\u8cc7\u4eba\u6253\u7b97\u7684\u9000\u4f11\u5e74\u9f61\u3001\u672a\u4f86\u8ffd\u6c42\u7684\u9000\u4f11\u751f\u6d3b\u578b\u614b\u3001\u76ee\u524d\u5e74\u7d00\u3001\u76ee\u524d\u6536\u5165\u7b49\u9032\u884c\u8a55\u4f30\u8003\u91cf\u3002\u5927\u9ad4\u800c\u8a00\uff0c\u82e5\u6253\u7b9760\u6b72\u9000\u4f11\uff0c50\u6b72\u662f\u500b\u53ef\u4ee5\u958b\u59cb\u9032\u884c\u5e74\u91d1\u898f\u5283\u7684\u4e0d\u932f\u5e74\u7d00\u3002 \u2605How\uff5c\u5982\u4f55\u63d0\u9818\u5e74\u91d1\uff1f \u5e74\u91d1\u63d0\u9818\u65b9\u5f0f\u5f88\u591a\u5143\uff0c\u6295\u4fdd\u8005\u53ef\u9078\u64c7\u4e00\u6b21\u5168\u90e8\u9818\u51fa\uff0c\u4e5f\u53ef\u5206\u621010\u5e74\u300120\u5e74\u6216\u7d42\u8eab(Life time)\u9678\u7e8c\u63d0\u53d6\uff0c\u7aef\u8996\u4f60\u7684\u5e74\u91d1\u4fdd\u55ae\u898f\u5b9a\uff0c\u4ee5\u53ca\u81ea\u5df1\u7684\u9700\u6c42\u53ca\u8003\u91cf\u53bb\u505a\u6c7a\u5b9a\u3002\u5728\u8cfc\u8cb7\u5e74\u91d1\u7576\u6642\uff0c\u6295\u8cc7\u4eba\u7121\u9808\u7acb\u5373\u6c7a\u5b9a\u8981\u63a1\u7528\u4f55\u7a2e\u63d0\u9818\u65b9\u5f0f\uff0c\u5728\u958b\u59cb\u63d0\u9818\u6642\u518d\u9078\u64c7\u9069\u5408\u65b9\u5f0f\u5373\u53ef\u3002 \u4ec0\u9ebc\u662fLife Time Income\u63d0\u53d6\u6cd5\uff1f\u4fdd\u96aa\u516c\u53f8\u6703\u6839\u64da\u4eba\u7684\u9810\u671f\u58fd\u547d\u548c\u6295\u4fdd\u8005\u5e74\u9f61\uff0c\u53bb\u7b97\u51fa\u4e00\u5e74\u61c9\u4ed8\u6295\u4fdd\u8005\u591a\u5c11\u9322\u3002\u4fdd\u96aa\u516c\u53f8\u4fdd\u8b49\u5728\u6295\u4fdd\u8005\u6709\u751f\u4e4b\u5e74\u4e00\u5b9a\u6703\u6bcf\u5e74\u7d66\u4e88\u4e00\u7b46\u5b9a\u984d\u7684\u9322\u3002\u5982\u679c\u6295\u4fdd\u8005\u6d3b\u8d85\u904e\u7f8e\u570b\u4eba\u5e73\u5747\u58fd\u547d\uff0c\u5247\u6295\u4fdd\u8005\u5c31\u8cfa\u5230\u4e86\uff0c\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u4e00\u76f4\u4ed8\u9322\u3002\u53cd\u89c0\u82e5\u6295\u4fdd\u8005\u6d3b\u4e0d\u904e\u5e73\u5747\u58fd\u547d\u4e5f\u5c31\u8667\u4e86\uff0c\u672a\u4ed8\u5b8c\u7684\u9322\u5c07\u6b78\u4fdd\u96aa\u516c\u53f8\u6240\u6709\u3002\u7576\u7136\uff0c\u6295\u4fdd\u8005\u4e5f\u80fd\u9078\u64c7\u4e0d\u8ce0\u4e0d\u8cfa\u7684\u63d0\u9818\u65b9\u5f0f\uff0c\u672a\u9818\u5b8c\u7684\u9322\u6b78\u53d7\u76ca\u4eba\u3002 \u5982\u679c\u73fe\u5728\u6709\u500bFixed Indexed Annuity \u7522\u54c1\u670930% \u7d05\u5229\uff0c\u53ef\u4ee5\u4fdd\u8b49\u53ea\u6f32\u4e0d\u8dcc\uff0c\u6297\u901a\u8ca8\u81a8\u8139\uff0c\u9084\u53ef\u4ee5\u9818\u7d42\u8eab\u6536\u5165\uff0c\u4f60\u9858\u610f\u4f86\u4e86\u89e3\u55ce\uff1f \u8acb\u99ac\u4e0a\u8ddf\u6211\u5011\u806f\u7e6b\uff0c408-781-5621 \u6216\u662f1-888-855-4061 \u74a9\u4ee5\u4e2d\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8","rel":"","context":"In &quot;\u7406\u8ca1\u6295\u8cc7&quot;","block_context":{"text":"\u7406\u8ca1\u6295\u8cc7","link":"https:\/\/newsforchinese.com\/v3\/category\/money\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/07\/annuity.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/07\/annuity.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/07\/annuity.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\/282902","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=282902"}],"version-history":[{"count":3,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/282902\/revisions"}],"predecessor-version":[{"id":282905,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/posts\/282902\/revisions\/282905"}],"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=282902"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/categories?post=282902"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/tags?post=282902"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/newsforchinese.com\/v3\/wp-json\/wp\/v2\/series?post=282902"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}