{"id":294299,"date":"2026-04-25T06:04:00","date_gmt":"2026-04-25T13:04:00","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=294299"},"modified":"2026-04-20T17:03:34","modified_gmt":"2026-04-21T00:03:34","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u7f85\u65af\u8f49\u5316\u7b56\u7565\uff08Roth Conversion\uff09\u89e3\u6790"},"content":{"rendered":"\n<p>\u9000\u4f11\u898f\u5283\u7684\u9ec3\u91d1\u6a4b\u6a11\uff1a\u7f85\u65af\u8f49\u5316\u7b56\u7565\uff08Roth Conversion\uff09\u6df1\u5ea6\u89e3\u6790\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u4ec0\u9ebc\u662f\u7f85\u65af\u8f49\u5316\uff08<\/strong><strong>Roth Conversion<\/strong><strong>\uff09\uff1f<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u70ba\u4f55\u9078\u64c7\u5728\u300c\u9000\u4f11\u521d\u671f\u300d\u9032\u884c\uff1f<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\u7f85\u65af\u8f49\u5316\u7b56\u7565\u6210\u529f\u7684\u95dc\u9375\u5728\u65bc**\u300c\u7a05\u7387\u5dee\u300d<strong>\u3002\u6700\u7406\u60f3\u7684\u57f7\u884c\u7a97\u53e3\u901a\u5e38\u662f<\/strong>\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**<\/p>\n\n\n\n<p>\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<\/p>\n\n\n\n<p><strong>\u7f85\u65af\u8f49\u5316\u7b56\u7565\u7684\u4e09\u5927\u6230\u7565\u512a\u52e2<\/strong><strong><\/strong><\/p>\n\n\n\n<p><strong>1. <\/strong><strong>\u6d88\u9664\u5f37\u5236\u6700\u4f4e\u63d0\u9818\uff08<\/strong><strong>RMD<\/strong><strong>\uff09\u7684\u5a01\u8105\uff1a<\/strong> \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<\/p>\n\n\n\n<p><strong>2. <\/strong><strong>\u61c9\u5c0d\u672a\u4f86\u7a05\u7387\u4e0a\u6f32\u7684\u5c0d\u6c96\u5de5\u5177\uff1a<\/strong> \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<\/p>\n\n\n\n<p><strong>3. <\/strong><strong>\u7a05\u52d9\u6548\u7387\u6975\u9ad8\u7684\u907a\u7522\u898f\u5283\uff1a<\/strong> \u5c0d\u65bc\u7e7c\u627f\u4eba\u4f86\u8aaa\uff0c\u7e7c\u627f\u50b3\u7d71 IRA \u5fc5\u9808\u5728 10 \u5e74\u5167\u63d0\u9818\u5b8c\u7562\u4e26\u7e73\u7a05\uff1b\u800c\u7e7c\u627f Roth IRA \u5247\u662f\u5b8c\u5168\u514d\u7a05\u7684\uff0c\u9019\u80fd\u70ba\u4e0b\u4e00\u4ee3\u7701\u4e0b\u5de8\u984d\u7684\u7a05\u6536\u6210\u672c\u3002<\/p>\n\n\n\n<p><strong>\u57f7\u884c\u6642\u7684\u6ce8\u610f\u4e8b\u9805<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\u96d6\u7136 Roth Conversion \u8a98\u4eba\uff0c\u4f46\u4e5f\u9700\u6ce8\u610f\u5e7e\u9ede\uff1a\u9996\u5148\u662f**\u300c\u4e00\u6b21\u6027\u8f49\u5316\u300d**\u53ef\u80fd\u5c0e\u81f4\u7576\u5e74\u6536\u5165\u6fc0\u589e\uff0c\u9032\u800c\u63a8\u9ad8\u91ab\u7642\u4fdd\u96aa\uff08Medicare\uff09\u7684\u4fdd\u8cbb\uff08IRMAA \u689d\u6b3e\uff09\u3002\u56e0\u6b64\uff0c\u5c08\u696d\u7684\u7406\u8ca1\u898f\u5283\u901a\u5e38\u5efa\u8b70\u63a1\u7528\u300c\u5206\u6279\u8f49\u5316\u300d\uff0c\u5c07\u6bcf\u5e74\u7684\u8f49\u5316\u984d\u5ea6\u63a7\u5236\u5728\u4e0d\u8d85\u904e\u4e0b\u4e00\u500b\u66f4\u9ad8\u7a05\u7387\u7d1a\u8ddd\u7684\u908a\u7de3\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u8f49\u5316\u6240\u9700\u7684\u7a05\u6b3e\u5efa\u8b70\u4f7f\u7528<strong>\u5e33\u6236\u5916\u7684\u73fe\u91d1<\/strong>\u652f\u4ed8\uff0c\u800c\u975e\u76f4\u63a5\u5f9e IRA \u5e33\u6236\u4e2d\u6263\u9664\u3002\u9019\u6a23\u53ef\u4ee5\u78ba\u4fdd\u6700\u5927\u984d\u5ea6\u7684\u8cc7\u7522\u9032\u5165 Roth \u5e33\u6236\u9032\u884c\u514d\u7a05\u589e\u503c\u3002<\/p>\n\n\n\n<p>\u7f85\u65af\u8f49\u5316\u7b56\u7565\u4e26\u975e\u9069\u5408\u6240\u6709\u4eba\uff0c\u4f46\u5c0d\u65bc\u90a3\u4e9b\u9810\u671f\u9000\u4f11\u5f8c\u6536\u5165\u7a69\u5b9a\u3001\u6216\u5e0c\u671b\u70ba\u5f8c\u4ee3\u7559\u4e0b\u66f4\u591a\u514d\u7a05\u8cc7\u7522\u7684\u4eba\u4f86\u8aaa\uff0c\u9019\u662f\u4e00\u500b\u4e0d\u5bb9\u5ffd\u8996\u7684\u9ec3\u91d1\u7b56\u7565\u3002\u900f\u904e\u5728\u6536\u5165\u8f03\u4f4e\u7684\u7a97\u53e3\u671f\u4e3b\u52d5\u51fa\u64ca\uff0c\u5c07\u300c\u5ef6\u9072\u7d0d\u7a05\u300d\u8f49\u8b8a\u70ba\u300c\u6c38\u4e0d\u7d0d\u7a05\u300d\uff0c\u9019\u4e0d\u50c5\u662f\u8ca1\u5bcc\u7684\u8f49\u79fb\uff0c\u66f4\u662f\u5c0d\u672a\u4f86\u8ca1\u52d9\u81ea\u7531\u7684\u7d42\u6975\u4fdd\u96aa\u3002<\/p>\n\n\n\n<p>\u8a18\u8005\/\u570b\u57fa<\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"local,money,opinion,%e9%a7%90%e7%ab%99%e4%bd%9c%e5%ae%b6\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1777097040\"\r\n\t            data-title=\"\u7f85\u65af\u8f49\u5316\u7b56\u7565\uff08Roth Conversion\uff09\u89e3\u6790\" \r\n\t            data-home=\"https:\/\/newsforchinese.com\/v3\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u9000\u4f11\u898f\u5283\u7684\u9ec3\u91d1\u6a4b\u6a11\uff1a\u7f85\u65af\u8f49\u5316\u7b56\u7565\uff08Roth Conversion\uff09\u6df1\u5ea6\u89e3\u6790\u3002<\/p>\n","protected":false},"author":1,"featured_media":294296,"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_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","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},"categories":[7,18,31,139],"tags":[5752,1702,1717],"series":[],"class_list":["post-294299","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local","category-money","category-opinion","category-139","tag-roth-conversion","tag-1702","tag-1717"],"aioseo_notices":[],"featured_image_urls":{"medium":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/04\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13-300x188.png","thumbnail":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/04\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13-150x150.png","post-thumbnail-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/04\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13-600x330.png","round-personnel-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/04\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13-400x376.png","small-grid-size":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/04\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13-400x300.png","portrait":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/04\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13-500x376.png","post-widget-left-featured":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/04\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13-600x350.png","post-board-1-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/04\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13-450x376.png","post-board-2-2":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/04\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13-600x332.png"},"appp_media":null,"episode_featured_image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/04\/\u6df1\u5165\u89e3\u6790\u7f8e\u570b\u7834\u7522\u6cd5-Chapter-7-\u8207-Chapter-13.png","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=\"MIXeEo1y37\"><a href=\"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\/\">\u7f85\u65af\u8f49\u5316\u7b56\u7565\uff08Roth Conversion\uff09\u89e3\u6790<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"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\/embed\/#?secret=MIXeEo1y37\" width=\"500\" height=\"350\" title=\"&#8220;\u7f85\u65af\u8f49\u5316\u7b56\u7565\uff08Roth Conversion\uff09\u89e3\u6790&#8221; &#8212; News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" data-secret=\"MIXeEo1y37\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/* <![CDATA[ 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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 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\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\u2026","rel":"","context":"In &quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2015\/07\/401K-IRA_1.jpeg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":840,"url":"https:\/\/newsforchinese.com\/v3\/2010\/08\/06\/%e5%a4%a7%e9%83%bd%e6%9c%83%e7%82%ba%e8%a6%8f%e5%8a%83%e9%80%80%e4%bc%91%e7%94%9f%e6%b4%bb%e6%8f%90%e5%87%ba%e5%bb%ba%e8%ad%b0\/","url_meta":{"origin":294299,"position":1},"title":"\u5927\u90fd\u6703\u70ba\u898f\u5283\u9000\u4f11\u751f\u6d3b\u63d0\u51fa\u5efa\u8b70","author":"Raymond","date":"August 6, 2010","format":false,"excerpt":"04-06-2010 \u5927\u90fd\u6703\u70ba\u898f\u5283\u9000\u4f11\u751f\u6d3b\u53ca\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u4f9b\u5efa\u8b70 -\u9069\u7576\u7684\u898f\u5283\u6709\u52a9\u65bc\u5efa\u7acb\u60a8\u7684\u8ca1\u52d9\u81ea\u7531 - 2009\u5e74\u7684\u5831\u7a05\u5b63\u7bc0\u5373\u5c07\u5230\u671f\uff0c\u8a31\u591a\u6d88\u8cbb\u8005\u90fd\u6025\u8457\u5728\u56db\u6708\u5341\u4e94\u65e5\u622a\u6b62\u65e5\u524d\u5b8c\u6210\u5831\u7a05\u7684\u5de5\u4f5c\u3002\u5c31\u5728\u6d88\u8cbb\u8005\u914d\u5408\u5c08\u696d\u5831\u7a05\u4eba\u54e1\u5171\u540c\u5b8c\u6210\u5831\u7a05\u5de5\u4f5c\u7684\u540c\u6642\uff0c\u5728\u63d0\u4f9b\u4fdd\u96aa\u53ca\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u9818\u5148\u5168\u570b\u7684\u5927\u90fd\u6703\u4eba\u58fd\u9858\u85c9\u6b64\u6a5f\u6703\u9f13\u52f5\u6d88\u8cbb\u8005\u5c0d\u8a72\u516c\u53f8\u900f\u904e\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Individual Retirement Account\uff0cIRA\uff09\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u53ca\u7bc0\u7a05\u6548\u76ca\u8a73\u52a0\u8003\u616e\u3002 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IRA\uff09\u63d0\u4f9b\u7bc0\u7a05\u6548\u76ca\u8207\u6295\u8cc7\u798f\u5229\u7684\u5f48\u6027\u3002\u4fdd\u55ae\u6301\u6709\u4eba\u53ef\u4ee5\u6839\u64da\u672c\u8eab\u7684\u7406\u8ca1\u76ee\u6a19\u3001\u6642\u9593\u9650\u5236\u53ca\u5c0d\u98a8\u96aa\u7684\u627f\u53d7\u80fd\u529b\u4f86\u5728\u773e\u591a\u6295\u8cc7\u9078\u9805\u4e2d\u6c7a\u5b9a\u8cc7\u7522\u5206\u914d\u6bd4\u91cd\u3002\u6295\u8cc7\u7684\u6536\u76ca\u53ef\u4ee5\u7de9\u7a05\uff0c\u6301\u6709\u4eba\u76f4\u5230\u63d0\u9818\u8cc7\u91d1\u6642\u624d\u5fc5\u9808\u7d0d\u7a05\u3002\u8a31\u591a\u4eba\u5b58\u5165\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u9084\u53ef\u4ee5\u62b5\u7a05\u3002\u62b5\u7a05\u8207\u5426\u53d6\u6c7a\u65bc\u6301\u6709\u4eba\u6216\u5176\u914d\u5076\u662f\u5426\u70ba\u7531\u516c\u53f8\u8d0a\u52a9\u4e4b\u9000\u4f11\u8a08\u5283\u7684\u7a4d\u6975\u53c3\u8207\u8005\uff0c\u53ca\u5176\u8a72\u5e74\u5ea6\u7d93\u8abf\u6574\u4e4b\u6bdb\u6536\u5165\uff08Modified Adjusted Gross Income\uff09\u548c\u5831\u7a05\u8cc7\u683c\u800c\u5b9a\u3002\u5f9e\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u63d0\u9818\u61c9\u7d0d\u7a05\u4e4b\u91d1\u984d\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u5982\u679c\u5728\u5e74\u6eff59\u6b72\u534a\u4e4b\u524d\u63d0\u9818\uff0c\u9084\u53ef\u80fd\u9700\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Roth IRA\uff09\u5c31\u548c\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e00\u6a23\uff0c\u63d0\u4f9b\u60a8\u53ef\u4ee5\u7de9\u7a05\u7684\u8cc7\u91d1\u7d2f\u7a4d\u3002\u4f46\u662f\u8207\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e0d\u540c\u7684\u662f\uff0cRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6301\u6709\u4eba\u5728\u958b\u6236\u5f8c\u6eff\u4e94\u5e74\uff0c\u4e26\u7b26\u5408\u4e00\u7a2e\u5176\u4ed6\u689d\u4ef6\u898f\u5b9a\uff08\u4f8b\u5982\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\uff09\u6642\uff0c\u5c31\u53ef\u4ee5\u4eab\u6709\u5728\u7b26\u5408\u689d\u4ef6\u4e0b\u6536\u76ca\u514d\u7a05\u7684\u5f85\u9047\u3002\u4f46\u662f\u5b58\u5165Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u4e0d\u80fd\u62b5\u7a05\uff0c\u800c\u4e14\u7d93\u8abf\u6574\u7684\u6bdb\u6536\u5165\u5fc5\u9808\u5728\u4e00\u5b9a\u6a19\u6e96\u4ee5\u4e0b\u624d\u80fd\u7b26\u5408\u958b\u7acbRoth \u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u683c\u3002\u5728\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\u4e4b\u524d\u5f9eRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u6b3e\uff0c\u901a\u5e38\u5fc5\u9808\u4f9d\u7167\u4e00\u822c\u500b\u4eba\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u4e5f\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u30022010\u5e74\u67d0\u4e9b\u7279\u5225\u7d0d\u7a05\u689d\u6b3e\u53ef\u80fd\u4ee4Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5c0d\u67d0\u4e9b\u5b58\u6236\u66f4\u5177\u5438\u5f15\u529b\u3002 \u914d\u5076\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Spousal IRA\uff09\u5141\u8a31\u7121\u6536\u5165\u6216\u6536\u5165\u975e\u5e38\u6709\u9650\u7684\u914d\u5076\u64c1\u6709\u500b\u4eba\u9000\u4f11\u5e33\u6236\u3002\u914d\u5076\u9000\u4f11\u5e33\u6236\u5141\u8a31\u592b\u59bb\u5171\u540c\u958b\u8a2d\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236 \u2013 \u4e00\u4eba\u4e00\u500b \u2013 \u800c\u6bcf\u4e00\u500b\u90fd\u4ee5\u500b\u4eba\u55ae\u7368\u4e0a\u9650\u70ba\u6e96\u3002\u4f46\u662f\u592b\u59bb\u7684\u5171\u540c\u6536\u5165\u6700\u5c11\u5fc5\u9808\u8207\u5b58\u5165\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u7e3d\u91d1\u984d\u76f8\u540c\uff0c\u540c\u6642\u592b\u59bb\u5728\u5b58\u5165\u91d1\u984d\u7684\u7576\u5e74\u5fc5\u9808\u4ee5\u5171\u540c\u540d\u7fa9\u5831\u7a05\u3002 \u8f49\u79fb\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Rollover IRA\uff09\u5141\u8a31\u4fdd\u55ae\u6301\u6709\u4eba\u5728\u8f49\u63db\u5de5\u4f5c\u6216\u9000\u4f11\u6642\u5c07\u96c7\u4e3b\u63d0\u4f9b\u7684\u9000\u4f11\u8a08\u5283\u8f49\u79fb\u5230\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u3002\u9019\u6a23\u505a\u4ee4\u4fdd\u55ae\u6301\u6709\u4eba\u5f97\u4ee5\u7e7c\u7e8c\u4eab\u53d7\u9000\u4f11\u8cc7\u91d1\u7de9\u7a05\u7684\u597d\u8655\uff0c\u76f4\u5230\u5fc5\u9808\u63d0\u9818\u6642\u70ba\u6b62\u3002\u91cd\u8981\u7684\u662f\u5728\u8f49\u79fb\u8cc7\u91d1\u6642\uff0c\u52d9\u5fc5\u9075\u7167\u8f49\u79fb\u8cc7\u91d1\u7684\u6709\u95dc\u898f\u5b9a\u624d\u80fd\u4fdd\u969c\u7de9\u7a05\u548c\u5176\u4ed6\u597d\u8655\u3002 \u5ef6\u4f38\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Stretch IRA\uff09\u662f\u5728\u6301\u6709\u4eba\u4e0d\u518d\u9700\u8981\u8cc7\u91d1\u4f86\u6eff\u8db3\u9000\u4f11\u751f\u6d3b\u7684\u9700\u6c42\u6642\uff0c\u5c07\u66f4\u591a\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u8cc7\u91d1\u8f49\u8b93\u7d66\u5fc3\u611b\u7684\u4eba\u7684\u65b9\u6cd5\u3002\u5982\u679c\u5e33\u6236\u6301\u6709\u4eba\u7d42\u5176\u4e00\u751f\u53ea\u63d0\u9818\u898f\u5b9a\u7684\u6700\u4f4e\u6536\u76ca\uff0c\u8a72\u5e33\u6236\u4e4b\u6536\u76ca\u5c31\u6709\u53ef\u80fd\u5728\u6301\u6709\u4eba\u81e8\u7d42\u6642\u6210\u9577\u5230\u5176\u4e00\u751f\u4e2d\u7684\u6700\u9ad8\u9ede\uff0c\u56e0\u6b64\u6709\u6a5f\u6703\u7559\u7d66\u53d7\u76ca\u4eba\u4e00\u7b46\u7de9\u7a05\u7684\u907a\u7522\u3002 \u6559\u80b2\u9000\u4f11\u5e33\u6236\uff08Education IRA\uff09\u6216\u7a31 Coverdell\u6559\u80b2\u5132\u84c4\u5e33\u6236\uff08Coverdell Education Savings Account\uff09\u53ef\u4ee5\u4f7f\u7528\u7e73\u7a05\u5f8c\u7684\u9918\u6b3e\u70ba\u4e0d\u6eff\u5341\u516b\u6b72\u6216\u6709\u7279\u6b8a\u9700\u8981\u7684\u53d7\u76ca\u4eba\u958b\u8a2d\u5132\u84c4\u5e33\u6236\uff0c\u4f46\u662f\u5b58\u6b3e\u91d1\u984d\u5fc5\u9808\u7b26\u5408\u67d0\u4e9b\u6536\u5165\u9650\u5236\u3002\u9019\u7a2e\u5e33\u6236\u7684\u6536\u76ca\uff08\u4f8b\u5982\u5229\u606f\u3001\u80a1\u5229\u3001\u51fa\u552e\u80a1\u7968\u6240\u5f97\u7b49\uff09\u4e0d\u9700\u7e73\u7d0d\u73fe\u884c\u806f\u90a6\u6240\u5f97\u7a05\u3002\u4e00\u822c\u800c\u8a00\uff0c\u7576\u6536\u76ca\u91d1\u984d\u672a\u8d85\u904e\u53d7\u76ca\u4eba\u7576\u5e74\u7d93\u8abf\u6574\u4e26\u5408\u4e4e\u898f\u5b9a\u7684\u6559\u80b2\u8cbb\u7528\u6642\uff08\u4f8b\u5982\u5c0f\u5b78\u3001\u4e2d\u5b78\u3001\u53ca\u5927\u5b78\u7684\u8cbb\u7528\uff0c\u5982\u5b78\u8cbb\u3001\u96dc\u8cbb\u3001\u66f8\u7c4d\u8cbb\u6216\u81b3\u5bbf\u8cbb\uff09\uff0c\u4e5f\u4e0d\u5fc5\u7e73\u7d0d\u806f\u90a6\u6240\u5f97\u7a05\u3002\u7576\u6536\u76ca\u6c92\u6709\u7528\u4f86\u652f\u4ed8\u5408\u4e4e\u898f\u5b9a\u4e4b\u6559\u80b2\u8cbb\u7528\u6642\uff0c\u7372\u5229\u90e8\u4efd\u901a\u5e38\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u540c\u6642\u7372\u5229\u90e8\u4efd\u9084\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 \u4ee5\u500b\u4eba\u9000\u4f11\u5e33\u6236\u70ba\u4f9d\u64da\u7684\u9000\u4f11\u8a08\u5283 \uff08IRA-Based Retirement Plans\uff09\u3002\u9664\u4e86\u500b\u4eba\u81ea\u884c\u8a2d\u7acb\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5916\uff0c\u67d0\u4e9b\u96c7\u4e3b\u6703\u70ba\u54e1\u5de5\u8a2d\u7acb\u4ee5\u500b\u4eba\u9000\u4f11\u5e33\u6236\u70ba\u4f9d\u64da\u7684\u9000\u4f11\u8a08\u5283\uff08\u4f8b\u5982SIMPLE\u53caSEP\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff09\u3002\u96c7\u4e3b\u5b58\u5165\u9019\u4e9b\u8a08\u5283\u7684\u6b3e\u9805\u6703\u9032\u4e00\u6b65\u5145\u5be6\u60a8\u7684\u9000\u4f11\u5132\u84c4\u3002 \u5982\u679c\u60a8\u60f3\u9032\u4e00\u6b65\u4e86\u89e3\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5982\u4f55\u5354\u52a9\u60a8\u5efa\u7acb\u5b89\u7a69\u7684\u8ca1\u52d9\u672a\u4f86\uff0c\u6216\u662f\u8981\u5c0b\u627e\u60a8\u7576\u5730\u7684\u5927\u90fd\u6703\u4ee3\u8868\uff0c\u8acb\u4f86\u96fb1-888-233-3138\u6216\u767b\u5165www.metlife.com\u3002 ## MetLife\u7c21\u4ecb MetLife, Inc.\u662f\u5728\u5168\u7f8e\u5404\u5730\u3001\u62c9\u4e01\u7f8e\u6d32\u3001\u6b50\u6d32\u8207\u4e9e\u592a\u5730\u5340\u71df\u904b\uff0c\u5728\u63d0\u4f9b\u5e74\u91d1\u3001\u54e1\u5de5\u798f\u5229\u3001\u4fdd\u96aa\u8207\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u5c45\u9818\u5c0e\u5730\u4f4d\u7684\u516c\u53f8\u3002MetLife, Inc.\u900f\u904e\u5176\u5b50\u516c\u53f8\u8207\u95dc\u4fc2\u4f01\u696d\uff0c\u70ba\u5168\u4e16\u754c\u4e03\u5343\u9918\u842c\u540d\u9867\u5ba2\u63d0\u4f9b\u670d\u52d9\uff0cMetLife\u540c\u6642\u4e5f\u662f\u7f8e\u570b\u6700\u5927\u7684\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\uff08\u6839\u64da\u76ee\u524d\u6709\u6548\u7684\u58fd\u96aa\u4fdd\u55ae\u8a08\u7b97\uff09\u3002MetLife\u516c\u53f8\u70ba\u500b\u4eba\u63d0\u4f9b\u4eba\u58fd\u4fdd\u96aa\u3001\u5e74\u91d1\u3001\u6c7d\u8eca\u8207\u623f\u5c4b\u4fdd\u96aa\u3001\u9280\u884c\u96f6\u552e\u670d\u52d9\u53ca\u5176\u4ed6\u7406\u8ca1\u670d\u52d9\uff0c\u4e5f\u70ba\u4f01\u696d\u53ca\u5176\u4ed6\u6a5f\u69cb\u63d0\u4f9b\u5718\u9ad4\u4fdd\u96aa\u3001\u9000\u4f11\u8207\u5132\u84c4\u7522\u54c1\u53ca\u670d\u52d9\u3002\u6b32\u77e5\u9032\u4e00\u6b65\u8a73\u60c5\uff0c\u8acb\u767b\u5165www.metlife.com\u3002 \u5927\u90fd\u6703\u6839\u64da\u570b\u7a05\u5c40Circular 230\u63d0\u4f9b\u60a8\u4ee5\u4e0b\u6ce8\u610f\u4e8b\u9805\uff1a\u672c\u6587\u6240\u542b\u4e4b\u4efb\u4f55\u5167\u5bb9\u90fd\u4e0d\u61c9\uff08\u4e5f\u4e0d\u53ef\uff09\u88ab\u4efb\u4f55\u4eba\u4f5c\u70ba\u9003\u907f\u570b\u7a05\u5c40\u8655\u7f70\u4e4b\u7528\u3002\u672c\u6587\u4e4b\u76ee\u7684\u5728\u63a8\u5ee3\u53ca\u884c\u92b7\u4fdd\u96aa\u7522\u54c1\u3002\u60a8\u61c9\u8a72\u6839\u64da\u672c\u8eab\u4e4b\u7279\u6b8a\u72c0\u6cc1\u5fb5\u8a62\u7368\u7acb\u7a05\u52d9\u9867\u554f\u7684\u5efa\u8b70\u3002 \u5927\u90fd\u6703\u4eba\u58fd\u53ca\u5176\u4ee3\u7406\u53ca\u4ee3\u8868\u5747\u4e0d\u5f97\u63d0\u4f9b\u6cd5\u5f8b\u6216\u7a05\u52d9\u5efa\u8b70\u3002\u672c\u6587\u6240\u8f09\u6216\u4efb\u4f55\u8207\u672c\u6587\u6709\u95dc\u4e4b\u7a05\u52d9\u8a0e\u8ad6\u5747\u53ea\u662f\u70ba\u4e86\u63d0\u4f9b\u4e00\u822c\u8a0a\u606f\uff0c\u4e0d\u61c9\u88ab\u8996\u70ba\u5b8c\u6574\u4e5f\u4e0d\u6db5\u84cb\u6240\u6709\u72c0\u6cc1\u3002\u7a05\u6cd5\u4ee5\u89e3\u8b80\u8207\u7acb\u6cd5\u8b8a\u66f4\u70ba\u6e96\u3002\u7d0d\u7a05\u91d1\u984d\u53ca\u4efb\u4f55\u7522\u54c1\u5c0d\u4efb\u4f55\u7279\u5b9a\u7d0d\u7a05\u4eba\u4e4b\u5408\u9069\u8207\u5426\u4f9d\u4e8b\u5be6\u8207\u72c0\u6cc1\u800c\u5b9a\u3002\u60a8\u61c9\u8a72\u6839\u64da\u672c\u8eab\u4e4b\u7279\u6b8a\u4e8b\u5be6\u8207\u72c0\u6cc1\u5fb5\u8a62\u4e26\u4fe1\u8cf4\u60a8\u81ea\u5df1\u7684\u7368\u7acb\u6cd5\u5f8b\u53ca\u7a05\u52d9\u9867\u554f\u3002 Metropolitan Life Insurance Company (MLIC),\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sf.chinesebay.com\/laozhong\/wp-content\/uploads\/2010\/08\/image10-300x57.png?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":211479,"url":"https:\/\/newsforchinese.com\/v3\/2021\/12\/08\/%e5%a4%9a%e6%95%b8%e9%80%80%e4%bc%91%e4%ba%ba%e5%93%a1%e9%a0%88%e5%9c%a8-12-%e6%9c%88-31%e6%97%a5%e5%89%8d%e9%a0%98%e9%a1%8d\/","url_meta":{"origin":294299,"position":2},"title":"\u591a\u6578\u9000\u4f11\u4eba\u54e1\u9808\u5728 12 \u6708 31\u65e5\u524d\u9818\u984d","author":"Raymond","date":"December 8, 2021","format":false,"excerpt":"\u5927\u591a\u6578\u9000\u4f11\u4eba\u54e1\u5fc5\u9808\u5728 12 \u6708 31 \u65e5\u4e4b\u524d\u9818\u53d6\u898f\u5b9a\u6700\u4f4e\u63d0\u9818\u984d\u3002\u7f8e\u570b\u570b\u7a05\u5c40\u4eca\u5929\u63d0\u9192\u9000\u4f11\u8a08\u5283\u53c3\u8207\u8005\u548c\u500b\u4eba\u9000\u4f11\u91d1\u5e33\u6236\u6240\u6709\u8005\uff0c\u901a\u5e38\u5fc5\u9808\u5728 12 \u6708 31 \u65e5\u4e4b\u524d\u9818\u53d6\u898f\u5b9a\u6700\u4f4e\u63d0\u9818\u984d\uff08\u82f1\u6587\uff09\u3002 \u898f\u5b9a\u6700\u4f4e\u63d0\u9818\u984d (RMD) \u901a\u5e38\u662f\u6307\u9000\u4f11\u8a08\u5283\u8cec\u6236\u6240\u6709\u8005\uff0c\u5f9e\u4ed6\u5011\u5e74\u6eff 72 \u6b72\u7684\u90a3\u4e00\u5e74\u958b\u59cb\uff0c\u6bcf\u5e74\u5fc5\u9808\u63d0\u53d6\u7684\u6700\u4f4e\u91d1\u984d\uff0c\u5982\u679c\u9000\u4f11\u6642\u9593\u665a\u65bc72\u6b72\uff0c\u5247\u662f\u4ed6\u5011\u9000\u4f11\u7684\u90a3\u4e00\u5e74\u958b\u59cb\u5fc5\u9808\u63d0\u53d6\u3002\u4f46\u662f\uff0c\u5982\u679c\u9000\u4f11\u8a08\u5283\u5e33\u6236\u662f IRA \u3001\u6216\u5e33\u6236\u6301\u6709\u8005\u5728\u8a72\u9000\u4f11\u8a08\u5283\u767c\u8d77\u4f01\u696d\u4f54\u6709 5% \u4ee5\u4e0a\u80a1\u4efd\uff0c\u5247 RMD \u5fc5\u9808\u5728\u5e33\u6236\u6301\u6709\u4eba\u5e74\u6eff72 \u6b72\u5f8c\u958b\u59cb\uff0c\u7121\u8ad6\u4ed6\u5011\u7576\u6642\u662f\u5426\u9084\u5728\u5de5\u4f5c\u3002\u672a\u53ca\u6642\u5f9e\u8cec\u6236\u4e2d\u63d0\u53d6\u7684 RMD \u91d1\u984d\uff0c\u53ef\u80fd\u6703\u906d\u53d7\u7f70\u6b3e\u3002 \u5728 2019 \u5e74\u5e74\u6eff70 \u00bd \u6b72\uff0870 \u6b72\u751f\u65e5\u70ba 2019 \u5e74 6 \u6708 30 \u65e5\u6216\u66f4\u65e9\uff09\u7684\u500b\u4eba\u6c92\u6709 2020 \u5e74\u5230\u671f\u7684 RMD\uff0c\u4f46\u5fc5\u9808\u5728 2021 \u5e74 12 \u6708 31 \u65e5\u4e4b\u524d\u9818\u53d6\u3002 \u5230 2021 \u5e74\u5e74\u6eff 72 \u6b72\uff08\u4e14\u5176 70\u2026","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/12\/retirement.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":209209,"url":"https:\/\/newsforchinese.com\/v3\/2021\/10\/26\/%e5%9c%a8%e7%be%8e%e5%9c%8b%ef%bc%8c%e9%80%80%e4%bc%91%e4%b9%8b%e5%be%8c%e5%a6%82%e4%bd%95%e9%a4%8a%e8%80%81%ef%bc%9f\/","url_meta":{"origin":294299,"position":3},"title":"\u5728\u7f8e\u570b\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\uff1f","author":"Raymond","date":"October 26, 2021","format":false,"excerpt":"\u6309\u7167\u4fdd\u96aa\u516c\u53f8\u767c\u5e03\u7684\u6700\u65b0\u6578\u64da\uff0c\u5982\u4eca\u7f8e\u570b\u4eba\u4e2d\uff0c65\u6b72\u7684\u7537\u6027\u6709\u4e00\u534a\u7684\u6a5f\u7387\u80fd\u6d3b\u523085\u6b72\uff0c1\/4\u7684\u6a5f\u7387\u6d3b\u523092\u6b72\uff1b65\u6b72\u7684\u5973\u6027\u6709\u4e00\u534a\u7684\u6a5f\u7387\u80fd\u6d3b\u523088\u6b72\uff0c1\/4\u7684\u6a5f\u7387\u6d3b\u523094\u6b72\u3002 \u96a8\u8457\u4eba\u5011\u58fd\u547d\u7684\u589e\u52a0\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\u5c31\u6210\u4e86\u4eba\u5011\u5fc5\u9808\u8981\u9762\u81e8\u7684\u554f\u984c\u3002 \u5927\u5bb6\u5148\u4f86\u4e86\u89e3\u4e00\u4e0b\u7f8e\u570b\u9000\u4f11\u8a08\u5283\u7684\u4e09\u5927\u4e3b\u8981\u9ad4\u7cfb\uff1a\u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1(Social Security Tax)\uff0c\u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1(Pension Plan)\u53ca\u500b\u4eba\u9000\u4f11\u91d1\u8a08\u5283 (401k, IRA\u7b49)\u3002 01. Social Security Tax \u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1 \u9019\u9805\u9ad4\u4fc2\u662f\u7531\u806f\u90a6\u653f\u5e9c\u4e3b\u5c0e\u4e26\u5f37\u5236\u5be6\u65bd\u7684\u9000\u4f11\u91d1\u5236\u5ea6\uff0c\u6240\u6709\u516c\u53f8\u50f1\u54e1\u90fd\u9700\u5f37\u5236\u53c3\u8207\u3002\u8a08\u7b97\u65b9\u5f0f\u662f\u5c07\u7a05\u524d\u6536\u5165\u7684\u4e00\u5b9a\u6bd4\u4f8b(\u76ee\u524d\u662f6.2%)\u4ea4\u7d66\u7f8e\u570b\u653f\u5e9c\uff0c\u5728\u6bcf\u500b\u6708\u7684\u85aa\u6c34\u55ae\u4e2d\u53ef\u4ee5\u770b\u5230\u5b83\u7684\u81ea\u52d5\u6263\u9664\u3002\u5176\u4e2d\u9700\u8981\u4ea4\u7a05\u7684\u6536\u5165\u6703\u6709\u4e00\u500b\u4e0a\u9650\uff0c\u8d85\u51fa\u90e8\u5206\u5247\u7121\u9700\u7e73\u7a05\uff0c\u9019\u4e00\u4e0a\u7dda\u6703\u6839\u64da\u901a\u8ca8\u81a8\u8139\u7387\u505a\u51fa\u76f8\u61c9\u8abf\u6574\uff0c \u59822018\u5e74\u70ba$128,400\uff0c2019\u5e74\u70ba$132,900\u3002\u53c3\u8207\u7e73\u8cbb\u7684\u6c11\u773e\u5728\u7d2f\u8a08\u4ea4\u6eff40\u500b\u5b63\u5ea6(\u537310\u5e74)\u5f8c\uff0c\u5728\u9000\u4f11\u5f8c\u5c31\u53ef\u9818\u53d6\u76f8\u61c9\u7684\u9000\u4f11\u798f\u5229\u4e86\u3002 02. Pension Plan \u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1 \u9000\u4f11\u91d1\u4e0d\u9700\u8981\u516c\u53f8\u548c\u653f\u5e9c\u7684\u50f1\u54e1\u53c3\u8207\u4ea4\u9322\uff0c\u6240\u6709\u8cbb\u7528\u548c\u798f\u5229\u7531\u516c\u53f8\u548c\u653f\u5e9c\u55ae\u65b9\u9762\u8ca0\u8cac\u627f\u64d4\u548c\u7d93\u71df\u3002 03. 401k, IRA \u500b\u4eba\u9000\u4f11\u8a08\u5283 \u9700\u8981\u54e1\u5de5\u81ea\u5df1\u5b58\u9322\u9032401k\u8cec\u6236\u88e1\u9762\uff0c\u9019\u500b\u90e8\u5206\u662f\u770b\u500b\u4eba\u60f3\u8981\u5b58\u5165\u85aa\u6c34\u7684\u767e\u5206\u6bd4\u6216\u6578\u984d\uff0c\u518d\u5728\u6bcf\u6708\u7684\u85aa\u6c34\u55ae\u4e2d\u6263\u9664\u7684\u3002\u76f8\u7576\u591a\u7684\u516c\u53f8\u4ee5401k match\u70ba\u798f\u5229\u5e6b\u52a9\u54e1\u5de5\u5b58\u9322\uff0c\u610f\u601d\u662f\u54e1\u5de5\u5b58\u5165\u4e00\u7b46\u9322\u9032\u81ea\u5df1\u7684401k\u8cec\u6236\uff0c\u516c\u53f8\u5b58\u5165\u76f8\u540c\u6578\u984d\u6216\u540c\u6a23\u6bd4\u4f8b\u7684\u9322\u3002\u4f8b\u5982\u54e1\u5de5\u6bcf\u6708\u85aa\u6c34$3000, \u8a08\u5283\u5b583%\u5230401K\uff08\u4e5f\u5c31\u662f$90\uff09\uff0c\u516c\u53f8\u4e5f\u5c31\u6703\u5e6b\u4f60\u5b583%\u53bbmatch\u4f60\u7684\u984d\u5ea6\u3002 \u53e6\u4e00\u500bIRA\uff0c\u53c8\u53ebIndividual Retirement Account\uff0c\u662f\u53e6\u4e00\u7a2e\u7f8e\u570b\u4eba\u7ba1\u7406\u9000\u4f11\u91d1\u7684\u5e38\u7528\u5e33\u6236\u985e\u5225\u3002\u9019\u662f\u7531\u500b\u4eba\u8ca0\u8cac\uff0c\u81ea\u9858\u53c3\u52a0\u7684\u500b\u4eba\u5132\u84c4\u990a\u8001\u4fdd\u96aa\u5236\u5ea6\u3002 \u27a4401K\u8207IRA\u53c8\u5404\u81ea\u5206\u70ba\u50b3\u7d71\u578b\u548c\u7f85\u65af\u578b \u25cf\u50b3\u7d71\u578bTraditional\uff1a\u5148\u5b58\u9322\uff0c\u5b58\u5165\u7684\u9322\u53ef\u4ee5\u62b5\u7576\u5e74\u500b\u4eba\u6240\u5f97\u7a05 (Pre-Tax)\uff0c\u672a\u4f86\u63d0\u53d6\u6642\u518d\u7e73\u4ea4\u500b\u4eba\u6240\u5f97\u7a05\uff0c\u53ef\u4ee5\u4eab\u6709\u5ef6\u9072\u7d0d\u7a05Tax Deferral\u7684\u597d\u8655\u3002 \u25cf\u7f85\u65af\u578bRoth\uff1a\u9700\u5148\u7e73\u4ea4\u500b\u4eba\u6240\u5f97\u7a05\u624d\u80fd\u5b58\u5165\uff0c\u5b58\u5165\u7684\u9322\u4e0d\u80fd\u62b5\u7576\u5e74\u500b\u4eba\u6240\u5f97\u7a05 (After-TAX)\uff0c\u53d6\u51fa\u6642\u7121\u9808\u518d\u4ea4\u7a05\u3002 401K\u3001Roth 401K \u3001IRA\u3001Roth IRA \u7684\u6bd4\u8f03\u3002 410K\u548cIRA\u90fd\u6709\u5404\u81ea\u7684\u7279\u9ede\u548c\u4e00\u5b9a\u7a05\u4e0a\u7684\u597d\u8655\uff0c\u4f46\u662f410K\u548cIRA\u90fd\u662f\u901a\u904e\u7279\u5b9a\u7684\u91d1\u878d\u6a5f\u69cb\u4f86\u7ba1\u7406 (401K \u7531\u96c7\u4e3b\u6311\u9078\uff0cIRA\u7531\u54e1\u5de5\u81ea\u5df1\u6311\u9078)\u3002\u6bcf\u500b\u6708\u5c07\u9322\u5b58\u5165\u9000\u4f11\u8cec\u6236\u5f8c\uff0c\u50f1\u54e1\u53ef\u81ea\u4e3b\u9078\u64c7\u6295\u8cc7\u5e02\u5834\u8207\u7522\u54c1\u7d44\u5408\uff0c\u4e26\u81ea\u884c\u627f\u64d4\u6295\u8cc7\u98a8\u96aa\u76c8\u8667\u3002\u7d93\u6fdf\u597d\u7684\u6642\u5019\u9000\u4f11\u8cec\u6236\u88e1\u7684\u56de\u5831\u8c50\u539a\uff0c\u4f46\u662f\u7d93\u6fdf\u4e0d\u597d\u5e02\u5834\u4e0b\u8dcc\u6642\u5247\u5f88\u6709\u53ef\u80fd\u640d\u5931\u6158\u91cd\u3002\u4e26\u4e14410k\u548cIRA\u8cec\u6236\u88e1\u7684\u9322\u4e26\u4e0d\u80fd\u4fdd\u8b49\u81ea\u5df1\u9000\u4f11\u4e4b\u5f8c\u53ef\u4ee5\u9818\u53d6\u4e00\u8f29\u5b50\u3002 \u5e74\u91d1 \u5982\u679c\u80fd\u6709\u4e00\u7a2e\u9000\u4f11\u8a08\u5283\u7522\u54c1\u80fd\u4fdd\u8b49\u5728\u9000\u4f11\u4e4b\u5f8c\uff0c\u7121\u8ad6\u5e02\u5834\u60c5\u6cc1\u5982\u4f55\uff0c\u6bcf\u5e74\u90fd\u53ef\u4ee5\u56fa\u5b9a\u9818\u53d6\u81f3\u5c11\u4e00\u5b9a\u91d1\u984d\u7684\u990a\u8001\u91d1\uff0c\u671f\u9650\u662f\u4e00\u8f29\u5b50\u90a3\u8a72\u591a\u597d\uff01\u5982\u679c\u5728\u81ea\u5df1\u53bb\u4e16\u4e4b\u524d\u9084\u6c92\u6709\u9818\u5b8c\u7684\u8a71\uff0c\u9084\u53ef\u4ee5\u628a\u5269\u4e0b\u7684\u9322\u50b3\u627f\u7d66\u81ea\u5df1\u7684\u5bb6\u4eba\uff0c\u8c48\u4e0d\u662f\u66f4\u597d\uff1f\u9019\u6642\uff0c\u4fdd\u96aa\u516c\u53f8\u7684\u5e74\u91d1\u5c31\u6d3e\u4e0a\u4e86\u7528\u5834\u3002 \u5e74\u91d1Annuity\u662f\u4e00\u7a2e\u4fdd\u96aa\u7522\u54c1\uff0c\u662f\u500b\u4eba\u6216\u516c\u53f8\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u4e00\u500b\u5408\u540c\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u4e00\u7a2e\u9000\u4f11\u5132\u84c4\u5de5\u5177\u3002 \u512a\u52e2\u4e00 \u9019\u4e5f\u662f\u5176\u6700\u5927\u512a\u52e2\uff0c\u70ba\u53ef\u4ee5\u5ef6\u7a05tax-deferral (\u4e0d\u53ef\u62b5\u7a05)\uff0c\u5373\u8cec\u6236\u88e1\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\u3002\u653e\u9032\u5e33\u6236\u88e1\u7684\u9322\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u9818\u53d6\u990a\u8001\u91d1\u6642\u624d\u9700\u8981\u4ea4\u7a05\u3002\u2026","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2016\/04\/retirement-money.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":134688,"url":"https:\/\/newsforchinese.com\/v3\/2017\/03\/09\/401k-403b-457-ira-roth-ira-sep-ira-%e6%8a%95%e8%b5%84%e6%8f%90%e5%8f%96%e6%94%bb%e7%95%a5\/","url_meta":{"origin":294299,"position":4},"title":"401k, 403b, 457, IRA, Roth IRA, SEP IRA \u6295\u8d44\u653b\u7565","author":"Raymond","date":"March 9, 2017","format":false,"excerpt":"\u300c\u5b30\u5152\u6f6e\u300d\uff0c\u5927\u5bb6\u975e\u5e38\u719f\u6089\u7684\u540d\u8a5e\uff0c\u662f\u6307\u5728\u4e16\u754c\u4e8c\u6230\u5f8c\u51fa\u751f\u7684\u9019\u4e00\u4eba\u7fa4\uff0c\u7531\u65bc\u6230\u5f8c\u793e\u6703\u751f\u6d3b\u56de\u5fa9\u5e73\u975c\u5b89\u7a69\uff0c\u6240\u4ee5\u4e8c\u6230\u5f8c1946-1964\u5e74\u9593\uff0c1946\u7b2c\u4e00\u5e74\u7684\u5b30\u5152\u6f6e\u6709\u4e8c\u767e\u56db\u5341\u842c\u5b30\u5152\u51fa\u751f\uff0c\u800c1964\u6700\u5f8c\u4e00\u5e74\u5347\u81f3\u4e03\u5343\u4e8c\u767e\u4e94\u5341\u842c\u5b30\u5152\uff0c\u53ef\u8b02\u975e\u5e38\u58ef\u89c0\u3002\u7f8e\u570b\u51fa\u751f\u7387\u52301999\u5e74\u9054\u81f3\u6700\u9ad8\u5cef\u9054\u5343\u516b\u767e\u516b\u5341\u842c\uff0c\u9019\u500b\u6578\u5b57\u5df2\u5305\u62ec\u79fb\u6c11\uff08\u83ef\u4eba\uff09\u4eba\u58eb\u3002\u5c48\u6307\u4e00\u7b97\uff0c\u7b2c\u4e00\u6279\u5b30\u5152\u6f6e\u4eba\u58eb\u5df2\u8e0f\u5165\u4e03\u5341\u6b72\uff0c\u64da\u7d71\u8a08\u6bcf\u4e00\u5929\u6709\u4e00\u767e\u842c\u7684\u5b30\u5152\u6f6e\u4eba\u58eb\u9032\u884c\u9000\u4f11\u7684\u884c\u5217\u3002 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