{"id":295902,"date":"2026-05-24T06:00:00","date_gmt":"2026-05-24T13:00:00","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=295902"},"modified":"2026-05-19T12:17:20","modified_gmt":"2026-05-19T19:17:20","slug":"%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","status":"publish","type":"post","link":"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\/","title":{"rendered":"\u907f\u958b\u9000\u4f11\u91d1\u300c\u7a05\u52d9\u9677\u9631\u300d"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">\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 &#8211; <strong>\u6700\u4f4e\u53d6\u6b3e\u8981\u6c42\uff08<\/strong><strong>Required Minimum Distributions, <\/strong><strong>\u7c21\u7a31<\/strong><strong> RMD<\/strong><strong>\uff09<\/strong>\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e00\u3001<\/strong><strong> <\/strong><strong>\u8a8d\u8b58<\/strong><strong> RMD<\/strong><strong>\uff1a<\/strong><strong>73 <\/strong><strong>\u6b72\u5f8c\u7684\u5f37\u5236\u8003\u9a57<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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 <strong>73 <\/strong><strong>\u6b72<\/strong>\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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e8c\u3001<\/strong><strong> <\/strong><strong>\u52a0\u5dde\u7a05\u52d9\u7684\u300c\u96d9\u91cd\u6253\u64ca\u300d<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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 <strong>13.3%<\/strong>\uff08\u5305\u542b\u5fc3\u7406\u5065\u5eb7\u670d\u52d9\u7a05\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\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 <strong>IRMAA<\/strong><strong>\uff08\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\u4fdd\u8cbb\u8abf\u6574\uff09<\/strong>\uff0c\u5c0e\u81f4\u60a8\u7684 Medicare Part B \u548c Part D \u4fdd\u8cbb\u5927\u5e45\u589e\u52a0\u3002\u9019\u4e0d\u50c5\u662f\u4ea4\u7a05\u7684\u554f\u984c\uff0c\u66f4\u662f\u5168\u65b9\u4f4d\u9000\u4f11\u958b\u652f\u7684\u9023\u9396\u53cd\u61c9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e09\u3001<\/strong><strong> <\/strong><strong>\u63d0\u524d\u4f48\u5c40\uff1a\u907f\u958b\u9ad8\u7a05\u7387\u7d1a\u8ddd\u7684\u56db\u5927\u7b56\u7565<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u70ba\u4e86\u907f\u514d\u5728 73 \u6b72\u5f8c\u88ab\u7a05\u52d9\u300c\u7a81\u8972\u300d\uff0c\u7406\u8ca1\u5c08\u5bb6\u5efa\u8b70\u5728 60 \u6b72\u81f3 72 \u6b72\u9019\u6bb5\u300c\u7a05\u52d9\u7a7a\u7a97\u671f\u300d\u63a1\u53d6\u4ee5\u4e0b\u884c\u52d5\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u7f85\u65af\u8f49\u63db\uff08<\/strong><strong>Roth Conversion<\/strong><strong>\uff09\uff1a<\/strong> \u9019\u662f\u61c9\u5c0d RMD \u6700\u6709\u6548\u7684\u7b56\u7565\u4e4b\u4e00\u3002\u5728\u6536\u5165\u76f8\u5c0d\u8f03\u4f4e\u7684\u5e74\u4efd\uff0c\u5206\u6279\u5c07\u50b3\u7d71 IRA \u7684\u8cc7\u91d1\u8f49\u5165 Roth IRA\u3002\u8f49\u63db\u6642\u96d6\u7136\u9700\u8981\u7e73\u7d0d\u6240\u5f97\u7a05\uff0c\u4f46 Roth IRA \u7121\u9808 RMD\uff0c\u4e14\u672a\u4f86\u7684\u53d6\u6b3e\u8207\u589e\u9577\u5b8c\u5168\u514d\u7a05\u3002\u900f\u904e\u63d0\u524d\u300c\u6d88\u6e1b\u300d\u5ef6\u7a05\u5e33\u6236\u7684\u898f\u6a21\uff0c\u53ef\u4ee5\u6709\u6548\u964d\u4f4e 73 \u6b72\u5f8c\u7684\u5f37\u5236\u63d0\u64a5\u984d\u5ea6\u3002<\/li>\n\n\n\n<li><strong>\u5408\u683c\u6148\u5584\u5206\u6d3e\uff08<\/strong><strong>Qualified Charitable Distributions, QCD<\/strong><strong>\uff09\uff1a<\/strong> \u5982\u679c\u60a8\u672c\u8eab\u6709\u6350\u6b3e\u7fd2\u6163\uff0c\u4e14\u5e74\u6eff 70.5 \u6b72\uff0c\u53ef\u4ee5\u76f4\u63a5\u5f9e IRA \u6350\u6b3e\u7d66\u7b26\u5408\u8cc7\u683c\u7684\u6148\u5584\u6a5f\u69cb\uff08\u4e0a\u9650\u6bcf\u5e74 10.5 \u842c\u7f8e\u5143\uff09\u3002\u9019\u7b46\u6350\u6b3e\u53ef\u4ee5\u76f4\u63a5\u62b5\u92b7 RMD \u984d\u5ea6\uff0c\u4e14\u4e0d\u8a08\u5165\u60a8\u7684\u8abf\u6574\u5f8c\u7e3d\u6536\u5165\uff08AGI\uff09\uff0c\u662f\u964d\u4f4e\u7a05\u52d9\u7d1a\u8ddd\u7684\u5229\u5668\u3002<\/li>\n\n\n\n<li><strong>\u5229\u7528\u5408\u683c\u5ef6\u671f\u5e74\u91d1\uff08<\/strong><strong>QLAC<\/strong><strong>\uff09\uff1a<\/strong> \u6cd5\u5f8b\u5141\u8a31\u5c07\u9000\u4f11\u5e33\u6236\u4e2d\u6700\u591a 20 \u842c\u7f8e\u5143\uff08\u4e0a\u9650\u96a8\u901a\u81a8\u8abf\u6574\uff09\u8f49\u5165 QLAC\u3002\u9019\u90e8\u5206\u8cc7\u91d1\u7684 RMD \u53ef\u4ee5\u5ef6\u5f8c\u9818\u53d6\uff08\u6700\u9577\u81f3 85 \u6b72\uff09\uff0c\u5f9e\u800c\u6e1b\u5c11 73 \u6b72\u8d77\u521d\u671f\u7684\u5f37\u5236\u63d0\u64a5\u58d3\u529b\u3002<\/li>\n\n\n\n<li><strong>\u8de8\u5dde\u642c\u9077\u8a55\u4f30\uff1a<\/strong> \u5c0d\u65bc\u8cc7\u7522\u898f\u6a21\u6975\u5927\u7684\u5bb6\u5ead\uff0c\u82e5\u9810\u898b RMD \u5c07\u9577\u671f\u89f8\u767c\u52a0\u5dde\u6700\u9ad8\u7a05\u7387\uff0c\u5728\u9000\u4f11\u521d\u671f\u8003\u616e\u642c\u9077\u81f3\u5167\u83ef\u9054\u5dde\u3001\u83ef\u76db\u9813\u5dde\u7b49\u300c\u514d\u6240\u5f97\u7a05\u5dde\u300d\u4e5f\u662f\u4e00\u7a2e\u5e38\u898b\u7684\u7a05\u52d9\u898f\u5283\u9078\u9805\u3002<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u9000\u4f11\u91d1\u7684\u7d2f\u7a4d\u53ea\u662f\u4e0a\u534a\u5834\uff0c\u5982\u4f55\u300c\u6709\u7b56\u7565\u5730\u63d0\u53d6\u300d\u624d\u662f\u6c7a\u5b9a\u9000\u4f11\u54c1\u8cea\u7684\u4e0b\u534a\u5834\u3002\u9762\u5c0d 73 \u6b72\u5f8c\u7684 RMD \u5f37\u5236\u8981\u6c42\uff0c\u52a0\u5dde\u5c45\u6c11\u4e0d\u61c9\u5750\u4ee5\u5f85\u6583\u3002\u900f\u904e\u8207\u6703\u8a08\u5e2b\uff08CPA\uff09\u6216\u7406\u8ca1\u898f\u5283\u5e2b\u7684\u63d0\u524d\u4f48\u5c40\uff0c\u60a8\u53ef\u4ee5\u7cbe\u6e96\u63a7\u5236\u5e74\u5ea6\u6536\u5165\u6c34\u5e73\uff0c\u78ba\u4fdd\u8f9b\u82e6\u7d2f\u7a4d\u7684\u8cc7\u7522\u662f\u7559\u5728\u81ea\u5df1\u53e3\u888b\uff0c\u800c\u975e\u5949\u737b\u7d66\u7a05\u52d9\u5c40\u3002 \u8acb\u8a18\u4f4f\uff0c\u6700\u597d\u7684 RMD 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Jenny Chang, EA, MBA \u00a0 \u5353\u8d8a\u570b\u969b\u7a05\u52d9&\u8ca1\u5bcc\u7ba1\u7406\u96c6\u5718\u526f\u7e3d\u88c1 \u69ae\u7372NLG2014,\u200b2015,\u200b2016\u5168\u7f8e\u7b2c\u4e00[\u4e09\u9023\u51a0\u3011 \u200b\u200b\u87ec\u806f\u767e\u842c\u5713\u684cMDRT-Top of the Table\u9802\u5c16\u9867\u554f KTSF26[\u5353\u8d8a\u4eba\u751f\u8ca1\u7a05\u89e3\u78bc\u3011\u8ca1\u7d93\u96fb\u8996\u4e3b\u8b1b\u4eba \u9810\u7d04\u96fb\u8a71\uff1a \u200b1-877-253-8288 \u96fb\u90f5\uff1aJenny@EliteWealths.com\u200b\u200b","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\/04\/tax-1.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2017\/04\/tax-1.jpg?resize=350%2C200&ssl=1 1x, 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\u7f8e\u570b\u7a05\u6cd5\u5c0d\u5404\u985e\u9000\u4f11\u91d1\u8a08\u5283\u90fd\u6709\u4e00\u5b9a\u7684\u512a\u60e0\u653f\u7b56\uff0c\u516c\u53f8\u4f01\u696d\u8cc7\u52a9\u7684\u9000\u4f11\u91d1\u662f\u53ef\u4ee5\u4f5c\u70ba\u4f01\u696d\u7684\u71df\u904b\u6210\u672c\u80fd100%\u7684\u62b5\u6e1b\u6536\u5165\uff0c\u4e0d\u4f46\u964d\u4f4e\u6240\u5f97\u7a05\u7387\u5c0d\u6709\u4e9b\u5c0f\u578b\u4f01\u696d\u53ef\u4ee5\u5927\u5e45\u964d\u4f4e\u7a05\u6b3e\uff0c\u751a\u81f3\u6709\u4e9b\u60c5\u6cc1\u53ef\u4ee5\u514d\u4ea4\u7a05\uff0c\u4f46\u5fc5\u9808\u8981\u5b8c\u5168\u7b26\u5408\u653f\u5e9c\u7a05\u6cd5\u898f\u5b9a\uff0c\u56e0\u6b64\u6709\u8a31\u591a\u9650\u5236\u3002 \u5408\u683c\u9000\u4f11\u8a08\u5283 Qualified Plan\u5305\u62ec401k\u9000\u4f11\u91d1\u8a08\u5283\uff0c\u5229\u6f64\u5206\u4eab\u8a08\u5283Profit Sharing Plan\u53ca\u76ee\u524d\u975e\u5e38\u666e\u904d\u8a2d\u7acb\u53d7\u83ef\u4eba\u6b61\u8fce\u7684\u56fa\u5b9a\u798f\u5229\u8a08\u5283 Defined Benefit Plan. \u4e00\u822c\u4f86\u8aaa\uff0c\u5c0d\u65bc\u5c0f\u578b\u4f01\u696d\u696d\u4e3b\u5728\u64ec\u8a02\u9000\u4f11\u8a08\u5283\u6642\uff0c\u5fc3\u4e2d\u4e00\u5b9a\u8981\u6709\u5168\u76e4\u7684\u6253\u7b97\uff0c\u660e\u767d\u6bcf\u7a2e\u8ca1\u52d9\u6c7a\u5b9a\u90fd\u6703\u4e92\u76f8\u727d\u9023\uff0c\u5728\u5de5\u4f5c\u671f\u9593\uff0c\u60a8\u53ef\u4ee5\u5229\u7528\u5408\u683c\u9000\u4f11\u8a08\u5283\u964d\u4f4e\u6240\u5f97\u7a05\uff0c\u4e0d\u4f46\u6e1b\u5c11\u958b\u652f\u9084\u53ef\u5e6b\u52a9\u696d\u4e3b\u7d2f\u7a4d\u9000\u4f11\u57fa\u91d1\uff0c\u4e26\u4fdd\u969c\u60a8\u7684\u4f01\u696d\u63d0\u4f9b\u54e1\u5de5\u798f\u5229\uff0c\u4e0d\u4f46\u53ef\u4ee5\u7528\u512a\u60e0\u7684\u9000\u4f11\u8a08\u5283\u4f86\u722d\u53d6\u512a\u79c0\u4eba\u624d\uff0c\u52a0\u5165\u4f01\u696d\u884c\u5217\uff0c\u4e26\u53ef\u4ee5\u6b64\u8a08\u5283\u734e\u52f5\u597d\u7684\u54e1\u5de5\uff0c\u7559\u4f4f\u4eba\u624d\u70ba\u4f01\u696d\u6253\u62fc\u3002 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