{"id":2851,"date":"2018-01-27T19:17:42","date_gmt":"2018-01-28T00:17:42","guid":{"rendered":"http:\/\/yibababa.com\/?p=2851"},"modified":"2018-01-27T19:17:42","modified_gmt":"2018-01-28T00:17:42","slug":"%e7%be%8e%e5%9b%bd%e9%80%80%e4%bc%91%e8%ae%a1%e5%88%92%e7%ae%80%e4%bb%8b","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/2851","title":{"rendered":"\u7f8e\u56fd\u9000\u4f11\u8ba1\u5212\u7b80\u4ecb"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2853\" src=\"http:\/\/yibababa.com\/wp-content\/uploads\/2018\/01\/0-11-853x1024.jpg\" alt=\"0\" width=\"499\" height=\"599\" \/><\/p>\n<p>\u7f8e\u56fd\u9000\u4f11\u8001\u5e74\u4eba\u7684\u751f\u6d3b\u57fa\u672c\u90fd\u80fd\u5f97\u5230\u4fdd\u8bc1\uff0c\u8fd9\u8ddf\u7f8e\u56fd\u5065\u5168\u7684\u9000\u4f11\u517b\u8001\u91d1\u5236\u5ea6\u76f8\u5173\u3002\u800c\u7f8e\u56fd\u517b\u8001\u4fdd\u9669\u5236\u5ea6\u81f3\u4eca\u5df2\u6709200\u591a\u5e74\u5386\u53f2\uff0c\u5176\u4e2d\u6700\u666e\u904d\u7684\u5c31\u662f401K\u4e0eIRA\uff0c\u4f46\u4e24\u8005\u95f4\u6709\u7740\u5f88\u5927\u7684\u4e0d\u540c\u3002<\/p>\n<p><span style=\"color: #ff0000;\">\u4e00\u3001\u7f8e\u56fd\u4eba\u9000\u4f11\u540e\u7684\u751f\u6d3b\u6765\u6e90<\/span><\/p>\n<p><span style=\"color: #0000ff;\">1.\u3001\u793e\u4f1a\u5b89\u5168\u4fdd\u9669\u9000\u4f11\u798f\u5229(Social Security Retirement Benefit)<\/span><\/p>\n<p>\u7531\u653f\u5e9c\u4e3b\u5bfc\u5e76\u5f3a\u5236\u5b9e\u65bd\u7684\u8054\u90a6\u9000\u4f11\u91d1\u5236\u5ea6\uff0c\u9002\u7528\u4e8e\u6240\u6709\u5728\u7f8e\u56fd\u5408\u6cd5\u5de5\u4f5c\u6ee110\u5e74\u7684\u7f8e\u56fd\u4eba\u4e0e\u7eff\u5361\u6301\u6709\u4eba\uff0c\u6240\u6709\u516c\u53f8\u96c7\u4f63\u804c\u5458\u90fd\u9700\u5f3a\u5236\u53c2\u4e0e\uff0c\u5c06\u7a0e\u524d\u6536\u5165\u7684\u4e00\u5b9a\u6bd4\u4f8b(\u516c\u53f8\u4e0e\u96c7\u5458\u54046.2%)\u4ea4\u7ed9\u7f8e\u56fd\u653f\u5e9c\uff0c2018\u5e74\u4e2a\u4eba\u6536\u5165\u81f3\u591a$128,400\u9700\u8981\u7f34\u6b64\u7a0e\uff0c\u8d85\u51fa\u90e8\u5206\u65e0\u9700\u7f34\u7a0e\uff0c\u56e0\u6b64\u6bcf\u4eba\u6bcf\u5e74\u81f3\u591a\u7f34\u4ea4$7960.8\u7f8e\u5143\u7684\u793e\u5b89\u4fdd\u9669\u91d1\u3002\u53c2\u4e0e\u7f34\u8d39\u7684\u6c11\u4f17\u5728\u4ea4\u6ee140\u4e2a\u5b63\u5ea6(\u537310\u5e74)\u540e\uff0c\u9000\u4f11\u540e\u5373\u53ef\u9886\u53d6\u76f8\u5e94\u7684\u9000\u4f11\u798f\u5229\u3002<\/p>\n<p><span style=\"color: #0000ff;\">2\u3001\u4f01\u4e1a\u9000\u4f11\u91d1\u8ba1\u5212 (401K)<\/span><\/p>\n<p>401K\u53ea\u9002\u7528\u4e8e\u79c1\u8425\u516c\u53f8\u96c7\u5458\uff0c\u5c5e\u4e8e\u96c7\u4e3b\u548c\u96c7\u5458\u5171\u540c\u51fa\u8d44\u7684\u4f01\u4e1a\u8865\u5145\u517b\u8001\u4fdd\u9669\u5236\u5ea6\uff0c\u9002\u7528\u4e8e\u5728\u516c\u53f8\u6709\u63d0\u4f9b\u8be5\u798f\u5229\u8005\u3002\u975e\u76c8\u5229\u7ec4\u7ec7\uff0c\u5982\u5b66\u6821\uff0c\u4e5f\u4f1a\u63d0\u4f9b\u7c7b\u4f3c\u798f\u5229\uff0c\u53eb\u505a403B\u3002<\/p>\n<ul>\n<li><span style=\"color: #0000ff;\">\u6bcf\u5e74\u5b58\u5165\u4e0a\u9650<\/span>\uff1a\u4e00\u822c\u4e3a\u5de5\u8d44\u6536\u5165\u7684\u6bd4\u4f8b\uff0c\u4f8b\u59826%\uff0c\u4e0d\u540c\u516c\u53f8\u89c4\u5b9a\u7684\u6bd4\u4f8b\u4e0d\u4e00\u6837\uff1b2018\u5e74\u4e0a\u9650\u662f$18,500\uff0c\u82e5\u5e74\u6ee150\u5219\u4e3a$24,500(\u6bcf\u5e74\u4f1a\u6839\u636e\u901a\u81a8\u8c03\u6574)\uff1b<\/li>\n<li><span style=\"color: #0000ff;\">\u53c2\u52a0\u8d44\u683c<\/span>\uff1a\u4f01\u4e1a\u6709\u63d0\u4f9b\u8005\uff1b<\/li>\n<li><span style=\"color: #0000ff;\">\u597d\u5904<\/span>\uff1a\u5ef6\u8fdf\u7eb3\u7a0e\uff0c\u514d\u5f81\u5e10\u6237\u5185\u7684\u5b58\u6b3e\u5229\u606f\u3001\u80a1\u606f\u4e0e\u6295\u8d44\u6536\u76ca\u6240\u5f97\u7a0e\uff1b<\/li>\n<li><span style=\"color: #0000ff;\">\u6700\u4f4e\u63d0\u53d6\u5e74\u9f84\u9650\u5236<\/span>\uff1a\u6ee159.5\u5c81\u53ef\u53d6\u51fa\uff0c\u63d0\u524d\u9886\u53d6\u4f1a\u670910%\u7f5a\u6b3e\uff1b<\/li>\n<li><span style=\"color: #0000ff;\">\u5f3a\u5236\u63d0\u53d6\u5e74\u9f84<\/span>\uff1a\u5e74\u6ee170.5\u5c81\u540e\uff0c\u6bcf\u5e74\u5fc5\u987b\u53d6\u51fa\u4e00\u90e8\u5206\u8d44\u91d1\uff0c\u4e14\u65e0\u6cd5\u518d\u5b58\u5165\uff0c\u5426\u5219\u5c06\u6709\u7f5a\u6b3e\uff1b<\/li>\n<li><span style=\"color: #0000ff;\">\u53ef\u63d0\u524d\u63d0\u53d6\u7684\u7279\u6b8a\u72b6\u51b5<\/span>\uff1a\u652f\u4ed8\u5e9e\u5927\u533b\u7597\u5e10\u5355\/\u6210\u4e3a\u6b8b\u969c\u4eba\u58eb\/\u5931\u4e1a\u6ee112\u5468\u53ef\u63d0\u9886\u652f\u4ed8\u5065\u4fdd\u8d39\/\u5e10\u6237\u6301\u6709\u4eba\u6b7b\u4ea1 \/ 55\u5c81\u4ee5\u540e\u79bb\u804c\u3001\u4e0b\u5c97\u3001\u88ab\u89e3\u96c7\u6216\u63d0\u524d\u9000\u4f11\uff1b<\/li>\n<li><span style=\"color: #0000ff;\">\u53ef\u5411\u81ea\u5df1\u7684401K\u5e10\u6237\u7533\u8bf7\u8d37\u6b3e<\/span>\uff0c\u4f46\u7f3a\u70b9\u662f\u9700\u8981\u7f34\u4ea4\u4e24\u6b21\u7a0e\uff08\u5f52\u8fd8\u81f3401K\u5e10\u6237\u4e2d\u7684\u662f\u7a0e\u540e\u6536\u5165\uff0c\u800c\u672a\u6765\u63d0\u53d6\u65f6\u5219\u8fd8\u8981\u518d\u7f34\u4e00\u6b21)\uff0c\u8d37\u6b3e\u5229\u606f\u4e5f\u4e0d\u80fd\u62b5\u7a0e\uff1b<\/li>\n<li><span style=\"color: #0000ff;\">401K\u5e10\u6237\u5f52\u96c7\u5458\u6240\u6709<\/span>\uff0c\u79bb\u804c\u65f6\u96c7\u5458\u53ef\u5c06\u5176\u8f6c\u5165\u81ea\u5df1\u7684IRA\u5e10\u6237\uff0c\u6216\u8f6c\u5165\u65b0\u516c\u53f8\u7684401K\u8ba1\u5212\u8d26\u6237\u3002<\/li>\n<\/ul>\n<p><span style=\"color: #0000ff;\">3\u3001\u4e2a\u4eba\u9000\u4f11\u91d1\u8ba1\u5212 (IRA\u3001Roth IRA)<\/span><\/p>\n<p>IRA\uff08Individual Retirement Account \uff09\u662f401K\u4ee5\u5916\u53e6\u4e00\u4e2a\u7ba1\u7406\u9000\u4f11\u91d1\u7684\u5e38\u7528\u8d26\u6237\u7c7b\u522b\u3002\u7531\u4e2a\u4eba\u8d1f\u8d23\uff0c\u81ea\u613f\u53c2\u52a0\u7684\u4e2a\u4eba\u50a8\u84c4\u517b\u8001\u4fdd\u9669\u5236\u5ea6\uff0c\u9002\u7528\u4e8e\u6240\u6709\u80fd\u5728\u7f8e\u56fd\u5408\u6cd5\u5de5\u4f5c\u7684\u7f8e\u56fd\u4eba\u4e0e\u7eff\u5361\u6301\u6709\u4eba\uff0c\u4efb\u4f55\u6709\u6536\u5165(Earned Income) \u7684\u4e2a\u4eba\u90fd\u80fd\u5f00\u7acbIRA\u8d26\u6237\u3002<\/p>\n<p>\u4f9d\u636e\u4ea4\u7a0e\u65f6\u95f4\u53ef\u5206\u4e3a\u4f20\u7edf\u578bIRA\u4e0eRoth IRA\u4e24\u79cd\uff0c\u6bcf\u5e74\u6709\u5b58\u5165\u91d1\u989d\u4e0a\u9650\uff0c\u6709\u7a0e\u6536\u4f18\u60e0\uff0c\u9000\u4f11\u65f6\u59cb\u53ef\u9886\u51fa(\u5426\u5219\u4f1a\u6709\u7f5a\u6b3e)\u3002<\/p>\n<p><strong>\uff081\uff09\u4f20\u7edf\u578bIRA\u7684\u7279\u70b9<\/strong>\uff1a\u5148\u5b58\u5165\uff0c\u4e0d\u9700\u4ea4\u7a0e\uff0c\u672a\u6765\u63d0\u53d6\u65f6\u518d\u7f34\u4ea4\u4e2a\u4eba\u6240\u5f97\u7a0e(Pre-Tax)\uff0c\u53ef\u4eab\u6709\u300c\u5ef6\u8fdf\u7eb3\u7a0eTax Defer\u300d\u7684\u597d\u5904\uff1b<\/p>\n<ul>\n<li>\u6bcf\u5e74\u5b58\u5165\u4e0a\u9650\uff1a2018\u5e74\u5b58\u5165\u4e0a\u9650\u662f50\u5c81\u4ee5\u4e0b$5,500\uff0c\u6ee150\u5c81$6,500(\u6bcf\u5e74\u4f1a\u6839\u636e\u901a\u81a8\u8c03\u6574)\u3002<\/li>\n<li>\u53c2\u52a0\u8d44\u683c\uff1a\u6709\u62a5\u7a0e\u6536\u5165\uff08earned income\uff09\u3001\u672a\u6ee170.5\u5c81\u8005\u5747\u53ef\u53c2\u52a0\uff0c\u914d\u5076\u82e5\u65e0\u6536\u5165\uff0c\u4e5f\u53ef\u8bbe\u7acb\u914d\u5076IRA\u6216\u5171\u540c\u5e10\u6237\u3002<\/li>\n<li>\u597d\u5904\uff1a\u5ef6\u8fdf\u7eb3\u7a0e\uff0c\u514d\u5f81\u5e10\u6237\u5185\u7684\u5b58\u6b3e\u5229\u606f\u3001\u80a1\u606f\u4e0e\u6295\u8d44\u6536\u76ca\u6240\u5f97\u7a0e\u3002<\/li>\n<li>\u6700\u4f4e\u63d0\u53d6\u5e74\u9f84\u9650\u5236\uff1a\u6ee159.5\u5c81\u624d\u53ef\u63d0\u51fa\uff0c\u5426\u5219\u4f1a\u670910%\u7684\u989d\u5916\u7f5a\u6b3e\u3002<\/li>\n<li>\u5f3a\u5236\u63d0\u53d6\u5e74\u9f84\uff1a\u5e74\u6ee170.5\u5c81\u540e\uff0c\u6bcf\u5e74\u987b\u53d6\u51fa\u6700\u4f4e\u9886\u6b3e\u8d44\u91d1\uff0c\u4e14\u65e0\u6cd5\u518d\u5b58\u5165\uff0c\u5426\u5219\u5c06\u6709\u7f5a\u6b3e\u53d1\u751f\u3002<\/li>\n<li>\u53ef\u63d0\u524d\u63d0\u53d6\u7684\u7279\u6b8a\u72b6\u51b5\uff1a\u652f\u4ed8\u5e9e\u5927\u533b\u7597\u5e10\u5355\/\u6210\u4e3a\u6b8b\u969c\u4eba\u58eb\/\u5931\u4e1a\u6ee112\u5468\u53ef\u63d0\u9886\u652f\u4ed8\u5065\u4fdd\u8d39\/\u5e10\u6237\u6301\u6709\u4eba\u6b7b\u4ea1\/\u623f\u5c4b\u9996\u8d2d\u5934\u671f\u6b3e(\u4f9d\u56fd\u7a0e\u5c40\u89c4\u5b9a\uff0c\u4e2a\u4eba\u53ea\u8981\u8fc7\u53bb\u4e24\u5e74\u6ca1\u6709\u62e5\u6709\u623f\u5b50\uff0c\u4fbf\u53ef\u4eceIRA\/ Roth IRA\u63d0\u94b1\u652f\u4ed8\u4e70\u623f\u5934\u6b3e\uff0c\u4f46\u6bcf\u4eba\u7ec8\u8eab\u9650\u989d\u4e3a1\u4e07\u5143)\/ \u9ad8\u7b49\u6559\u80b2\u5b66\u6742\u8d39\u7528\u3002<\/li>\n<li>\u6bcf\u5e74\u5b58\u5165\u622a\u6b62\u65e5\uff1a4\u670815\u65e5\u524d\uff08\u82e5\u9488\u5bf92017\u5e74\u62a5\u7a0e\uff0c\u5219\u622a\u6b62\u65e5\u4e3a4\/17\/2018\uff09\u3002<\/li>\n<\/ul>\n<p><strong>\uff082\uff09Roth IRA\u7684\u7279\u70b9<\/strong>\uff1a\u9700\u5148\u7f34\u4ea4\u4e2a\u4eba\u6240\u5f97\u7a0e\u624d\u80fd\u5b58\u5165(After-TAX)\uff0c\u53d6\u51fa\u65f6\u65e0\u987b\u518d\u4ea4\u7a0e\u3002<\/p>\n<ul>\n<li>\u6bcf\u5e74\u5b58\u5165\u4e0a\u9650\uff1a2018\u5e74\u5b58\u5165\u4e0a\u9650\u662f50\u5c81\u4ee5\u4e0b$5,500\uff0c\u6ee150\u5c81\u4e3a$6,500(\u6bcf\u5e74\u4f1a\u6839\u636e\u901a\u81a8\u8c03\u6574)\u3002<\/li>\n<li>\u53c2\u52a0\u8d44\u683c\uff1a\u65e0\u5e74\u9f84\u9650\u5236\uff0c\u4f46\u6709\u6536\u5165\u9650\u5236\uff1a2018\u5e74\u4e2a\u4eba\u5e74\u6536\u5165\u8d85\u8fc7$120,000\uff0c\u6216\u5bb6\u5ead\u5e74\u6536\u5165\u8d85\u8fc7$189,000\u8005\u4e0d\u80fd\u7533\u8bf7Roth IRA\u3002<\/li>\n<li>\u597d\u5904\uff1a\u514d\u5f81\u5e10\u6237\u5185\u7684\u5b58\u6b3e\u5229\u606f\u3001\u80a1\u606f\u4e0e\u6295\u8d44\u6536\u76ca\u6240\u5f97\u7a0e\u3002<\/li>\n<li>\u6700\u4f4e\u63d0\u53d6\u5e74\u9f84\u9650\u5236\uff1a\u5f00\u7acb\u6ee15\u5e74\u540e\uff0c\u8d26\u6237\u4e2d\u7684\u672c\u91d1\u5373\u53ef\u53d6\u51fa\uff0c\u5e74\u6ee159.5\u5c81\u53ef\u81ea\u7531\u9886\u53d6\u3002<\/li>\n<li>\u5f3a\u5236\u63d0\u53d6\u5e74\u9f84\uff1a\u65e0\u3002<\/li>\n<li>\u53ef\u63d0\u524d\u63d0\u53d6\u7684\u7279\u6b8a\u72b6\u51b5\uff1a\u652f\u4ed8\u5e9e\u5927\u533b\u7597\u5e10\u5355\/\u6210\u4e3a\u6b8b\u969c\u4eba\u58eb\/\u5931\u4e1a\u6ee112\u5468\u53ef\u63d0\u9886\u652f\u4ed8\u5065\u4fdd\u8d39\/\u5e10\u6237\u6301\u6709\u4eba\u6b7b\u4ea1\/\u623f\u5c4b\u9996\u8d2d\u5934\u671f\u6b3e(\u4f9d\u56fd\u7a0e\u5c40\u89c4\u5b9a\uff0c\u4e2a\u4eba\u53ea\u8981\u8fc7\u53bb\u4e24\u5e74\u6ca1\u6709\u62e5\u6709\u623f\u5b50\uff0c\u4fbf\u53ef\u4eceIRA\/ Roth IRA\u63d0\u94b1\u652f\u4ed8\u4e70\u623f\u5934\u6b3e\uff0c\u4f46\u6bcf\u4eba\u7ec8\u8eab\u9650\u989d\u4e3a1\u4e07\u5143)\/ \u9ad8\u7b49\u6559\u80b2\u5b66\u6742\u8d39\u7528\u3002<\/li>\n<li>\u6bcf\u5e74\u5b58\u5165\u622a\u6b62\u65e5\uff1a4\u670815\u65e5\uff08\u82e5\u9488\u5bf92017\u5e74\u62a5\u7a0e\uff0c\u5219\u622a\u6b62\u65e5\u4e3a4\/17\/2018\uff09\u3002<\/li>\n<\/ul>\n<p><span style=\"color: #0000ff;\">4\u3001\u4f01\u4e1a<strong>\u517b<\/strong>\u8001\u91d1\u8ba1\u5212(Pension Plan)<\/span><\/p>\n<p>\u8fd9\u4e2aPension\u8ba1\u5212\u65e0\u987b\u96c7\u5458\u7f34\u8d39\uff0c\u800c\u662f\u4f01\u4e1a\u4e3b\u52a8\u627f\u62c5\uff0c\u5c5e\u4e8e\u4f01\u4e1a\u5458\u5de5\u798f\u5229\u4e4b\u4e00\uff0c\u4f46\u76ee\u524d\u63d0\u4f9b\u4f01\u4e1a\u517b\u8001\u91d1\u8ba1\u5212\u7684\u673a\u6784\u4e0d\u662f\u7279\u522b\u591a\uff0c\u4e14\u82e5\u4f01\u4e1a\u7ecf\u8425\u4e0d\u5584\u5012\u95ed\uff0c\u90a3\u4e48\u90a3\u4e9bPension\u4e5f\u5f88\u6709\u53ef\u80fd\u6c38\u8fdc\u62ff\u4e0d\u5230\u3002\u7f8e\u56fd\u653f\u5e9c\u96c7\u5458\u8fd8\u6709\u6b64\u8ba1\u5212\uff0c\u4e3b\u8981\u9002\u7528\u4e8e\u7f8e\u56fd\u516c\u52a1\u5458\uff1b\u6b64\u5916\uff0c\u67d0\u4e9b\u6709\u5de5\u4f1a\u7684\u4f01\u4e1a\u4e5f\u63d0\u4f9b\u517b\u8001\u91d1\u3002<\/p>\n<p>\u5728\u7f8e\u56fd\uff0cPension\u5e76\u975e\u516c\u53f8\u4e49\u52a1\u627f\u62c5\uff0c\u7531\u4e8e\u6b64\u798f\u5229\u6613\u5bf9\u516c\u53f8\u9020\u6210\u6c88\u91cd\u8d1f\u62c5\uff0c\u9000\u4f11\u5458\u5de5\u4e5f\u4e0d\u5e0c\u671b\u81ea\u5df1\u9000\u4f11\u540e\u5374\u56e0\u516c\u53f8\u51fa\u95ee\u9898\u800c\u62ff\u4e0d\u5230\u517b\u8001\u91d1\uff0c\u56e0\u6b64\u8d8a\u6765\u8d8a\u591a\u4f01\u4e1a\u8f6c\u800c\u4ee5401K Match\uff0c\u5373\u5458\u5de5\u5b58\u4e00\u7b14\u94b1\u81f3\u81ea\u5df1\u7684401K\u8d26\u6237\uff0c\u516c\u53f8\u4f1a\u518d\u5b58\u5165\u7b49\u91cf\u6216\u4e00\u5b9a\u6bd4\u4f8b\u7684\u8d44\u91d1\u3002<\/p>\n<p><span style=\"color: #ff0000;\">\u4e8c\u3001401K\u4e0eIRA\u7684\u8fd0\u4f5c\u539f\u7406<\/span><\/p>\n<p>1\u3001\u7686\u662f\u900f\u8fc7\u6307\u5b9a\u7684\u91d1\u878d\u516c\u53f8\u7ba1\u7406(401K\uff1a\u96c7\u4e3b\u6311\u9009\u7684\uff0cIRA\uff1a\u96c7\u5458\u81ea\u5df1\u9009\u7684)\uff0c\u6bcf\u4e2a\u6708\u5c06\u94b1\u5b58\u5165\u540e\uff0c\u96c7\u5458\u53ef\u81ea\u4e3b\u9009\u62e9\u6295\u8d44\u6807\u7684\u4e0e\u7ec4\u5408\uff0c\u5e76\u81ea\u884c\u627f\u62c5\u6295\u8d44\u98ce\u9669\u76c8\u4e8f\uff0c\u800c\u9000\u4f11\u540e\u7684\u9000\u4f11\u91d1\u9886\u53d6\u91d1\u989d\u591a\u5be1\u5219\u53d6\u51b3\u4e8e\u8fc7\u53bb\u7684\u7f34\u8d39\u91d1\u989d\u9ad8\u4f4e\uff0c\u4ee5\u53ca\u6295\u8d44\u6536\u76ca\u72b6\u51b5\u3002\u57fa\u672c\u4e0a\u7531\u4e8e\u9000\u4f11\u91d1\u6295\u8d44\u65f6\u95f4\u8de8\u5ea6\u76f8\u5f53\u957f\uff0c\u56e0\u6b64\u8d54\u94b1\u6982\u7387\u4e0d\u9ad8\u3002<\/p>\n<p>2\u3001\u65e0\u8bba\u662f\u4f20\u7edf\u578b\u6216Roth\u578b\uff0c401K\u4e0eIRA\u7684\u6700\u5927\u597d\u5904\u5c31\u662f<span style=\"color: #ff0000;\">\u7a0e\u6536\u4f18\u60e0<\/span>(Tax Advantage)\uff1a\u90fd\u4e0d\u9700\u7f34\u4ea4\u8d44\u672c\u5229\u5f97\u7a0e(Capital Gain Tax)\u548c\u80a1\u5229\u7a0e(Dividend Tax)\uff0c\u4e0d\u8fc7\u4ecd\u8981\u7f34\u4ea4\u4e2a\u4eba\u6240\u5f97\u7a0e\u3002<\/p>\n<p>\u7b80\u5355\u4e3e\u4f8b\uff1a\u5047\u8bbe\u53bb\u5e74\u6536\u5165$40,000\uff0c\u5b58\u5165401K\u5b58\u5165\u4e0a\u9650$6,000\uff0c\u5219\u4eca\u5e74\u9700\u7f34\u7a0e\u7684\u6536\u5165\u4e3a$28,000\u3002<\/p>\n<p><span style=\"color: #ff0000;\">\u4e09\u3001401K\u3001Roth 401K \u3001IRA\u3001Roth IRA \u91cd\u70b9\u6bd4\u8f83<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2852\" src=\"http:\/\/yibababa.com\/wp-content\/uploads\/2018\/01\/0-10.jpg\" alt=\"0\" width=\"692\" height=\"739\" \/><\/p>\n<p><span style=\"color: #ff0000;\">\u56db\u3001\u8bf4\u660e<\/span>\uff1a<\/p>\n<p>1\u3001401K\u901a\u5e38\u4f1a\u6709\u516c\u53f8\u5339\u914d\u8ba1\u5212(employer match)\u7684\u798f\u5229\uff0c\u96c7\u4e3b\u4f1a\u5b58\u5165\u4e0e\u96c7\u5458\u76f8\u5339\u914d\u7684\u94b1\u81f3\u8be5\u540d\u96c7\u5458\u7684401K\u5e10\u6237(\u516c\u53f8\u5339\u914d\u7684\u6bd4\u4f8b\u4e0e\u4e0a\u9650\u4ee5\u5404\u516c\u53f8\u89c4\u5b9a\u4e3a\u51c6)\u3002<\/p>\n<p>2\u3001401K\u662f\u7531\u4f01\u4e1a\u4e3b\u5bfc\u5e76\u6709\u516c\u53f8\u5bf9\u7b49\u6295\u5165\uff0cIRA\u5219\u662f\u7531\u4e2a\u4eba\u5f00\u8bbe\u5e10\u6237\uff0c\u4e0e\u96c7\u4e3b\u65e0\u5173\u3002401K\u5e10\u6237\u4f1a\u8ddf\u7740\u96c7\u5458\u8df3\u69fd\u800c\u968f\u4e4b\u79fb\u81f3\u65b0\u516c\u53f8\u7684401K\u7ba1\u7406\u516c\u53f8\uff1bIRA\u5e10\u6237\u662f\u81ea\u5df1\u5f00\u8bbe\u7684\uff0c\u5373\u4f7f\u8df3\u69fd\uff0c\u8fd9\u4e2a\u5e10\u6237\u4ecd\u4e0d\u4f1a\u53d8\u3002<\/p>\n<p>3\u3001\u4e00\u822c\u6765\u8bf4\uff0cIRA\u6295\u8d44\u7684\u6295\u8d44\u9009\u62e9\u6807\u7684\uff08\u57fa\u91d1\u3001\u80a1\u7968\uff09\u6bd4401K\u66f4\u591a\u5143\u3002<\/p>\n<p>4\u3001401K\u4e0eIRA\u662f\u7a0e\u524d\u7684\u94b1\uff0c\u5b58\u5165\u91d1\u989d\u53ef\u62b5\u5f53\u5e74\u7684\u6240\u5f97\u7a0e(Tax Deductable)\uff1bRoth 401K\u548cRoth IRA\u662f\u7a0e\u540e\u6536\u5165\uff0c\u56e0\u6b64\u5b58\u5165\u91d1\u989d\u4e0d\u80fd<span style=\"color: #0000ff;\">\u62b5<\/span>\u5f53\u5e74\u7684\u6240\u5f97\u7a0e\u3002<\/p>\n<p>5\u3001IRA\u7684\u7a0e\u6536\u62b5\u514d\u6709\u6536\u5165\u9650\u5236\uff0c\u800c401K\u6ca1\u6709\u6536\u5165\u9650\u5236\u3002\u5982\u679c\u4f60\u5df2\u7ecf\u53c2\u52a0401K\uff0c\u800c\u4e14\u4e2a\u4eba\u5e74\u6536\u5165\uff082018\u5e74\uff09\u5927\u4e8e$73,000\u6216\u5bb6\u5ead\u5e74\u6536\u5165\u5927\u4e8e$121,000\uff0c\u5219\u5b58\u5165IRA\u7684\u8d44\u91d1\u5c31\u4e0d\u80fd\u62b5\u7a0e\u3002<\/p>\n<p>6\u3001\u4f20\u7edfIRA\u8d26\u6237\uff0c\u4f60\u6ee159.5\u5c81\u5c31\u53ef\u53d6\u51fa\uff0c\u53d6\u51fa\u65f6\u7b97\u4f5c\u5f53\u5e74\u7684\u6536\u5165\u6765\u7f34\u4ea4\u4e2a\u4eba\u6240\u5f97\u7a0e\u3002\u800c<a href=\"https:\/\/www.rothira.com\/roth-ira-withdrawal-rules\" target=\"_blank\"><span style=\"text-decoration: underline; color: #0000ff;\">Roth IRA<\/span><\/a>\uff0c\u5b58\u5165\u94b1\u5c31\u5df2\u7ecf\u9884\u5148\u7f34\u4e2a\u4eba\u6240\u5f97\u7a0e\uff0c\u6ee159.5\u5c81\u53ef\u53d6\u51fa\uff0c\u53d6\u51fa\u65f6\u65e0\u987b\u518d\u7f34\u4efb\u4f55\u7684\u7a0e\uff08\u5305\u62ec\u4e00\u5207\u5229\u606f\u7ea2\u5229\u7b49\u9644\u52a0\u503c\u7686\u65e0\u987b\u7f34\u7a0e\uff09\u3002<\/p>\n<p>7\u3001\u4e0d\u7ba1\u4f60\u9009\u62e9\u4f55\u79cd\u9000\u4f11\u91d1\u8ba1\u5212\uff0c\u51c6\u5219\u5c31\u662f\uff1a\u8d8a\u65e9\u53c2\u52a0\u8d8a\u597d\u3002<\/p>\n<p>8\u3001\u53ea\u8981\u5f53\u5e74\u7684AGI(adjusted gross income)\u7b26\u5408\u89c4\u5b9a\uff0c401K\u4e0eIRA\/Roth IRA\u53ef\u540c\u65f6\u5f00\u7acb\u5b58\u5728\uff0c\u5e76\u505a\u79fb\u8f6c(rollover)\u3002IRA\u4e0eRoth IRA\u4e5f\u53ef\u540c\u65f6\u5b58\u5728\uff0c\u4f46\u4e24\u4e2a\u8d26\u6237\u4e2d\u6bcf\u5e74\u5b58\u653e\u8fdb\u53bb\u7684\u94b1\u4e0d\u53ef\u8d85\u8fc7\u5355\u4e2a\u8d26\u6237\u7684\u9650\u989d\uff0c\u4ea6\u5373$5,500(50\u5c81\u4ee5\u4e0b)\u6216$6,500(50\u5c81\u6216\u4ee5\u4e0a)\u3002\u540c\u7406\uff0c 401K\u548cRoth 401K\u4e5f\u53ef\u540c\u65f6\u5b58\u5728\uff0c\u4f46\u4e24\u4e2a\u8d26\u6237\u4e2d\u6bcf\u5e74\u5b58\u653e\u8fdb\u53bb\u7684\u524d\u4e0d\u53ef\u8d85\u8fc7\u5355\u4e2a\u8d26\u6237\u7684\u9650\u989d\uff0c2018\u5e74\u4e3a$18,500\uff08\u5e74\u6ee150\u5219\u4e3a$24,500 \uff09\u3002<\/p>\n<p>9\u3001\u82e5\u60f3\u5c06IRA\/401K\u7684\u94b1\u63d0\u65e9\u9886\u51fa\uff0c\u4f46\u53c8\u60f3\u907f\u514d\u7f5a\u6b3e\uff0c\u8be5\u600e\u4e48\u505a\uff1f \u53ef\u8003\u8651\u5c06IRA\/401K\u7684\u94b1\u76f4\u63a5\u8f6c\u5165Roth IRA\u4e2d\u3002\u7531\u4e8e\u8fd9\u90e8\u5206\u7684\u94b1\u5728\u5f53\u5e74\u5b58\u5165IRA\/401K\u65f6\u6ca1\u6709\u7f34\u7a0e\uff0c\u56e0\u6b64\u8f6c\u5b58\u81f3Roth IRA\u65f6\u8981\u8865\u7f34\u7a0e\u3002\u4f46\u8f6c\u5b58\u5165Roth IRA\u5e76\u5728\u5b58\u6ee15\u5e74\u540e\uff0c\u5c31\u53ef\u5f00\u59cb\u63d0\u53d6\u672c\u91d1\u90e8\u5206\uff0c\u4e14\u4e0d\u9700\u7eb3\u7a0e\u4e5f\u4e0d\u5fc5\u652f\u4ed8\u7f5a\u91d1\u3002<\/p>\n<p>10\u3001\u5982\u679c\u5e2e\u65e0\u6536\u5165\u7684\u914d\u5076\u7533\u8bf7Roth IRA\u5e10\u6237\uff0c\u8bf7\u95ee\u5b58\u5165\u91d1\u989d\u4e0a\u9650\u5982\u4f55\u8ba1\u7b97\uff1f \u5982\u679c\u662f\u4ee5\u914d\u5076\u540d\u5b57\u5f00\u7acb\u5e10\u6237\uff0c\u5219\u4f60\u548c\u914d\u5076\u7684\u6bcf\u5e74\u5b58\u5165\u4e0a\u9650\u91d1\u989d\u5219\u4e3a\u5206\u5f00\u8ba1\u7b97\uff0c\u4ea6\u5373\u4f60\u672c\u8eab\uff082018\u5e74\uff09\u81f3\u591a\u53ef\u5b58$5,500\u3001\u914d\u5076\u81f3\u591a\u53ef\u5b58$5,500\uff0c\u56e0\u6b64\u4e24\u4eba\u52a0\u8d77\u6765\u4e3a$11,000(\u524d\u63d0\u4e3a\u4f60\u7684\u5e74\u6536\u5165\u5fc5\u987b\u8d85\u8fc7$11,000)\u3002<\/p>\n<p>11\u3001\u53ef\u4ee5\u5e2e\u5b69\u5b50\u8bbe\u7acbIRA\/Roth IRA\u5e10\u6237\u5417\uff1f \u53ef\u4ee5\uff0c\u53ea\u8981\u4f60\u7684\u5b69\u5b50\u53ef\u5728\u7f8e\u5408\u6cd5\u5de5\u4f5c\uff0c\u4e14\u6709\u5408\u6cd5\u6536\u5165\u8bc1\u660e\u3002\u6b64\u5916\uff0c\u5b58\u5728IRA\/Roth IRA\u4e2d\u7684\u94b1\u5728\u672a\u6765\u53ef\u5728\u4e0d\u88ab\u7f5a\u6b3e\u7684\u60c5\u51b5\u4e0b\u63d0\u9886\u51fa\u6765\u4f5c\u4e3a\u9ad8\u7b49\u6559\u80b2\u5b66\u8d39\u6742\u8d39\u4f7f\u7528\u3002<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\">\uff08<strong>\u626b\u63cf\u4e8c\u7ef4\u7801<span style=\"color: #0000ff;\">\u5206\u4eab<\/span><\/strong>\u6587\u7ae0\u5230<strong><span style=\"color: #0000ff;\">\u5fae\u4fe1<\/span><\/strong>\u6216<span style=\"color: #0000ff;\">QQ<strong>\u670b\u53cb\u5708<\/strong><\/span>\uff09<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/chart.googleapis.com\/chart?cht=qr&amp;chs=150x150&amp;choe=UTF-8&amp;chld=L|4&amp;chl=http:\/\/yibababa.com\/archives\/2851\" alt=\"QR \u7801\" width=\"150\" height=\"150\" 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