{"id":3844,"date":"2019-05-29T23:36:25","date_gmt":"2019-05-30T03:36:25","guid":{"rendered":"https:\/\/www.yibababa.com\/?p=3844"},"modified":"2019-05-29T23:36:25","modified_gmt":"2019-05-30T03:36:25","slug":"%e5%a6%82%e6%9e%9c%e8%ae%a9%e4%bd%a0%e7%9a%84401k%e9%80%80%e4%bc%91%e8%b4%a6%e6%88%b7%e8%be%be%e5%88%b0%e7%99%be%e4%b8%87%e7%be%8e%e5%85%83%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/3844","title":{"rendered":"\u5982\u679c\u8ba9\u4f60\u7684401K\u9000\u4f11\u8d26\u6237\u8fbe\u5230\u767e\u4e07\u7f8e\u5143\uff1f"},"content":{"rendered":"

\"401k\"<\/p>\n

\u7f8e\u56fd\u300c\u534e\u76db\u987f\u90ae\u62a5\u300d\u62a5\u5bfc\uff0c\u6839\u636e\u7f8e\u56fd\u8d44\u4ea7\u7ba1\u7406\u673a\u6784\u5bcc\u8fbe(Fidelity)\u7edf\u8ba1\uff0c\u968f\u7740\u7f8e\u56fd\u80a1\u5e02\u4ece\u53bb\u5e74\u5e95\u7684\u4f4e\u70b9\u53cd\u5f39\uff0c401(K)\u9000\u4f11\u5e10\u6237\u91d1\u989d\u8fbe\u5230\u767e\u4e07\u5143\u7684\u4eba\u6570\uff0c\u57282019\u5e74\u7b2c\u4e00\u5b63\u56de\u5347\u81f318\u4e07\u4eba\uff0c\u9ad8\u4e8e\u53bb\u5e74\u7b2c\u56db\u5b63\u768413\u4e073800\u4eba\uff1b\u4e2a\u4eba\u9000\u4f11\u5e10\u6237(IRA)\u7684\u767e\u4e07\u5bcc\u7fc1\u4e5f\u4ece\u53bb\u5e74\u7b2c\u56db\u5b63\u768413\u4e078800\u4eba\u56de\u5347\u81f316\u4e078100\u4eba\u3002<\/p>\n

\u5728\u5bcc\u8fbe(Fidelity)\u7ba1\u7406\u7684401(k)\u9000\u4f11\u5e10\u6237\u4e2d\uff0c\u767e\u4e07\u5bcc\u7fc1\u7684\u4eba\u6570\u4e0d\u591a\uff0c\u53ea\u5360\u8be5\u516c\u53f8\u7ba1\u7406\u6240\u6709401(k)\u5e10\u6237\u4e0d\u52301%\uff0c\u4f46\u8fd9\u4e9b\u4eba\u7684\u6210\u529f\u79d8\u8bc0\u4ecd\u503c\u5f97\u5927\u5bb6\u501f\u9274\uff1a<\/p>\n

1. \u65f6\u95f4\uff1a<\/span><\/p>\n

\u8fd9\u4e9b\u767e\u4e07\u5bcc\u7fc1\u5728\u5de5\u4f5c\u751f\u6daf\u7684\u521d\u671f\u5c31\u5f00\u59cb\u5b58\u94b1<\/span>\uff0c\u5927\u591a\u6570401(k)\u767e\u4e07\u5bcc\u7fc1\u6301\u7eed\u50a8\u84c4\u4e00\u5b9a\u91d1\u989d\u957f\u8fbe\u7ea630\u5e74\uff0c\u5176\u4e2d\u8bb8\u591a\u4eba\u7684\u85aa\u6c34\u5e76\u672a\u8fbe\u516d\u4f4d\u6570\u3002<\/p>\n

2. \u6301\u4e4b\u4ee5\u6046\uff1a<\/span><\/p>\n

\u8fd9\u4e9b\u767e\u4e07\u5bcc\u7fc1\u5373\u4f7f\u4e70\u623f\u5b50\u6216\u751f\u5c0f\u5b69\uff0c\u4ed6\u4eec\u4e5f\u7167\u6837\u5b58\u94b1\u3001\u4e0d\u53d7\u5f71\u54cd\uff0c\u4e14\u81f3\u5c11\u6309\u5de5\u8d4415%\u7684\u6bd4\u4f8b\u5b58\u94b1\uff0c\u8fd9\u4e2a\u6bd4\u4f8b\u662f\u8d44\u4ea7\u7ba1\u7406\u516c\u53f8\u5efa\u8bae\u5927\u5bb6\u91c7\u7528\u7684\uff0c\u5176\u4e2d\u53ef\u80fd\u5305\u62ec\u4e0a\u73ed\u65cf\u50a8\u84c4\u7684\u91d1\u989d\u4e0e\u96c7\u4e3b\u914d\u5bf9\u5b58\u5165\u7684\u91d1\u989d\u3002<\/p>\n

3. \u4e0d\u9519\u8fc7\u767d\u9001\u7684\u94b1\uff1a<\/span><\/p>\n

\u5982\u679c\u96c7\u4e3b\u6709\u63d0\u62e8\u4e00\u5b9a\u6bd4\u4f8b\u91d1\u989d\u81f3\u5458\u5de5\u7684401(k)\u9000\u4f11\u5e10\u6237\uff0c\u8fd9\u4e9b\u767e\u4e07\u5bcc\u7fc1\u4e5f\u4f1a\u63d0\u62e8\u8db3\u591f\u8d44\u91d1\uff0c\u4ee5\u5168\u989d\u4e89\u53d6\u5230\u96c7\u4e3b\u767d\u9001\u7684\u94b1\u3002<\/p>\n

4. \u522b\u5bb3\u6015\u98ce\u9669\uff1a<\/span><\/p>\n

401(k)\u5e10\u6237\u662f\u957f\u671f\u6295\u8d44\uff0c\u56e0\u6b64\u8fd9\u4e9b\u767e\u4e07\u5bcc\u7fc1\u901a\u5e38\u90fd\u6295\u8d44\u80a1\u7968\u578b\u5171\u540c\u57fa\u91d1<\/strong><\/span>\uff0c\u56e0\u4e3a\u4ed6\u4eec\u90fd\u660e\u767d\uff0c\u9000\u4f11\u50a8\u84c4\u7684\u6700\u5927\u98ce\u9669\u4e4b\u4e00\u5c31\u662f\u901a\u8d27\u81a8\u80c0<\/span>\u3002<\/p>\n

5. \u80a1\u5e02\u4e0b\u6ed1\u65f6\u4e0d\u60ca\u614c\u5931\u63aa\uff1a<\/span><\/p>\n

\u80a1\u5e02\u5fc5\u5b9a\u4f1a\u51fa\u73b0\u718a\u5e02\uff0c\u4e5f\u5c31\u662f\u80a1\u4ef7\u4e00\u518d\u4e0b\u8dcc\u7684\u65f6\u671f\uff0c\u4f46\u8fd9\u4e9b401(k)\u767e\u4e07\u5bcc\u7fc1\u4e0d\u4f1a\u88ab\u5413\u8dd1\uff0c\u4ed6\u4eec\u8ba4\u4e3a\u8fd9\u79cd\u65f6\u5019\u5c31\u8981\u300c\u4eba\u5f03\u6211\u53d6\u300d\uff0c\u4e5f\u5c31\u662f\u9022\u4f4e\u4e70\u8fdb\u66f4\u591a\u80a1\u7968\u7684\u7edd\u4f73\u65f6\u673a\u3002<\/p>\n

\"ring\"<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\u7f8e\u56fd\u300c\u534e\u76db\u987f\u90ae\u62a5\u300d\u62a5\u5bfc\uff0c\u6839\u636e\u7f8e\u56fd\u8d44\u4ea7\u7ba1\u7406\u673a\u6784\u5bcc\u8fbe(Fidelity)\u7edf\u8ba1\uff0c\u968f\u7740\u7f8e … \u7ee7\u7eed\u9605\u8bfb →<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3844","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/3844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/comments?post=3844"}],"version-history":[{"count":0,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/3844\/revisions"}],"wp:attachment":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/media?parent=3844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/categories?post=3844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/tags?post=3844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}