{"id":3868,"date":"2019-06-12T23:20:13","date_gmt":"2019-06-13T03:20:13","guid":{"rendered":"https:\/\/www.yibababa.com\/?p=3868"},"modified":"2019-06-12T23:20:13","modified_gmt":"2019-06-13T03:20:13","slug":"%e5%9c%a8%e7%be%8e%e5%9b%bd%e9%a6%96%e6%ac%a1%e8%b4%ad%e6%88%bf-%e5%8f%af%e4%bb%8e%e7%bd%97%e6%96%afira%e8%b4%a6%e6%88%b7%e5%8f%96%e9%92%b1","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/3868","title":{"rendered":"\u5728\u7f8e\u56fd\u9996\u6b21\u8d2d\u623f \u53ef\u4ece\u7f57\u65afIRA\u8d26\u6237\u53d6\u94b1"},"content":{"rendered":"

\"roth<\/p>\n

\u7f8e\u56fd\u56fd\u7a0e\u5c40(IRS)\u5141\u8bb8\u9996\u6b21\u8d2d\u623f\u4eba\u58eb\u4ece\u300c\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u5e10\u6237\u300d( Roth IRA)\u63d0\u53d6\u5f53\u521d\u5b58\u5165\u7684\u94b1<\/span>\uff0c\u518d\u52a0\u4e0a\u6700\u591a1\u4e07\u5143\u7684\u6295\u8d44\u6240\u5f97<\/span>\uff0c\u7528\u6765\u8d2d\u4e70\u7b2c\u4e00\u680b<\/span>\u623f\u5c4b\u800c\u4e0d\u987b\u652f\u4ed8\u7f5a\u6b3e\u548c\u7a0e\u91d1\u3002\u4f46\u5927\u591a\u6570\u8d22\u52a1\u987e\u95ee\u90fd\u4f1a\u5efa\u8bae\uff0c\u4ece\u4e2a\u4eba\u9000\u4f11\u5e10\u6237\u63d0\u6b3e\uff0c\u53ea\u53ef\u4ee5\u4f5c\u4e3a\u6700\u540e\u7684\u624b\u6bb5\u3002\u5176\u5b9e\uff0c\u9700\u8981\u7528\u94b1\u6709\u5f88\u591a\u9009\u62e9\uff0c\u6240\u4ee5\u5c3d\u53ef\u80fd\u4e0d\u8981\u52a8\u7528\u8fd9\u7b14\u9000\u4f11\u6b3e\u3002<\/p>\n

\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5c3d\u5feb\u4f60\u53ef\u4ee5\u4eceRoth IRA\u63d0\u51fa\u5b58\u5165\u7684\u94b1\u52a0\u4e0a1\u4e07\u5143\u7684\u6295\u8d44\u6536\u76ca\u6765\u4e70\u7b2c\u4e00\u680b\u623f\u5b50\uff0c\u4f46\u5fc5\u987b\u7b26\u5408\u4ee5\u4e0b\u6761\u4ef6<\/span>\uff1a<\/p>\n

\u2022 \u4f60\u548c\u914d\u5076<\/span>\u90fd\u662f\u7b2c\u4e00\u6b21\u8d2d\u623f\u8005 \uff0c\u7f8e\u56fd\u56fd\u7a0e\u5c40\uff08IRS\uff09\u5bf9\u6b64\u7684\u5b9a\u4e49\u662f\u8fc7\u53bb\u4e24\u5e74\u672a\u62e5\u6709<\/span>\u81ea\u5df1\u623f\u5c4b(principal residence)\u7684\u4eba\u3002<\/p>\n

\u2022 \u4f60\u7684\u7f57\u65af IRA\u5e10\u6237\u5df2\u5f00\u8bbe\u81f3\u5c11\u4e94\u5e74<\/span>\uff0c\u65f6\u95f4\u4ece\u4f60\u7b2c\u4e00\u6b21\u5b58\u94b1\u5230\u7f57\u65afIRA\u5e10\u6237\u90a3\u4e00\u5e74\u76841\u67081\u65e5<\/span>\u5f00\u59cb\u8ba1\u7b97\u3002<\/p>\n

\u2022 \u4ece\u7f57\u65afIRA\u63d0\u94b1\u540e\uff0c\u5fc5\u987b\u5728120\u5929\u5185\u7528\u6765<\/span>\u8d2d\u4e70\u623f\u5c4b\u3002<\/p>\n

\u6b64\u5916\uff0c\u4f60\u8fd8\u53ef\u4ee5\u7528\u8fd9\u7b14\u94b1\u4e3a\u5b50\u5973<\/span>\u3001\u5b59\u5b50\u5973<\/span>\u6216\u7236\u6bcd<\/span>\u8d2d\u4e70\u7b2c\u4e00\u5957\u623f\u5c4b\u3002\u4f46\u6bcf\u4eba\u60c5\u51b5\u4e0d\u540c\uff0c\u56e0\u6b64\u6700\u597d\u5148\u54a8\u8be2\u7a0e\u52a1\u4e13\u5bb6\u6216\u8d22\u52a1\u987e\u95ee\u7684\u610f\u89c1\uff0c\u4ee5\u4e86\u89e3\u7f8e\u56fd\u56fd\u7a0e\u5c40\u8ba4\u4e3a\u54ea\u4e9b\u8d39\u7528\u7b97\u662f\u8d2d\u5c4b\u8d39\u7528\u3002<\/p>\n

\u8d2d\u4e70\u623f\u5c4b\uff0c\u53ef\u80fd\u662f\u4f60\u4eba\u751f\u6700\u5927\u7684\u6295\u8d44\u4e4b\u4e00\u3002\u5982\u679c\u4f60\u4e00\u76f4\u5728\u4e3a\u9000\u4f11\u5b58\u94b1\uff0c\u5f88\u53ef\u80fd\u88ab\u8bf1\u60d1\u6765\u52a8\u7528\u9000\u4f11\u91d1\u4ee5\u652f\u4ed8\u4e70\u623f\u5b50\u7684\u5934\u6b3e\uff08down payment\uff09\u6216\u4ea4\u5272\u8d39\uff08closing fee\uff09\u3002\u7136\u800c\u8fd9\u6837\u505a\u5e94\u662f\u4e0d\u5f97\u5df2\u7684\u6700\u540e\u65b9\u6cd5\uff0c\u56e0\u4e3a\u4ece\u7f57\u65afIRA\u5e10\u6237\u63d0\u6b3e\uff0c\u5373\u4f7f\u65e0\u987b\u652f\u4ed8\u7f5a\u6b3e\uff0c\u9000\u4f11\u50a8\u84c4\u8fd8\u662f\u4f1a\u53d7\u5230\u4e24\u5927\u635f\u5931\uff0c\u4e00\u662f\u5c11\u4e86\u4e00\u5927\u7b14\u5df2\u8f9b\u82e6\u6512\u51fa\u6765\u3001\u4e14\u9886\u51fa\u6765\u4e0d\u7528\u4ed8\u7a0e\u7684\u94b1\uff0c\u4e8c\u662f\u4f1a\u9519\u8fc7\u6295\u8d44\u83b7\u5229\u7684\u6f5c\u529b\u3002<\/p>\n

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

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