{"id":4143,"date":"2020-02-11T22:38:19","date_gmt":"2020-02-12T03:38:19","guid":{"rendered":"https:\/\/www.yibababa.com\/?p=4143"},"modified":"2020-02-11T22:38:19","modified_gmt":"2020-02-12T03:38:19","slug":"2020%e5%b9%b4%e7%be%8e%e5%9b%bd%e7%a4%be%e5%ae%89%e9%87%91%e6%94%bf%e7%ad%96%e6%9c%89%e5%93%aa%e4%ba%9b%e4%b8%bb%e8%a6%81%e6%94%b9%e5%8f%98","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/4143","title":{"rendered":"2020\u5e74\u7f8e\u56fd\u793e\u5b89\u91d1\u653f\u7b56\u6709\u54ea\u4e9b\u4e3b\u8981\u6539\u53d8"},"content":{"rendered":"

\"social<\/p>\n

\u82e5\u4f60\u6b63\u5728\u6216\u51c6\u5907\u9886\u53d6\u7f8e\u56fd\u7684\u793e\u4f1a\u5b89\u5168\u798f\u5229\uff08Social Security Benefits\uff09\uff0c2020\u5e74\u7684\u793e\u5b89\u91d1\u6709\u4ee5\u4e0b\u6539\u53d8\uff1a<\/p>\n

\u4e00\u3001\u7f34\u7eb3\u793e\u5b89\u7a0e\u7684\u6536\u5165\u4e0a\u9650<\/span><\/p>\n

\u9700\u7f34\u7eb3\u793e\u5b89\u7a0e\u7684\u6700\u9ad8\u6536\u5165\u5c06\u4ece2019\u5e74\u768413\u4e072900\u7f8e\u5143\u589e\u81f3<\/span>2020\u5e74\u768413\u4e077700\u7f8e\u5143\u3002\u8fd9\u9879\u6539\u53d8\u53ea\u5f71\u54cd1\u4ebf7100\u4e07\u96c7\u5458\u4e2d\u76841180\u4e07\u4eba\uff0c\u4f46\u5bf9\u8fd97%\u7684\u96c7\u5458\u6765\u8bf4\u53ef\u80fd\u611f\u5230\u610f\u5916\uff0c\u4ed6\u4eec\u57282020\u5e74\u7f34\u4ea4\u7684\u793e\u5b89\u7a0e\uff0c\u4f1a\u6bd42019\u5e74\u591a298\u7f8e\u5143\u3002<\/p>\n

\u4e8c\u3001\u5de5\u4f5c\u5f71\u54cd\u798f\u5229\u7684\u6539\u53d8<\/span><\/p>\n

\u5728\u672a\u6ee1\u5b8c\u5168\u9000\u4f11\u5e74\u9f84\uff08Full Retirement Age\uff09\u524d\u5de5\u4f5c\u540c\u65f6\u9886\u53d6\u793e\u5b89\u91d1\u7684\u4eba\uff0c\u5176\u6536\u5165\u4f1a\u5bfc\u81f4\u9886\u53d6\u7684\u793e\u5b89\u91d1\u989d\u51cf\u5c11\u3002\u4f8b\u5982\uff0c\u57282020\u5e74\uff0c\u7f8e\u56fd\u793e\u5b89\u5c40\u5bf91\u4e078240\u7f8e\u5143<\/span>\u4ee5\u4e0a\u7684\u6536\u5165\uff0c\u6bcf\u8d85\u8fc72\u5143\u6263\u51cf1\u5143\u798f\u5229<\/span>\u3002<\/p>\n

\u4f46\u5bf9\u4e8e2020\u5e74\u6ee166\u5c81<\/span>\u7684\u96c7\u5458\uff0c\u6536\u5165\u4e0a\u9650\u5c06\u63d0\u9ad8\u81f34\u4e078600\u5143\uff0c\u8d85\u8fc74\u4e078600\u5143\u7684\u6536\u5165\uff0c\u6bcf\u8d853\u5143\u6263\u51cf1\u5143\u798f\u5229\uff0c\u76f4\u5230\u96c7\u5458\u6ee166\u5c81\u7684\u90a3\u4e2a\u6708\u3002<\/p>\n

1943\u81f31954\u5e74\u51fa\u751f\u7684\u4eba\uff0c\u5b8c\u5168\u9000\u4f11\u5e74\u9f84\u4e3a66\u5c81\u30021955\u5e74\u6216\u4ee5\u540e\u51fa\u751f\u7684\u4eba\uff0c\u6bcf\u4e00\u5e74\u9012\u589e\u4e24\u4e2a\u6708\uff0c\u76f4\u81f31960\u5e74\uff0c\u8fd9\u4e00\u5e74\u6216\u4ee5\u540e\u51fa\u751f\u7684\u4eba\uff0c\u5b8c\u5168\u9000\u4f11\u5e74\u9f84\u4e3a67\u5c81\u3002<\/p>\n

\u4e09\u3001\u793e\u5b89\u91d1\u548c\u7f34\u7a0e<\/span><\/p>\n

\u603b\u6536\u5165\u57282\u4e075000\u7f8e\u52303\u4e074000\u7f8e\u5143\u4e4b\u95f4\u7684\u793e\u5b89\u91d1\u9886\u53d6\u4e2a\u4eba\uff0c\u5176\u793e\u5b89\u91d1\u6700\u591a\u670950%\u9700\u7f34\u7a0e\uff1b\u5bf9\u6536\u5165\u8d85\u8fc73\u4e074000\u7f8e\u5143\u7684\u4e2a\u4eba\uff0c\u5219\u9ad8\u8fbe85%\u793e\u5b89\u91d1\u90fd\u53ef\u80fd\u8981\u7f34\u7a0e\u3002<\/p>\n

\u592b\u5987\u5408\u5e76\u62a5\u7a0e\uff0c\u5982\u679c\u603b\u6536\u5165\u57283\u4e072000\u7f8e\u5143\u81f34\u4e074000\u7f8e\u5143\u4e4b\u95f4\uff0c\u6700\u591a50%\u7684\u793e\u5b89\u91d1\u9700\u8981\u7f34\u7a0e\uff0c\u5982\u679c\u603b\u6536\u5165\u8d85\u8fc74\u4e074000\u7f8e\u5143\uff0c\u5219\u9ad8\u8fbe85%\u793e\u5b89\u91d1\u53ef\u80fd\u9700\u8981\u7f34\u7a0e\u3002<\/p>\n

\u6b64\u5916\uff0c\u5ddd\u666e\u603b\u7edf2019\u5e74\u5e95\u7b7e\u7f72\u540d\u4e3a\u300c\u4fdd\u969c\u6cd5\u6848\u300d(The SECURE Act)\u7684\u9000\u4f11\u6cd5\u6848\uff0c\u4e5f\u5c06\u5f71\u54cd\u76ee\u524d\u548c\u672a\u6765\u7684\u9000\u4f11\u8005\u3002\u5e74\u6ee170\u5c81\u534a<\/span>\u7684\u4eba\u53ef\u5ef6\u8fdf\u81f372\u5c81\uff0c\u624d\u5fc5\u987b\u4ece\u9000\u4f11\u5e10\u6237\u63d0\u53d6\u5f3a\u5236\u6700\u4f4e\u63d0\u6b3e\uff08Required Minimum Distribution\uff0c\u7b80\u79f0 RMD\uff09\u3002\u4e00\u822c\u6765\u8bf4\uff0c\u6700\u4f4e\u63d0\u6b3e\u89c4\u5b9a\u662f\u9000\u4f11\u8ba1\u5212\u5e10\u6237\u6301\u6709\u4eba\u6bcf\u5e74\u5fc5\u987b\u63d0\u53d6\u7684\u6700\u4f4e\u91d1\u989d\u3002<\/p>\n

\u76ee\u524d\uff0c\u9000\u4f11\u8d26\u53f7\u6301\u6709\u4eba\u6ee170\u5c81\u534a<\/span>\u5fc5\u987b\u6bcf\u5e74\u4ece\u81ea\u5df1\u7684\u9000\u4f11\u8d26\u6237\u53d6\u51fa\u4e00\u5b9a\u6bd4\u4f8b\u7684\u6b3e\u9879\u3002\u6bcf\u5e74\u6700\u4f4e\u63d0\u6b3e\u4e3a\u8d26\u6237\u4f59\u989d<\/span>\u9664\u4ee5\u4e0b\u8868\u4e2d<\/span>\u5e74\u9f84\u540e\u8fb9\u5bf9\u5e94\u7684\u6570\u5b57\uff08Distribution Period\uff09\u53ef\u5f97\u51fa\u3002\u7b2c\u4e00\u7b14\u5fc5\u987b\u5728\u6ee170\u5c81\u534a\u7684\u4e0b\u4e00\u5e74<\/strong>4\u67081\u65e5\u524d\u53d6\u51fa<\/span>\u3002\u5982\u679c\u9898\u5e93\u989d\u4e0d\u8db3\u89c4\u5b9a\u7684\u5f3a\u5236\u6700\u4f4e\u63d0\u6b3e\uff0c\u5219\u4f1a\u9762\u4e34\u7f5a\u6b3e\u3002<\/p>\n

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

\u82e5\u4f60\u6b63\u5728\u6216\u51c6\u5907\u9886\u53d6\u7f8e\u56fd\u7684\u793e\u4f1a\u5b89\u5168\u798f\u5229\uff08Social Security Benef … \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-4143","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/4143","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=4143"}],"version-history":[{"count":0,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/4143\/revisions"}],"wp:attachment":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/media?parent=4143"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/categories?post=4143"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/tags?post=4143"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}