{"id":416122,"date":"2024-03-08T18:00:28","date_gmt":"2024-03-09T02:00:28","guid":{"rendered":"https:\/\/icitynews.com\/?p=416122"},"modified":"2024-03-08T18:00:28","modified_gmt":"2024-03-09T02:00:28","slug":"ira%e8%b4%a6%e6%88%b7%e5%8f%af%e7%94%a8%e4%ba%8e%e5%93%aa%e4%ba%9b%e7%90%86%e8%b4%a2%e6%96%b9%e5%bc%8f%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=416122","title":{"rendered":"IRA\u8d26\u6237\u53ef\u7528\u4e8e\u54ea\u4e9b\u7406\u8d22\u65b9\u5f0f\uff1f"},"content":{"rendered":"

\u8ddd\u79bb2024\u5e74\u5ea6\u62a5\u7a0e\u5b63\u7684\u7ed3\u675f\uff082024 \u5e744 \u670815 \u65e5\u661f\u671f\u4e00\uff09\u53ea\u6709\u4e00\u4e2a\u6708\u5de6\u53f3\u7684\u65f6\u95f4\u4e86\uff0c\u8bb8\u591a\u4eba\u5f00\u59cb\u8003\u8651\u5982\u4f55\u5728\u5269\u4e0b\u7684\u6709\u9650\u65f6\u95f4\u5185\u8fdb\u884c\u7a0e\u52a1\u548c\u8d22\u52a1\u89c4\u5212\u4ee5\u6700\u5927\u5316\u4ed6\u4eec\u7684\u5229\u76ca\u3002\u5728\u4f17\u591a\u9009\u62e9\u4e2d\uff0c\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff08IRA\uff09\u4ee5\u5176\u7075\u6d3b\u6027\u548c\u7a0e\u6536\u4f18\u60e0\u6210\u4e3a\u4e86\u4e00\u4e2a\u70ed\u95e8\u9009\u9879\uff0c\u53d7\u5230\u4e86\u5e7f\u6cdb\u7684\u6b22\u8fce\u3002
\n\u7136\u800c\uff0c\u5c3d\u7ba1IRA\u7684\u666e\u53ca\u5ea6\u5f88\u9ad8\uff0c\u5f88\u591a\u4eba\u5bf9\u4e8e\u5982\u4f55\u5145\u5206\u5229\u7528\u8fd9\u4e00\u5de5\u5177\u8fdb\u884c\u8d22\u52a1\u89c4\u5212\u548c\u7406\u8d22\u4ecd\u7136\u5b58\u5728\u7591\u95ee\u3002\u4eca\u5929\u6211\u4eec\u5c06\u6df1\u5165\u63a2\u8ba8IRA\u7684\u4e0d\u540c\u5229\u7528\u65b9\u5f0f\u3002\u6211\u4eec\u5c06\u4e00\u8d77\u63a2\u7d22IRA\u8d26\u6237\u80fd\u591f\u63d0\u4f9b\u7684\u5e38\u89c1\u7406\u8d22\u9014\u5f84\uff0c\u5e2e\u52a9\u60a8\u66f4\u597d\u5730\u7406\u89e3\u5982\u4f55\u901a\u8fc7\u8fd9\u4e00\u5f3a\u5927\u7684\u5de5\u5177\u6765\u4f18\u5316\u60a8\u7684\u7a0e\u52a1\u89c4\u5212\u548c\u8d22\u52a1\u5e03\u5c40\u3002<\/p>\n

IRA\u8d26\u6237\u7684\u79cd\u7c7b<\/strong>
\n1. Traditional IRA<\/strong>
\n\u4f20\u7edfIRA\u662f\u4e00\u79cd\u5177\u6709\u7a0e\u6536\u4f18\u60e0\u7684\u4e2a\u4eba\u50a8\u84c4\u8ba1\u5212\uff0c\u4f9b\u6b3e\u6216\u53ef\u514d\u7a0e\u3002\u901a\u5e38\uff0c\u4f20\u7edfIRA\u4e2d\u7684\u8d44\u91d1\u5728\u63d0\u53d6\u4e4b\u524d\u4e0d\u5f81\u7a0e\u3002\u6839\u636e\u4e2a\u4eba\u5e74\u9f84\u548cIRA\u7c7b\u578b\uff0c\u57282023\u5e74\u6bcf\u5e74\u5bf9\u6240\u6709\u4f20\u7edfIRA\u7684\u4f9b\u6b3e\u603b\u989d\u4e0d\u80fd\u8d85\u8fc76500\u7f8e\u5143 \uff1b\u5982\u679c\u4f6050\u5c81\u4ee5\u4e0a\uff0c\u5219\u4e3a7500\u7f8e\u5143 \uff082024\u5e74\u5ea6\u4e3a7,000\u7f8e\u5143\uff0c50\u5c81\u4ee5\u4e0a8000\u7f8e\u5143\uff09\u3002
\n\u5728IRA\u8d26\u6237\u4e2d\u7684\u589e\u957f\u6216\u6295\u8d44\u6240\u5f97\u662f\u5ef6\u7a0e\u7684\u3002\u4f46\u5f5359\u5c81\u534a\u540e\u4eceIRA\u5e10\u6237\u6240\u63d0\u9886\u7684\u94b1\u90fd\u5fc5\u987b\u8981\u7f34\u7a0e\u3002<\/p>\n

2. Roth IRA<\/strong>
\nRoth IRA\u4e0e\u4f20\u7edfIRA\u4e0d\u4e00\u6837, \u6240\u62e8\u6b3e\u9879 (Contribution) \u662f\u4e0d\u80fd\u62b5\u51cf\u6536\u5165\u6216\u7701\u7a0e\u7684\u3002\u4f46\u8d26\u6237\u88ab\u7684\u589e\u957f\u6216\u662f\u6295\u8d44\u6240\u5f97\u662f\u4e0d\u7528\u4ea4\u7a0e\u7684\u3002\u4f20\u7edfIRA\u548cRoth IRA\u5206\u522b\uff0c\u5c31\u662f\u4f20\u7edfIRA\u662f\u300c\u540e\u4ed8\u7a0e\u300d, \u800c\u53e6Roth IRA \u662f\u300c\u5148\u4ed8\u7a0e\u300d\u3002\u800c\u4e14\uff0c\u53ea\u8981\u8be5\u8d26\u6237\u5f00\u6ee1\u4e94\u5e74\u800c\u60a8\u53c8\u5927\u4e8e59\u00bd\u5c81\uff0c\u63d0\u53d6\u6536\u76ca\u7684\u90e8\u5206\u514d\u8054\u90a6\u7a0e, \u800c\u4e14\u4f9b\u6b3e\u53ef\u4ee5\u968f\u65f6\u63d0\u53d6\uff0c\u6ca1\u6709\u8054\u90a6\u7a0e\u6216\u7f5a\u6b3e, \u4e5f\u6ca1\u6709\u6700\u4f4e\u53d6\u6b3e\u8981\u6c42(RMD), \u53d7\u76ca\u4eba\u7684\u53d6\u6b3e\u4e5f\u662f\u514d\u7a0e\u7684\u3002
\nRoth IRA\u4e0e\u4f20\u7edfIRA\u7684\u4f9b\u6b3e\u9650\u989d\u4e00\u6837\uff0c\u4e0d\u80fd\u8d85\u8fc76500\u7f8e\u5143 \uff1b\u5982\u679c\u4f6050\u5c81\u4ee5\u4e0a\uff0c\u5219\u4e3a7500\u7f8e\u5143 \uff082024\u5e74\u5ea6\u4e3a7,000\u7f8e\u5143\uff0c50\u5c81\u4ee5\u4e0a8000\u7f8e\u5143\uff09\u3002<\/p>\n

3. SEP (Simplified Employee Pension) IRA\uff0c\u7b80\u6613\u96c7\u5458\u9000\u4f11\u91d1<\/strong>
\nSEP IRA\u5c5e\u4e8e\u4e2a\u4eba\u9000\u4f11\u8ba1\u5212\uff0c\u4f46\u7531\u96c7\u4e3b\u4e3a\u96c7\u5458\u5b58\u5165\u5458\u5de5\u672c\u4eba\u540d\u4e0b\u7684\u8d26\u6237\uff0c\u662f\u4e13\u4e3a\u4e2a\u4f53\u8425\u4e1a\u4e2a\u4eba\u3001\u5c0f\u4f01\u4e1a\u96c7\u4e3b\u4ee5\u53ca\u5c0f\u4f01\u4e1a\u552f\u4e00\u96c7\u5458\u800c\u8bbe\u3002SEP IRA\u548c\u4f20\u7edfIRA\u76f8\u4f3c\u9000\u4f11\u8d26\u6237\u5185\u7684\u8d44\u91d1\u63d0\u9886\u4e4b\u524d\u4e0d\u9700\u7f34\u7a0e\u3002
\n\u5728\u62a52023\u5e74\u7a0e\u65f6\uff0cSep IRA\u7684\u6700\u5927\u4f9b\u6b3e\u989d\u4e3a66,000\u7f8e\u5143\uff082024\u5e7469,000\u7f8e\u5143\uff09\u3002<\/p>\n

4. SIMPLE IRA\uff0c\u96c7\u5458\u5b58\u6b3e\u5956\u52b1\u8ba1\u5212\u4e2a\u4eba\u9000\u4f11\u5e10\u6237<\/strong>
\n\u662f\u96c7\u4e3b\u63d0\u4f9b\u7ed9\u96c7\u5458\u7684\u9000\u4f11\u8ba1\u5212\uff0c\u662f\u96c7\u4e3b\u8d5e\u52a9\u7684\u3002\u5c31\u50cf401K\u7b49\uff0c\u662f\u7a0e\u524d\u7684\u94b1\u30022023 \u5e74\uff0cSIMPLE IRA \u7684\u5458\u5de5\u7f34\u6b3e\u4e0a\u9650\u4e3a 15,500 \u7f8e\u5143\uff0c50 \u5c81\u53ca\u4ee5\u4e0a\u7684\u5458\u5de5\u53ef\u989d\u5916\u8865\u7f34 3,500 \u7f8e\u5143\u3002\uff082024 \u5e74\uff0cSIMPLE IRA \u5458\u5de5\u7f34\u6b3e\u9650\u989d\u589e\u81f3 16,000 \u7f8e\u5143\uff0c50 \u5c81\u53ca\u4ee5\u4e0a\u7684\u5458\u5de5\u53ef\u989d\u5916\u8865\u7f34 3,500 \u7f8e\u5143\u3002\uff09<\/p>\n

IRA\u8d26\u6237\u53ef\u7528\u4e8e\u54ea\u4e9b\u7406\u8d22\u65b9\u5f0f\uff1f<\/strong>
\nIRA\uff08\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff09\u8d26\u6237\u63d0\u4f9b\u4e86\u4e00\u4e2a\u7075\u6d3b\u7684\u6846\u67b6\uff0c\u5141\u8bb8\u6295\u8d44\u8005\u6839\u636e\u81ea\u5df1\u7684\u98ce\u9669\u504f\u597d\u3001\u6295\u8d44\u76ee\u6807\u548c\u65f6\u95f4\u8303\u56f4\u8fdb\u884c\u591a\u79cd\u7406\u8d22\u6295\u8d44\u3002IRA\u8d26\u6237\u53ef\u4ee5\u6295\u8d44\u80a1\u7968\u3001\u503a\u5238\u3001\u5171\u540c\u57fa\u91d1\u3001\u503a\u5238\u3001\u5e74\u91d1\u3001\u5b9a\u671f\u5b58\u5355\uff0c\u4ee5\u53ca\u671f\u6743\u7b49\u3002 \u7136\u800c\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0cIRA\u9000\u4f11\u8d26\u6237\u4e0d\u80fd\u8fdb\u884c\u878d\u8d44\u3002
\n1. \u80a1\u7968\u6295\u8d44\uff1a\u76f4\u63a5\u8d2d\u4e70\u4e2a\u80a1\u662f\u4e00\u79cd\u5e38\u89c1\u7684IRA\u6295\u8d44\u65b9\u5f0f\uff0c\u5141\u8bb8\u6295\u8d44\u8005\u6839\u636e\u81ea\u5df1\u5bf9\u516c\u53f8\u524d\u666f\u7684\u5206\u6790\u6765\u9009\u62e9\u6295\u8d44\u5bf9\u8c61\uff0c\u8ffd\u6c42\u957f\u671f\u589e\u957f\u3002
\n2. \u503a\u5238\u6295\u8d44\uff1a\u5305\u62ec\u653f\u5e9c\u503a\u5238\u3001\u4f01\u4e1a\u503a\u5238\u548c\u5e02\u653f\u503a\u5238\u7b49\uff0c\u4e3a\u6295\u8d44\u8005\u63d0\u4f9b\u5b9a\u671f\u7684\u5229\u606f\u6536\u5165\u3002\u6839\u636e\u503a\u5238\u7684\u4e0d\u540c\uff0c\u98ce\u9669\u548c\u56de\u62a5\u7387\u4e5f\u4f1a\u6709\u6240\u4e0d\u540c\u3002
\n3. \u5171\u540c\u57fa\u91d1\u548c\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff08ETFs\uff09\uff1a\u901a\u8fc7\u6295\u8d44\u4e8e\u591a\u79cd\u80a1\u7968\u6216\u503a\u5238\u7684\u7ec4\u5408\uff0c\u5171\u540c\u57fa\u91d1\u548cETFs\u53ef\u4ee5\u63d0\u4f9b\u8d44\u4ea7\u591a\u6837\u5316\u3002\u8fd9\u79cd\u65b9\u6cd5\u53ef\u4ee5\u5e2e\u52a9\u5206\u6563\u98ce\u9669\uff0c\u540c\u65f6\u4f9d\u7136\u80fd\u591f\u8ffd\u6c42\u8d44\u672c\u589e\u503c\u6216\u6536\u5165\u3002
\n4. \u8bc1\u5238\u6295\u8d44\uff1a\u4e00\u4e9bIRA\u8d26\u6237\u5141\u8bb8\u6295\u8d44\u7279\u5b9a\u7684\u6295\u8d44\u7ea7\u503a\u5238\u3001\u5b9a\u671f\u5b58\u6b3e\u8bc1\u5238\u548c\u5176\u4ed6\u8f83\u4e3a\u4fdd\u5b88\u7684\u91d1\u878d\u5de5\u5177\u3002
\n5. \u5b9e\u7269\u8d44\u4ea7\u6295\u8d44\uff1a\u5728\u67d0\u4e9b\u6761\u4ef6\u4e0b\uff0c\u60a8\u4e5f\u53ef\u4ee5\u5728\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u4e2d\u6301\u6709\u623f\u5730\u4ea7\u3002\u4f8b\u5982\uff0c\u60a8\u53ef\u4ee5\u8d2d\u4e70\u5355\u6237\u6216\u591a\u6237\u4f4f\u5b85\uff1b\u516c\u5bd3\u697c\uff1b\u5546\u4e1a\u5730\u4ea7\uff0c\u5982\u96f6\u552e\u5e97\u3001\u9152\u5e97\u3001\u529e\u516c\u697c\u7fa4\u3001\u672a\u5f00\u53d1\u571f\u5730\u548c\u5730\u5757\uff1b\u751a\u81f3\u8239\u4f4d\u3002
\n6. \u8d2d\u4e70\u5e74\u91d1
\nIRA\uff08\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff09\u53ef\u4ee5\u7528\u6765\u8d2d\u4e70\u5e74\u91d1\u3002\u8fd9\u662f\u4e00\u79cd\u7406\u8d22\u89c4\u5212\u7b56\u7565\uff0c\u65e8\u5728\u4e3a\u9000\u4f11\u63d0\u4f9b\u7a33\u5b9a\u7684\u6536\u5165\u6765\u6e90\u3002\u901a\u8fc7IRA\u8d2d\u4e70\u5e74\u91d1\uff0c\u4f60\u53ef\u4ee5\u5c06\u90e8\u5206\u6216\u5168\u90e8\u7684IRA\u8d44\u91d1\u8f6c\u5316\u4e3a\u5e74\u91d1\uff0c\u8fd9\u6837\u505a\u53ef\u4ee5\u4e3a\u4f60\u7684\u9000\u4f11\u751f\u6d3b\u63d0\u4f9b\u4e00\u4e2a\u7a33\u5b9a\u7684\u4fdd\u969c\uff0c\u6709\u52a9\u4e8e\u7ba1\u7406\u9000\u4f11\u671f\u95f4\u7684\u8d44\u91d1\u9700\u6c42\u3002
\n\u5c06IRA\u8d26\u6237\u7528\u4e8e\u8d2d\u4e70\u5e74\u91d1\u53ef\u80fd\u5177\u6709\u7a0e\u52a1\u4e0a\u7684\u4f18\u52bf\uff0c\u56e0\u4e3a\u5e74\u91d1\u7684\u6536\u76ca\u5728\u79ef\u7d2f\u671f\u95f4\u662f\u514d\u7a0e\u7684\uff0c\u76f4\u5230\u4f60\u5f00\u59cb\u63a5\u6536\u652f\u4ed8\u65f6\u624d\u4f1a\u88ab\u5f81\u7a0e\u3002\u8fd9\u6837\u5e26\u6765\u7684\u597d\u5904\u975e\u5e38\u591a\uff0c\u901a\u5e38\u60c5\u51b5\u4e0b\u9000\u4f11\u540e\u7684\u7a0e\u7387\u4f1a\u6bd4\u5de5\u4f5c\u65f6\u5019\u8981\u4f4e\uff1b\u800c\u4e14\u4e0d\u7528\u6bcf\u5e74\u4ea4\u7a0e\uff0c\u5229\u6eda\u5229\u6700\u7ec8\u7684\u6536\u76ca\u4e00\u5b9a\u6bd4\u5e74\u5e74\u4ea4\u7a0e\u8981\u9ad8\u3002
\n\u4e3e\u4f8b\uff1a\u540c\u6837\u4ee5\u4e00\u4f4d40\u5c81\u7684\u5973\u6027\u4e3a\u4f8b\uff0c\u5982\u679c\u8fd9\u4f4d\u5973\u6027\u4ece40\u5c81\u5f00\u59cb\u6bcf\u5e74\u6295\u51657,000\u7f8e\u91d1\u7528\u4e8e\u914d\u7f6e\u5e74\u91d1\u4ea7\u54c1\u6295\u516510\u5e74\uff0c\u8ba9\u8fd9\u4f4d\u5973\u6027\u53ef\u4ee5\u4ece60\u5c81\u9000\u4f11\u540e\u5f00\u59cb\u63d0\u9886\u9000\u4f11\u91d1\uff0c\u5979\u572860\u5c81\u4e4b\u540e\u6bcf\u5e74\u5927\u7ea6\u53ef\u4ee5\u63d0\u98866\u5343\u7f8e\u5143\u7684\u9000\u4f11\u91d1\u81f3\u7ec8\u8eab\uff08\u4fdd\u8bc1\u7684\u4e0b\u9650\uff09\uff0c\u800c\u6309\u7167\u8fd1\u5341\u5e74\u8be5\u4ea7\u54c1\u7684\u5e73\u5747\u6307\u6570\u8868\u73b0\uff0c\u5979\u572860\u5c81\u4e4b\u540e\u6bcf\u5e74\u5927\u7ea6\u53ef\u4ee5\u63d0\u98862.6\u4e07\u7f8e\u5143\u7684\u9000\u4f11\u91d1\u81f3\u7ec8\u8eab\u3002
\n\u540c\u65f6\uff0c\u6709\u7684\u4fdd\u9669\u516c\u53f8\u7684\u5e74\u91d1\u4ea7\u54c1\u8fd8\u62e5\u6709Income Doubler\u7684\u751f\u524d\u798f\u5229\uff1a
\n\u5982\u679c\u88ab\u4fdd\u4eba\u672a\u6765\u9047\u5230\u6d17\u6fa1\u3001\u7a7f\u8863\u3001\u79fb\u52a8\u3001\u5982\u5395\u3001\u5931\u7981\u548c\u8fdb\u98df\u4e2d\u7684\u4e24\u9879\u4e0d\u80fd\u81ea\u7406\uff0c\u8fd9\u4e2a\u4ea7\u54c1\u7684\u4fdd\u8bc1\u63d0\u6b3e\u4f1a\u589e\u52a0\u4e00\u500d\uff0c\u6700\u957f\u53ef\u5141\u8bb8\u63d0\u9886\u81f3\u73b0\u91d1\u4ef7\u503c\u4e3a\u96f6\uff0c\u4e0d\u8d85\u8fc75\u5e74\u3002\u5f53Income Doubler\u7684\u798f\u5229\u4f7f\u7528\u5b8c\u4e4b\u540e\uff0c\u5ba2\u4eba\u8fd8\u662f\u53ef\u4ee5\u7ee7\u7eed\u9886\u53d6\u539f\u672c\u6bcf\u5e74\u7684Lifetime Income \u81f3\u7ec8\u8eab\uff0c\u5373\u4f7f\u73b0\u91d1\u4ef7\u503c\u5df2\u7ecf\u4e3a\u96f6\u3002<\/p>\n

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\"\"<\/p>\n

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