{"id":424443,"date":"2024-06-14T15:12:16","date_gmt":"2024-06-14T22:12:16","guid":{"rendered":"https:\/\/icitynews.com\/?p=424443"},"modified":"2024-06-14T15:12:16","modified_gmt":"2024-06-14T22:12:16","slug":"eza%e8%b4%a2%e7%a8%8e%e5%bf%ab%e9%80%92-%e6%9d%8e%e5%b4%87%e6%ad%a3%e4%bc%9a%e8%ae%a1%e5%b8%88%e5%9c%a8%e7%ba%bf%e8%ae%b2%e5%ba%a7","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=424443","title":{"rendered":"EZA\u8d22\u7a0e\u5feb\u9012 – \u674e\u5d07\u6b63\u4f1a\u8ba1\u5e08\u5728\u7ebf\u8bb2\u5ea7"},"content":{"rendered":"![\"\"](\"https:\/\/icitynews.com\/wp-content\/uploads\/2024\/06\/IMG_0306-4.png\")
\u57ce\u5e02\u65b0\u95fb6\u670814\u65e5\u6d1b\u6749\u77f6\u62a5\uff0c\u81ea\u5f00\u529e\u4ee5\u6765\uff0c\u6536\u5230\u89c2\u4f17\u65e0\u6570\u597d\u8bc4\u53ca\u559c\u7231\uff0c\u611f\u8c22\u5927\u5bb6\u5bf9\u672c\u680f\u76ee\u7684\u652f\u6301\uff01\u57282024\u5e74\uff0c\u6211\u4eec\u5c06\u7ee7\u7eed\u670d\u52a1\u5927\u4f17\uff0c\u53cd\u9988\u793e\u4f1a\u3002\u5728\u6bcf\u6708\u7b2c\u4e00\u4e2a\u5468\u56db\u592a\u5e73\u6d0b\u65f6\u95f4\u4e2d\u534812\u70b9\u534a\u81f31\u70b9\u534a\uff0c\u51c6\u65f6\u5728\u5728\u7ebf\u4e0e\u60a8\u76f8\u7ea6\uff0c\u4e3a\u60a8\u4f20\u9012\u6700\u65b0\u3001\u6700\u70ed\u95e8\u7684\u7a0e\u52a1\u4fe1\u606f\u3002<\/p>\n
\u636e\u7edf\u8ba1\uff0c\u4ece2024\u5e74\u8d77\u52302027\u5e74\uff0c\u7f8e\u56fd\u6bcf\u5e74\u5927\u7ea6\u6709\u56db\u767e\u4e07\u4eba\u5230\u8fbe\u9000\u4f11\u5e74\u9f84\uff0865\u5c81\uff09\u3002\u4e0e\u6b64\u540c\u65f6\uff0c2025\u5e74\u540e\u7a0e\u6cd5\u5c06\u6709\u91cd\u5927\u8c03\u6574\uff0c\u73b0\u5728\u51c6\u5907\u9000\u4f11\u540e\u7684\u8d22\u7a0e\u89c4\u5212\u53d8\u5f97\u8d8a\u6765\u8d8a\u91cd\u8981\u3002\u8bf7\u5317\u7f8e\u534e\u4eba\u4f1a\u8ba1\u5e08\u534f\u4f1a\u7406\u4e8b\u957f\u674e\u5d07\u6b63\u4f1a\u8ba1\u5e08\uff0c\u8bb2\u89e3\u201c\u9000\u4f11\u798f\u5229\u7684\u8d22\u7a0e\u89c4\u5212\u201d\u5982\u4f55\u63d0\u524d\u89c4\u5212\u5f00\u5fc3\u5730\u9000\u4f11\u751f\u6d3b, \u4eab\u53d7\u8d22\u5bcc\u81ea\u7531\u3002<\/p>\n
EZA\u8d22\u7a0e\u5feb\u9012 – Meet CPAs 6\u6708\u8bb2\u5ea7<\/p>\n
\u65e5\u671f\u548c\u65f6\u95f4\uff1a 6\u67086\u65e5\uff0c\u7f8e\u897f\u65f6\u95f412:30pm – 1:30pm<\/p>\n
\u8bb2\u5ea7\u5185\u5bb9\uff1a\u5728\u7ebf\u4e3a\u60a8\u8bb2\u89e3\u6700\u65b0\u7a0e\u6cd5\u77e5\u8bc6\u53ca\u66f4\u65b0<\/p>\n
\u4e3b\u8bb2\u5609\u5bbe\uff1a\u674e\u5d07\u6b63\u4f1a\u8ba1\u5e08 Edward Lee, CPA \/ \u5317\u7f8e\u534e\u4eba\u4f1a\u8ba1\u5e08\u534f\u4f1a\u7406\u4e8b\u957f \/ \u674e\u5d07\u6b63\u4f1a\u8ba1\u5e08\u4e8b\u52a1\u6240\u8d1f\u8d23\u4eba<\/p>\n
\u672c\u671f\u8bb2\u5ea7\u6db5\u76d6\u7684\u4e3b\u9898\uff1a\u9000\u4f11\u798f\u5229\u7684\u8d22\u7a0e\u89c4\u5212![\"\"](\"https:\/\/icitynews.com\/wp-content\/uploads\/2024\/06\/\u56fe\u724719-1-800x446.jpg\")
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\u9000\u4f11\u89c4\u5212\u662f\u4eba\u751f\u6700\u91cd\u8981\u7684\u89c4\u5212\u4e4b\u4e00\uff0c\u4e86\u89e3\u9000\u4f11\u91d1\u7684\u4e3b\u8981\u6765\u6e90\u662f\u6210\u529f\u9000\u4f11\u89c4\u5212\u7684\u5173\u952e\u3002\u9000\u4f11\u91d1\u4e3b\u8981\u6765\u81ea\u4ee5\u4e0b\u51e0\u4e2a\u5730\u65b9\uff1a<\/p>\n
\u793e\u5b89\u91d1\uff08Social Security\uff09\uff1a \u8fd9\u662f\u5927\u591a\u6570\u7f8e\u56fd\u9000\u4f11\u4eba\u5458\u7684\u4e3b\u8981\u6536\u5165\u6765\u6e90\u4e4b\u4e00\u3002\u793e\u4f1a\u4fdd\u969c\u91d1\u989d\u53d6\u51b3\u4e8e\u60a8\u5de5\u4f5c\u65f6\u7684\u6536\u5165\u548c\u7f34\u7eb3\u7684\u793e\u4f1a\u4fdd\u969c\u7a0e\u91d1\u3002<\/p>\n
\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff08IRA\uff09\u548c401(k)\uff1a \u8fd9\u4e9b\u662f\u6700\u5e38\u89c1\u7684\u9000\u4f11\u50a8\u84c4\u5de5\u5177\u3002IRA\u548c401(k)\u8ba1\u5212\u63d0\u4f9b\u7a0e\u6536\u4f18\u60e0\uff0c\u5e2e\u52a9\u60a8\u79ef\u7d2f\u9000\u4f11\u8d44\u91d1\u3002<\/p>\n
\u516c\u53f8\u9000\u4f11\u8ba1\u5212\uff08Pension Plans\uff09\uff1a \u4e00\u4e9b\u516c\u53f8\u63d0\u4f9b\u56fa\u5b9a\u798f\u5229\u7684\u9000\u4f11\u8ba1\u5212\uff0c\u8fd9\u4e9b\u8ba1\u5212\u6309\u6708\u652f\u4ed8\u9000\u4f11\u91d1\uff0c\u91d1\u989d\u53d6\u51b3\u4e8e\u60a8\u7684\u5de5\u8d44\u548c\u5de5\u4f5c\u5e74\u9650\u3002<\/p>\n
\u4e2a\u4eba\u6295\u8d44\uff1a \u80a1\u7968\u3001\u503a\u5238\u3001\u5171\u540c\u57fa\u91d1\u548c\u623f\u5730\u4ea7\u7b49\u6295\u8d44\u4e5f\u53ef\u4ee5\u6210\u4e3a\u9000\u4f11\u6536\u5165\u7684\u91cd\u8981\u6765\u6e90\u3002<\/p>\n
\u50a8\u84c4\u548c\u5e94\u6025\u57fa\u91d1\uff1a \u5b9a\u671f\u5b58\u6b3e\u548c\u5e94\u6025\u50a8\u84c4\u53ef\u4ee5\u4e3a\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u63d0\u4f9b\u989d\u5916\u7684\u8d22\u52a1\u652f\u6301\u3002<\/p>\n
\u674e\u4f1a\u8ba1\u5e08\u6b64\u6b21\u8bb2\u5ea7\u4e3b\u8981\u662f\u96c6\u4e2d\u5728\u793e\u5b89\u91d1\u7684\u6df1\u5165\u4e86\u89e3\u548c\u89c4\u5212<\/p>\n
\u793e\u5b89\u5c40\u798f\u5229\u7684\u7c7b\u578b<\/p>\n
\u9000\u4f11\u798f\u5229 – \u7eb3\u7a0e\u4eba\u3001\u914d\u5076\u548c\u672a\u6210\u5e74\u5b50\u5973<\/p>\n
\u6b8b\u75be\u798f\u5229<\/p>\n
\u9057\u5c5e\u798f\u5229<\/p>\n
\u8865\u5145\u4fdd\u969c\u6536\u5165\uff08SSI\uff09 – \u5bf9\u4e8e\u4f4e\u6536\u5165\u3001\u8d44\u6e90\u5c11\u4e14\u5e74\u6ee165\u5c81\u6216\u4ee5\u4e0a\u7684\u4eba\u7b49<\/p>\n
\u7279\u6b8a\u6700\u4f4e\u798f\u5229 PIA<\/p>\n
\u8fd9\u4e9b\u662f\u7f8e\u56fd\u793e\u4f1a\u4fdd\u969c\u4f53\u7cfb\u63d0\u4f9b\u7684\u4e3b\u8981\u798f\u5229\u7c7b\u578b\uff0c\u6db5\u76d6\u4e86\u9000\u4f11\u4eba\u5458\u3001\u6b8b\u75be\u4eba\u548c\u9057\u5c5e\u7684\u8d22\u52a1\u652f\u6301\uff0c\u4ee5\u53ca\u5bf9\u4f4e\u6536\u5165\u4eba\u7fa4\u7684\u8865\u5145\u4fdd\u969c\u6536\u5165\u3002<\/p>\n
\u793e\u5b89\u5c40\u914d\u5076\u798f\u5229<\/p>\n
\u76ee\u524d\u7684\u914d\u5076\u548c\u524d\u914d\u5076\u5747\u6709\u8d44\u683c<\/p>\n
\u60a8\u5fc5\u987b\u5e74\u6ee162\u5c81\u624d\u80fd\u7533\u8bf7\u6216\u83b7\u5f97\u914d\u5076\u798f\u5229<\/p>\n
\u60a8\u7684\u914d\u5076\u5fc5\u987b\u5148\u62e5\u6709\u798f\u5229<\/p>\n
\u7533\u8bf7\u914d\u5076\u798f\u5229\u4e0d\u4f1a\u51cf\u5c11\u6216\u6539\u53d8\u914d\u5076\u53ef\u80fd\u83b7\u5f97\u7684\u91d1\u989d![\"\"](\"https:\/\/icitynews.com\/wp-content\/uploads\/2024\/06\/b9e9ee2bde2272438d5f57972afd4cf-800x292.jpg\")
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2024\u5e74\u7684\u793e\u4f1a\u4fdd\u969c\u91cd\u8981\u4fe1\u606f<\/p>\n
\u4e00\u5b63\u5ea6\u7684\u5de5\u4f5c\u79ef\u5206\uff08Quarter of Coverage\uff09\u4e3a $1,730\uff08\u6bcf\u5e74\u6700\u591a\u53ef\u4ee5\u83b7\u5f974\u70b9\uff09\u3002<\/p>\n
2024\u5e74\u793e\u4f1a\u4fdd\u969c\u5de5\u8d44\u4e0a\u9650\u4e3a $168,600\u3002\uff08\u793e\u4f1a\u4fdd\u969c\u7a0e\u7387\u4e3a6.2%\uff0c\u533b\u7597\u4fdd\u9669\u7a0e\u7387\u4e3a1.45%\uff0c\u5408\u8ba1\u7a0e\u7387\u4e3a7.65%\uff09<\/p>\n
2024\u5e74\uff0c\u5728\u8fbe\u5230\u5168\u989d\u9000\u4f11\u5e74\u9f84\u4e4b\u524d\u7684\u5e74\u5ea6\u6536\u5165\u9650\u989d\u4e3a $22,320\u3002\uff08\u8d85\u8fc7\u90e8\u5206\u6bcf\u8d5a2\u7f8e\u5143\u6263\u51cf1\u7f8e\u5143\u7684\u798f\u5229\uff09<\/p>\n
\u9000\u4f11\u91d1\u4fe1\u606f<\/p>\n
\u76ee\u524d\u5168\u989d\u9000\u4f11\u5e74\u9f84\uff0867\u5c81\uff09\u6bcf\u6708\u6700\u9ad8\u53ef\u9886 $3,822\u3002<\/p>\n
\u5982\u679c\u5ef6\u523070\u5c81\u624d\u9886\u53d6\uff0c\u5219\u6bcf\u6708\u6700\u9ad8\u4e3a $4,873\u3002<\/p>\n
\u751f\u6d3b\u6210\u672c\u8c03\u6574\uff08COLA\uff09\uff1a 3.2%<\/p>\n
\u793e\u4f1a\u4fdd\u969c\u8d44\u683c\u6240\u9700\u79ef\u5206<\/p>\n
\u901a\u5e38\uff0c\u60a8\u9700\u898140\u4e2a\u79ef\u5206\uff0c\u5176\u4e2d\u670920\u4e2a\u79ef\u5206\u5fc5\u987b\u662f\u5728\u6700\u540e10\u5e74\u5185\u83b7\u5f97\uff0c\u5e76\u4e14\u7ed3\u675f\u4e8e\u60a8\u6210\u4e3a\u6b8b\u75be\u7684\u90a3\u4e00\u5e74\u3002\u7136\u800c\uff0c\u5e74\u8f7b\u7684\u5de5\u4eba\u53ef\u4ee5\u7528\u8f83\u5c11\u7684\u79ef\u5206\u83b7\u5f97\u8d44\u683c\u3002<\/p>\n
24\u5c81\u4ee5\u4e0b\uff1a \u5982\u679c\u60a8\u5728\u6b8b\u75be\u5f00\u59cb\u7684\u4e09\u5e74\u5185\u83b7\u5f97\u4e86\u516d\u4e2a\u79ef\u5206\uff0c\u60a8\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97\u793e\u4f1a\u4fdd\u969c\u798f\u5229\u3002<\/p>\n
\u8fd9\u4e9b\u4fe1\u606f\u8bf4\u660e\u4e86\u4e0d\u540c\u5e74\u9f84\u6bb5\u83b7\u5f97\u793e\u4f1a\u4fdd\u969c\u8d44\u683c\u6240\u9700\u7684\u79ef\u5206\u8981\u6c42\u3002<\/p>\n
\u5f71\u54cd\u6bcf\u6708\u53ef\u4ee5\u9886\u53d6\u793e\u4f1a\u4fdd\u969c\u91d1\u6700\u9ad8\u91d1\u989d\u4e4b\u4e3b\u8981\u56e0\u7d20<\/p>\n
\u5de5\u4f5c\u5386\u53f2\uff08Work history\uff09\uff1a \u662f\u5426\u6709\u81f3\u5c1135\u5e74\u7684\u5de5\u4f5c\u5e74\u8d44\u3002<\/p>\n
\u6536\u5165\u5386\u53f2\uff08Earnings history\uff09\uff1a \u6bcf\u4e00\u5e74\u7684\u793e\u4f1a\u4fdd\u969c\u5de5\u4f5c\u6536\u5165\u7684\u9ad8\u4f4e\u3002<\/p>\n
\u5168\u989d\u9000\u4f11\u5e74\u9f84\uff08Full retirement age\uff09\uff1a \u8fbe\u5230\u53ef\u9886\u5168\u989d\u9000\u4f11\u91d1\u7684\u5e74\u9f84\u3002<\/p>\n
\u7533\u8bf7\u5e74\u9f84\uff08Claiming age\uff09\uff1a \u51b3\u5b9a\u5f00\u59cb\u9886\u53d6\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u5e74\u9f84\u3002<\/p>\n
\u4e09\u4e2a\u66f2\u7ebf\u8f6c\u6298\u70b9\u548c\u767e\u5206\u6bd4\uff08Three Bend Points and Percentages\uff09\uff1a \u6839\u636e\u60a8\u7684\u8c03\u6574\u540e\u5e73\u5747\u6708\u6536\u5165\uff08AIME\uff09\u8ba1\u7b97\u793e\u4f1a\u4fdd\u969c\u91d1\u989d\u3002<\/p>\n
\u751f\u6d3b\u6210\u672c\u8c03\u6574\uff08Cost of Living Adjustment\uff0cCOLA\uff09\uff1a \u6839\u636e\u901a\u8d27\u81a8\u80c0\u7387\u8c03\u6574\u793e\u4f1a\u4fdd\u969c\u91d1\u989d\u3002<\/p>\n
\u8fd9\u4e9b\u56e0\u7d20\u5171\u540c\u51b3\u5b9a\u4e86\u60a8\u6bcf\u6708\u53ef\u4ee5\u9886\u53d6\u7684\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u6700\u9ad8\u91d1\u989d\u3002<\/p>\n
\u793e\u5b89\u91d1\u5982\u4f55\u8ba1\u7b97 ?<\/p>\n
\u6536\u5165\u8ba1\u7b97\uff1a<\/p>\n
\u9996\u5148\uff0c\u5c06\u60a835\u4e2a\u7f34\u4ea4\u793e\u5b89\u7a0e\u6700\u591a\u7684\u5e74\u6536\u5165\u52a0\u5728\u4e00\u8d77\uff0c\u5e76\u4e58\u4ee5\u4e00\u4e2a\u901a\u8d27\u81a8\u80c0\u56e0\u5b50\uff0c\u4ee5\u8c03\u6574\u901a\u8d27\u81a8\u80c0\u7684\u5f71\u54cd\u3002<\/p>\n
\u5e73\u5747\u6307\u6570\u6708\u6536\u5165\uff08AIME\uff09\u7684\u8ba1\u7b97\uff1a<\/p>\n
\u7136\u540e\uff0c\u5c06\u8fd9\u4e9b\u8c03\u6574\u540e\u7684\u6536\u5165\u603b\u548c\u9664\u4ee5420\uff08\u537335\u5e74\u7684\u6708\u6570\uff09\uff0c\u4ee5\u7b97\u51fa\u60a8\u7684\u5e73\u5747\u6307\u6570\u6708\u6536\u5165\uff08Average Indexed Monthly Earnings\uff0c\u7b80\u79f0AIME\uff09\u3002<\/p>\n
\u798f\u5229\u8ba1\u7b97\u516c\u5f0f\uff1a<\/p>\n
\u63a5\u7740\uff0c\u5229\u7528\u4e00\u4e2a\u7279\u5b9a\u7684\u798f\u5229\u8ba1\u7b97\u516c\u5f0f\uff0c\u5c06\u60a8\u7684AIME\u8f6c\u6362\u4e3a\u53ef\u9886\u53d6\u7684\u793e\u4f1a\u4fdd\u969c\u91d1\u989d\u3002\u8fd9\u4e2a\u516c\u5f0f\u6d89\u53ca\u5230\u4e09\u4e2a\u66f2\u7ebf\u8f6c\u6298\u70b9\uff08bend points\uff09\uff0c\u5bf9\u5e94\u4e0d\u540c\u6536\u5165\u6bb5\u7684\u767e\u5206\u6bd4\u8ba1\u7b97\u3002<\/p>\n
\u5de5\u4f5c\u5e74\u9650\u4e0d\u8db3\uff1a<\/p>\n
\u5982\u679c\u60a8\u53ea\u5de5\u4f5c\u4e86\u5341\u5e74\uff0c\u90a3\u4e48\u4e0d\u8db3\u768425\u5e74\u5c06\u4ee5\u96f6\u6536\u5165\u8ba1\u7b97\uff0c\u81ea\u7136\u4f1a\u964d\u4f4e\u60a8\u7684\u9000\u4f11\u91d1\u989d\u3002<\/p>\n
\u8fd9\u6837\u7684\u8ba1\u7b97\u65b9\u6cd5\u65e8\u5728\u6839\u636e\u60a8\u7684\u5386\u53f2\u6536\u5165\u548c\u5de5\u4f5c\u5e74\u9650\u6765\u786e\u5b9a\u60a8\u7684\u793e\u4f1a\u4fdd\u969c\u91d1\u989d\u3002\u5982\u679c\u60a8\u6709\u66f4\u591a\u5e74\u6570\u7684\u9ad8\u6536\u5165\u5de5\u4f5c\u8bb0\u5f55\uff0c\u60a8\u7684AIME\u5c06\u8f83\u9ad8\uff0c\u8fdb\u800c\u63d0\u9ad8\u60a8\u7684\u9000\u4f11\u91d1\u989d\u3002<\/p>\n
\u4ee5\u4e0b\u662f\u4ee51960\u5e74\u548c\u4e4b\u540e\u51fa\u751f\u7684\u4eba\uff0c67\u5c81\u4e3a\u5168\u989d\u9000\u4f11\u5e74\u9f84\uff08full retirement age\uff09\u7684\u524d\u63d0\u4e0b\uff0c\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u8be6\u7ec6\u4fe1\u606f\u548c\u8003\u91cf\u56e0\u7d20\uff1a<\/p>\n
\n- \u6700\u4f73\u4e0e\u6700\u5dee\u7684\u9886\u53d6\u5e74\u9f84\uff1a<\/li>\n<\/ol>\n
62\u5c81\uff08\u9886\u53d670%\uff09\u548c63\u5c81\uff08\u9886\u53d675%\uff09\u662f\u6700\u5dee\u7684\u9886\u53d6\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u5e74\u9f84\uff1b<\/p>\n
68\u300169\u548c70\u5c81\u662f\u6700\u4f73\u7684\u9886\u53d6\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u5e74\u9f84\uff08\u6bcf\u5e74\u589e\u52a08%\uff09\u3002<\/p>\n
\n- \u9886\u53d6\u793e\u5b89\u91d1\u7684\u76ee\u6807\uff1a<\/li>\n<\/ol>\n
\u51b3\u5b9a\u4f55\u65f6\u5f00\u59cb\u9886\u53d6\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u4e3b\u8981\u76ee\u6807\u662f\u8003\u8651\u5982\u4f55\u624d\u80fd\u53d6\u5f97\u4e00\u751f\u6700\u591a\u7684\u793e\u4f1a\u4fdd\u969c\u91d1\u603b\u989d\u3002\u4f46\u7531\u4e8e\u65e0\u6cd5\u9884\u5148\u786e\u77e5\u4e2a\u4eba\u4f55\u65f6\u4f1a\u53bb\u4e16\uff0c\u56e0\u6b64\u65e0\u6cd5\u51c6\u786e\u51b3\u5b9a\u4f55\u65f6\u624d\u662f\u6700\u4f73\u5f00\u59cb\u9886\u53d6\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u65f6\u673a\u3002<\/p>\n
\n- \u5f71\u54cd\u9886\u53d6\u7684\u4e2a\u4eba\u56e0\u7d20\uff1a<\/li>\n<\/ol>\n
\u653f\u5e9c\u57fa\u672c\u4e0a\u6839\u636e\u4eba\u5bff\u5927\u6570\u6cd5\u5219\u6765\u7cbe\u7b97\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u7ed9\u4ed8\u91d1\u989d\uff0c\u4f46\u4e2a\u522b\u53d7\u76ca\u4eba\u53ef\u4ee5\u4ece\u4ee5\u4e0b\u4e09\u4e2a\u56e0\u7d20\u6765\u89c4\u5212\u9886\u53d6\u8003\u91cf\uff1a<\/p>\n
\u8d22\u52a1\u9700\u8981<\/p>\n
\u5a5a\u59fb\/\u5c0f\u5b69\u72b6\u51b5<\/p>\n
\u5065\u5eb7\u60c5\u5f62\u548c\u4e2a\u4eba\u7684\u7a0e\u52a1\u72b6\u51b5<\/p>\n
\u793e\u5b89\u91d1\u7701\u7a0e\u65b9\u6cd5<\/p>\n
Roth \u8f6c\u6362\uff1a<\/p>\n
\u5c06\u4f20\u7edf IRA \u6216 401(k) \u8d44\u91d1\u8f6c\u6362\u6210 Roth IRA\u3002\u8fd9\u6837\uff0cRoth IRA \u63d0\u6b3e\u5728\u9000\u4f11\u65f6\u662f\u514d\u7a0e\u7684\uff0c\u5e76\u4e14\u4e0d\u4f1a\u5f71\u54cd\u60a8\u7684\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u5e94\u7a0e\u90e8\u5206\u3002<\/p>\n
\u6df7\u5408\u63d0\u6b3e\uff1a<\/p>\n
\u4ece\u50a8\u84c4\u8d26\u6237\u548c\u793e\u4f1a\u4fdd\u969c\u91d1\u6df7\u5408\u63d0\u6b3e\u3002\u901a\u8fc7\u63a7\u5236\u6bcf\u5e74\u7684\u5e94\u7a0e\u6536\u5165\uff0c\u53ef\u4ee5\u4fdd\u6301\u5728\u8f83\u4f4e\u7684\u7a0e\u7387\u8303\u56f4\u5185\uff0c\u4ece\u800c\u51cf\u5c11\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u7a0e\u8d1f\u3002<\/p>\n
\u65f6\u673a\u63a7\u5236\uff1a<\/p>\n
\u6709\u8ba1\u5212\u5730\u5b89\u6392\u989d\u5916\u7684\u9000\u4f11\u91d1\u63d0\u6b3e\u3002\u5728\u67d0\u4e9b\u5e74\u4efd\u4e2d\u907f\u514d\u5927\u91cf\u63d0\u6b3e\uff0c\u8fd9\u6837\u53ef\u4ee5\u51cf\u5c11\u60a8\u7684\u5e94\u7a0e\u6536\u5165\uff0c\u4ece\u800c\u51cf\u5c11\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u5e94\u7a0e\u90e8\u5206\u3002<\/p>\n
\u5177\u4f53\u6b65\u9aa4<\/p>\n
\u8fdb\u884c Roth \u8f6c\u6362\uff1a<\/p>\n
\u5206\u9636\u6bb5\u5c06\u4f20\u7edf IRA \u6216 401(k) \u7684\u90e8\u5206\u8d44\u91d1\u8f6c\u6362\u5230 Roth IRA \u4e2d\u3002\u8fd9\u6837\u53ef\u4ee5\u5206\u6563\u7a0e\u8d1f\uff0c\u907f\u514d\u4e00\u6b21\u6027\u5927\u91cf\u7a0e\u6b3e\u652f\u4ed8\u3002<\/p>\n
\u8f6c\u6362\u540e\u7684 Roth IRA \u63d0\u6b3e\u5728\u9000\u4f11\u65f6\u662f\u514d\u7a0e\u7684\uff0c\u8fd9\u6709\u52a9\u4e8e\u51cf\u5c11\u5e94\u7a0e\u6536\u5165\u3002<\/p>\n
\u6df7\u5408\u63d0\u6b3e\u7b56\u7565\uff1a<\/p>\n
\u6bcf\u5e74\u8ba1\u5212\u4ece\u50a8\u84c4\u8d26\u6237\u63d0\u53d6\u4e00\u5b9a\u91d1\u989d\u7684\u8d44\u91d1\uff0c\u540c\u65f6\u4ece\u793e\u4f1a\u4fdd\u969c\u91d1\u4e2d\u63d0\u6b3e\u3002\u8fd9\u6837\u53ef\u4ee5\u4fdd\u6301\u603b\u6536\u5165\u5728\u4e00\u4e2a\u8f83\u4f4e\u7684\u8303\u56f4\u5185\u3002<\/p>\n
\u901a\u8fc7\u5408\u7406\u5206\u914d\u50a8\u84c4\u8d26\u6237\u548c\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u63d0\u6b3e\u6bd4\u4f8b\uff0c\u53ef\u4ee5\u6709\u6548\u63a7\u5236\u5e94\u7a0e\u6536\u5165\uff0c\u51cf\u5c11\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u5e94\u7a0e\u90e8\u5206\u3002<\/p>\n
\u63a7\u5236\u9000\u4f11\u91d1\u63d0\u6b3e\u7684\u65f6\u95f4\uff1a<\/p>\n
\u6709\u8ba1\u5212\u5730\u5b89\u6392\u989d\u5916\u7684\u9000\u4f11\u91d1\u63d0\u6b3e\uff0c\u907f\u514d\u5728\u540c\u4e00\u5e74\u5185\u6709\u8fc7\u591a\u7684\u6536\u5165\u6765\u6e90\u3002<\/p>\n
\u5728\u6536\u5165\u8f83\u4f4e\u7684\u5e74\u4efd\u5185\u8fdb\u884c\u989d\u5916\u63d0\u6b3e\uff0c\u4ece\u800c\u51cf\u5c11\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u7a0e\u8d1f\u3002<\/p>\n
\u901a\u8fc7\u8fd9\u4e9b\u65b9\u6cd5\uff0c\u60a8\u53ef\u4ee5\u6709\u6548\u5730\u51cf\u5c11\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u7a0e\u8d1f\uff0c\u4ece\u800c\u6700\u5927\u5316\u60a8\u7684\u9000\u4f11\u6536\u5165\u3002<\/p>\n
\u4ee5\u4e0b\u662f\u4ee51960\u5e74\u548c\u4e4b\u540e\u51fa\u751f\u7684\u4eba\uff0c67\u5c81\u4e3a\u5168\u989d\u9000\u4f11\u5e74\u9f84\uff08full retirement age\uff09\u7684\u524d\u63d0\u4e0b\uff0c\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u8be6\u7ec6\u4fe1\u606f\u548c\u8003\u91cf\u56e0\u7d20\uff1a<\/p>\n
\n- \u6700\u4f73\u4e0e\u6700\u5dee\u7684\u9886\u53d6\u5e74\u9f84\uff1a<\/li>\n<\/ol>\n
62\u5c81\uff08\u9886\u53d670%\uff09\u548c63\u5c81\uff08\u9886\u53d675%\uff09\u662f\u6700\u5dee\u7684\u9886\u53d6\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u5e74\u9f84\uff1b<\/p>\n
68\u300169\u548c70\u5c81\u662f\u6700\u4f73\u7684\u9886\u53d6\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u5e74\u9f84\uff08\u6bcf\u5e74\u589e\u52a08%\uff09\u3002<\/p>\n
\n- \u9886\u53d6\u793e\u5b89\u91d1\u7684\u76ee\u6807\uff1a<\/li>\n<\/ol>\n
\u51b3\u5b9a\u4f55\u65f6\u5f00\u59cb\u9886\u53d6\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u4e3b\u8981\u76ee\u6807\u662f\u8003\u8651\u5982\u4f55\u624d\u80fd\u53d6\u5f97\u4e00\u751f\u6700\u591a\u7684\u793e\u4f1a\u4fdd\u969c\u91d1\u603b\u989d\u3002\u4f46\u7531\u4e8e\u65e0\u6cd5\u9884\u5148\u786e\u77e5\u4e2a\u4eba\u4f55\u65f6\u4f1a\u53bb\u4e16\uff0c\u56e0\u6b64\u65e0\u6cd5\u51c6\u786e\u51b3\u5b9a\u4f55\u65f6\u624d\u662f\u6700\u4f73\u5f00\u59cb\u9886\u53d6\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u65f6\u673a\u3002<\/p>\n
\n- \u5f71\u54cd\u9886\u53d6\u7684\u4e2a\u4eba\u56e0\u7d20\uff1a<\/li>\n<\/ol>\n
\u653f\u5e9c\u57fa\u672c\u4e0a\u6839\u636e\u4eba\u5bff\u5927\u6570\u6cd5\u5219\u6765\u7cbe\u7b97\u793e\u4f1a\u4fdd\u969c\u91d1\u7684\u7ed9\u4ed8\u91d1\u989d\uff0c\u4f46\u4e2a\u522b\u53d7\u76ca\u4eba\u53ef\u4ee5\u4ece\u4ee5\u4e0b\u4e09\u4e2a\u56e0\u7d20\u6765\u89c4\u5212\u9886\u53d6\u8003\u91cf\uff1a<\/p>\n
\u8d22\u52a1\u9700\u8981<\/p>\n
\u5a5a\u59fb\/\u5c0f\u5b69\u72b6\u51b5<\/p>\n
\u5065\u5eb7\u60c5\u5f62\u548c\u4e2a\u4eba\u7684\u7a0e\u52a1\u72b6\u51b5<\/p>\n
\u63d0\u793a\uff1a\u5982\u679c\u60a8\u8ba1\u5212\u5728\u7f8e\u56fd\u4ee5\u5916\u751f\u6d3b<\/p>\n
\u7533\u8bf7\u798f\u5229\uff1a<\/p>\n
\u60a8\u53ef\u4ee5\u8f7b\u677e\u901a\u8fc7\u793e\u4f1a\u4fdd\u969c\u5c40\uff08SSA\uff09\u4e3a\u9000\u4f11\u4eba\u5458\u63d0\u4f9b\u7684\u5728\u7ebf\u8d26\u6237\u7533\u8bf7\u798f\u5229\u3002\u7136\u800c\uff0c\u5f00\u8bbe\u8be5\u5728\u7ebf\u8d26\u6237\u9700\u8981\u63d0\u4f9b\u7f8e\u56fd\u5730\u5740\u3002<\/p>\n
\u9000\u4f11\u4eba\u5458\u5e94\u5728\u642c\u51fa\u56fd\u524d\u7533\u8bf7\u798f\u5229\u3002\u5982\u679c\u60a8\u5728\u642c\u51fa\u56fd\u524d\u672a\u80fd\u5f00\u8bbe\u793e\u4f1a\u4fdd\u969c\u8d26\u6237\uff0c\u5c06\u65e0\u6cd5\u5728\u7ebf\u7533\u8bf7\uff0c\u800c\u9700\u8981\u8bbf\u95ee\u7f8e\u56fd\u5927\u4f7f\u9986\u7684\u8054\u90a6\u798f\u5229\u529e\u516c\u5ba4\u3002<\/p>\n
\u94f6\u884c\u8d26\u6237\uff1a<\/p>\n
\u5efa\u8bae\u4e0d\u8981\u5c06\u793e\u4f1a\u4fdd\u969c\u91d1\u5b58\u5165\u5916\u56fd\u94f6\u884c\u8d26\u6237\uff0c\u56e0\u4e3a\u60a8\u53ef\u80fd\u65e0\u6cd5\u83b7\u5f97\u6700\u4f73\u6c47\u7387\u3002\u4e3a\u4e86\u83b7\u5f97\u6700\u5927\u56de\u62a5\uff0c\u60a8\u9700\u8981\u521b\u5efa\u5e76\u4fdd\u7559\u4e00\u4e2a\u7f8e\u56fd\u8d26\u6237\u3002\u8fd9\u6837\uff0c\u60a8\u53ef\u4ee5\u5c06\u7f8e\u5143\u8ba1\u4ef7\u7684\u793e\u4f1a\u4fdd\u969c\u652f\u7968\u5b58\u5165\u7f8e\u56fd\u8d26\u6237\uff0c\u7136\u540e\u5728\u6c47\u7387\u6709\u5229\u65f6\u5c06\u91d1\u989d\u8f6c\u5165\u5916\u56fd\u8d26\u6237\u3002<\/p>\n
\u5916\u7c4d\u914d\u5076\uff1a<\/p>\n
\u5bf9\u4e8e\u5916\u7c4d\u4eba\u58eb\u6765\u8bf4\uff0c\u91cd\u8981\u7684\u4e00\u70b9\u662f\uff0c\u5916\u7c4d\u914d\u5076\u5373\u4f7f\u6ca1\u6709\u7f8e\u56fd\u7684\u5de5\u4f5c\u8bb0\u5f55\uff0c\u4e5f\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97\u914d\u5076\u798f\u5229\u3002<\/p>\n
\u5e0c\u671b\u8fd9\u4e9b\u63d0\u793a\u80fd\u5e2e\u52a9\u60a8\u5728\u56fd\u5916\u751f\u6d3b\u65f6\u987a\u5229\u7ba1\u7406\u60a8\u7684\u793e\u4f1a\u4fdd\u969c\u798f\u5229\u3002<\/p>\n
\u674e\u5d07\u6b63\u4f1a\u8ba1\u5e08 “\u9000\u4f11\u798f\u5229\u7684\u8d22\u7a0e\u89c4\u5212 – \u793e\u5b89\u91d1” \u8bb2\u5ea7\u603b\u7ed3 :<\/p>\n
\u5728\u8fd9\u4e00\u5c0f\u65f6\u7684\u8bb2\u5ea7\u4e2d\uff0c\u674e\u5d07\u6b63\u4f1a\u8ba1\u5e08\u51ed\u501f\u5176\u8d85\u8fc730\u5e74\u7684\u4f1a\u8ba1\u5e08\u7ecf\u9a8c\uff0c\u4e3a\u542c\u4f17\u8be6\u7ec6\u8bb2\u89e3\u4e86\u793e\u5b89\u91d1\u7684\u53d8\u5316\u53ca\u8ba1\u7b97\u65b9\u6cd5\u3002\u4ed6\u901a\u8fc7\u516c\u5f0f\u6f14\u7b97\uff0c\u8ba9\u542c\u4f17\u6df1\u5165\u4e86\u89e3\u5982\u4f55\u5229\u7528\u793e\u5b89\u91d1\u6765\u8fdb\u884c\u8d22\u52a1\u89c4\u5212\u3002<\/p>\n
\u8bb2\u5ea7\u91cd\u70b9\uff1a<\/p>\n
\u793e\u5b89\u91d1\u53d8\u5316\u4e0e\u8ba1\u7b97\uff1a<\/p>\n
\u900f\u8fc7\u516c\u5f0f\u6f14\u7b97\uff0c\u8ba9\u542c\u4f17\u4e86\u89e3\u793e\u5b89\u91d1\u7684\u8ba1\u7b97\u65b9\u5f0f\u53ca\u5176\u53d8\u5316\u3002<\/p>\n
\u8d22\u52a1\u72b6\u51b5\u8ba4\u8bc6\uff1a<\/p>\n
\u5f3a\u8c03\u5728\u7f8e\u56fd\u751f\u6d3b\u5e94\u4e86\u89e3\u81ea\u8eab\u8d22\u52a1\u72b6\u51b5\u7684\u91cd\u8981\u6027\u3002<\/p>\n
\u8282\u7a0e\u3001\u5ef6\u7a0e\u4e0e\u514d\u7a0e\u7b56\u7565\uff1a<\/p>\n
\u4ecb\u7ecd\u5404\u79cd\u8282\u7a0e\u3001\u5ef6\u7a0e\u3001\u514d\u7a0e\u7684\u65b9\u6cd5\uff0c\u5e2e\u52a9\u542c\u4f17\u6700\u5927\u5316\u8d22\u52a1\u6536\u76ca\u3002<\/p>\n
\u79fb\u5c45\u5b89\u6392\uff1a<\/p>\n
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