{"id":367,"date":"2024-01-12T15:23:05","date_gmt":"2024-01-12T20:23:05","guid":{"rendered":"https:\/\/lttax.services\/ch\/?p=367"},"modified":"2024-08-06T20:04:07","modified_gmt":"2024-08-07T00:04:07","slug":"%e8%87%aa%e9%9b%87%e4%ba%ba%e5%a3%ab%e5%b8%b8%e7%94%a8%e7%9a%84%e9%80%80%e4%bc%91%e8%ae%a1%e5%88%92","status":"publish","type":"post","link":"https:\/\/lttax.services\/ch\/%e4%bf%a1%e6%81%af%e5%88%86%e4%ba%ab\/%e8%87%aa%e9%9b%87%e4%ba%ba%e5%a3%ab%e5%b8%b8%e7%94%a8%e7%9a%84%e9%80%80%e4%bc%91%e8%ae%a1%e5%88%92\/","title":{"rendered":"\u81ea\u96c7\u4eba\u58eb\u5e38\u7528\u7684\u9000\u4f11\u8ba1\u5212"},"content":{"rendered":"\n<p>\u81ea\u96c7\u4eba\u58eb\u5f80\u5f80\u4e0e\u5e38\u89c1\u7684401(k), 403(b)\u7b49\u9000\u4f11\u8d26\u6237\u65e0\u7f18\uff0c\u8981\u50a8\u84c4\u9000\u4f11\u91d1\uff0c\u540c\u65f6\u8fd8\u8981\u83b7\u5f97\u76f8\u5e94\u7684\u7a0e\u52a1\u4f18\u60e0\uff0c\u5c31\u5f97\u53e6\u8f9f\u8e4a\u5f84\uff0c\u81ea\u8c0b\u51fa\u8def\u3002\u5982\u4e0b\u6709\u51e0\u79cd\u9002\u5408\u81ea\u96c7\u4eba\u58eb\u7684\u9000\u4f11\u8ba1\u5212\u53ef\u4f9b\u9009\u62e9\uff0c\u6bcf\u79cd\u8ba1\u5212\u90fd\u6709\u5176\u7279\u70b9\uff0c\u5305\u62ec\u4f9b\u6b3e\u9650\u5236\u3001\u7eb3\u7a0e\u65b9\u5f0f\u3001\u8fd0\u4f5c\u590d\u6742\u5ea6\u7b49\u3002<\/p>\n\n\n\n<p><strong>\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 IRA\uff08\u5305\u62ec\u4f20\u7edf IRA \u548c Roth IRA\uff09&#8212;<br><\/strong>\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 IRA \u5c5e\u4e8e\u4e2a\u4eba\u8ba1\u5212\uff0c\u96c7\u4e3b\u4e0d\u53c2\u4e0e\u4f9b\u6b3e\u3002\u5458\u5de5\uff08\u5305\u62ec\u81ea\u96c7\u4eba\u58eb\uff09\u53ea\u8981\u6709\u5de5\u4f5c\u6536\u5165\uff0c\u90fd\u53ef\u4ee5\u81ea\u884c\u8bbe\u7acb\uff0c\u5982\u679c\u662f\u79bb\u804c\u521b\u4e1a\u8005\uff0c\u8fd8\u53ef\u4ee5\u5c06\u539f\u516c\u53f8\u7684 401(k) \u8f6c\u5165\u8be5 IRA \u8d26\u6237\u3002 2024\u5e74\u8fd9\u4e24\u79cd IRA \u7684\u4f9b\u6b3e\u4e0a\u9650\u90fd\u662f 7,000 \u7f8e\u5143\uff0c50\u5c81\u6216\u4ee5\u4e0a\u4eba\u58eb\u4e3a 8,000 \u7f8e\u5143\u3002\u5b58\u5165\u4f20\u7edf IRA \u7684\u94b1\u53ef\u4ee5\u5728\u5f53\u5e74\u62a5\u7a0e\u65f6\u6263\u9664\uff0c\u964d\u4f4e\u5e94\u7a0e\u6536\u5165\uff0c\u4f46\u63d0\u53d6\u65f6\u9700\u7f34\u7a0e\uff1bRoth IRA \u867d\u7136\u5728\u4f9b\u6b3e\u5f53\u5e74\u6ca1\u6709\u62b5\u7a0e\u529f\u80fd\uff0c\u4f46\u9000\u4f11\u65f6\u63d0\u53d6\u5219\u514d\u7a0e\u3002<\/p>\n\n\n\n<p><strong>Solo 401(k)\u8ba1\u5212 \uff08\u4e2a\u4eba 401(k)\u8ba1\u5212\uff09&#8212;<br><\/strong>Solo 401(k)\u8ba1\u5212\uff0c\u53ea\u9002\u5408\u6ca1\u6709\u5458\u5de5\uff08\u914d\u5076\u4f8b\u5916\uff09\u7684\u4f01\u4e1a\u4e3b\u6216\u81ea\u96c7\u4eba\u58eb\u3002 2024 \u5e74Solo 401(k) \u7684\u603b\u5b58\u5165\u4e0a\u9650\u4e3a 69,000 \u7f8e\u5143\u3002 50 \u5c81\u6216\u4ee5\u4e0a\u8005\u53ef\u989d\u5916\u589e\u52a0 7,500 \u7f8e\u5143\u3002\uff08<strong>\u5176\u4e2d\u5305\u62ec\uff1a<\/strong>\u4f5c\u4e3a \u300c\u5458\u5de5\u300d \u4e3a\u81ea\u5df1\u7684 Solo 401(k) \u8ba1\u5212\u4f9b\u6b3e\u90e8\u5206\uff0c 2024 \u5e74\u7684\u9650\u989d\u4e3a 23,000 \u7f8e\u5143\uff0c\u6216\u85aa\u916c\u7684 100%\uff0c\u53d6\u4f4e\u503c\u3002\u4f5c\u4e3a\u300c\u96c7\u4e3b\u300d \u7684\u989d\u5916\u4f9b\u6b3e\u90e8\u5206\uff08\u76f8\u5f53\u4e8e\u5229\u6da6\u5206\u4eab\uff09\uff0c\u6700\u591a\u53ef\u8fbe\u85aa\u916c\u6216\u51c0\u81ea\u96c7\u6536\u5165\u7684 25% \u3002\uff09 Solo 401(k)\u8ba1\u5212\u7684\u7f3a\u70b9\u662f\uff1a\u82e5\u8be5\u516c\u53f8\u9664\u4e86\u96c7\u4e3b\u8fd8\u6709\u5176\u4ed6\u5458\u5de5\uff08\u914d\u5076\u4f8b\u5916\uff09\uff0c\u6b64\u8ba1\u5212\u4e0d\u53ef\u7528 \u3002<\/p>\n\n\n\n<p><strong>SIMPLE IRA\uff08\u5458\u5de5\u50a8\u84c4\u6fc0\u52b1\u5339\u914d\u8ba1\u5212\uff09&#8212;<br><\/strong>SIMPLE IRA \u5168\u79f0 Savings Incentive Match Plan for Employees IRA\u300c\u5458\u5de5\u50a8\u84c4\u6fc0\u52b1\u5339\u914d\u8ba1\u5212\u300d\u3002\u9002\u5408\u4e8e\u62e5\u6709\u6700\u591a 100 \u540d\u5458\u5de5\u7684\u8f83\u5927\u578b\u4f01\u4e1a\u3002 SIMPLE IRA \u548c 401(k) \u6709\u70b9\u7c7b\u4f3c\uff0c\u5458\u5de5\u81ea\u5df1\u4f9b\u6b3e\u7684\u540c\u65f6\uff0c\u96c7\u4e3b\u4e5f\u6309\u6bd4\u4f8b\u5339\u914d \u30022024 \u5e74\u7684\u5b58\u5165\u4e0a\u9650\u6700\u9ad8\u4e3a 16,000 \u7f8e\u5143\uff0c50\u5c81\u6216\u4ee5\u4e0a\u53ef\u8ffd\u52a0 3,500 \u7f8e\u5143\u3002\u5458\u5de5\u5728\u4f20\u7edf SIMPLE IRA \u5b58\u5165\u7684\u94b1\u53ef\u4ee5\u62b5\u7a0e\uff0c\u9000\u4f11\u65f6\u63d0\u53d6\u5219\u4f5c\u4e3a\u6536\u5165\u7f34\u7a0e\u3002\u96c7\u4e3b\u5411\u5458\u5de5SIMPLE IRA\u8d26\u6237\u7684\u4f9b\u6b3e\u53ef\u4f5c\u4e3a\u516c\u53f8\u5f00\u652f\u62b5\u7a0e\u3002\u96c7\u4e3b\u5bf9\u4efb\u4f55\u4e00\u4e2a\u5458\u5de5\uff08\u5305\u62ec\u96c7\u4e3b\u81ea\u5df1\uff09\u5fc5\u987b\u4e00\u89c6\u540c\u4ec1\u3002\u516c\u53f8\u5bf9\u6240\u6709\u5458\u5de5\u7684\u5339\u914d\u4f9b\u6b3e\u5fc5\u987b\u4fdd\u6301\u540c\u6837\u7684\u6bd4\u4f8b\u3002<\/p>\n\n\n\n<p><strong>SEP IRA\uff08\u7b80\u5316\u5458\u5de5\u517b\u8001\u91d1\u8ba1\u5212\uff09&#8212;<br><\/strong>SEP IRA \u9002\u5408\u6ca1\u6709\u5458\u5de5\u6216\u53ea\u6709\u5c11\u6570\u5458\u5de5\u7684\u81ea\u96c7\u4eba\u58eb\u6216\u5c0f\u4f01\u4e1a\u4e3b\u3002\u5176\u4e2d SEP \u662f \u201cSimplified Employee Pension\u201d \u7684\u7f29\u5199\uff0c\u5373\u300c\u7b80\u5316\u5458\u5de5\u517b\u8001\u91d1\u300d\u3002SEP IRA \u7684\u4f9b\u6b3e\u4e0a\u9650\u51e0\u4e4e\u662f\u4f20\u7edf IRA \u7684 10 \u500d\u30022024 \u5e74\u7684\u9650\u989d\u4e3a 69,000 \u7f8e\u5143\uff0c\u6216\u4e0d\u8d85\u8fc7\u85aa\u8d44\u6216\u51c0\u81ea\u96c7\u6536\u5165\u7684 25%\uff0c\u53d6\u4f4e\u503c\u3002SEP IRA \u540c\u6837\u6709\u7a0e\u52a1\u4f18\u52bf\uff0cSEP IRA \u5b8c\u5168\u7531\u96c7\u4e3b\u4f9b\u6b3e\uff0c\u8fd9\u7b14\u94b1\u4f5c\u4e3a\u516c\u53f8\u5f00\u652f\u62b5\u7a0e\u3002\u5bf9\u4e8e\u5458\u5de5\uff0c\u5b58\u5165\u8d26\u6237\u7684\u94b1\u4e0d\u8ba1\u5165\u5f53\u5e74\u7684\u5e94\u7a0e\u6536\u5165\uff0c\u5f53\u7136\u9000\u4f11\u540e\u9886\u53d6\u5219\u4f5c\u4e3a\u6536\u5165\u7f34\u7a0e\u3002\u96c7\u4e3b\u5bf9\u6bcf\u4f4d\u7b26\u5408\u6761\u4ef6\u7684\u5458\u5de5\uff08\u5305\u62ec\u96c7\u4e3b\u81ea\u5df1\uff09\u7684\u4f9b\u6b3e\u5fc5\u987b\u6309\u5de5\u8d44\u7684\u7edf\u4e00\u6bd4\u4f8b\u3002SEP IRA \u53ea\u5141\u8bb8\u96c7\u4e3b\u4f9b\u6b3e\uff0c\u56e0\u6b64\u5e38\u5e38\u548c\u4f20\u7edf IRA \u6216 Roth IRA \u7ed3\u5408\u4f7f\u7528\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u81ea\u96c7\u4eba\u58eb\u5728\u9009\u62e9\u9000\u4f11\u8d26\u6237\u65f6\u5e94\u8003\u8651\uff1a\u6536\u5165\u6c34\u5e73\uff0c\u7a0e\u6536\u7b79\u5212\uff0c\u96c7\u5458\u60c5\u51b5\uff0c\u8d21\u732e\u5f39\u6027\uff0c\u6295\u8d44\u81ea\u7531\u5ea6\uff0c\u590d\u6742\u5ea6\u548c\u8d39\u7528\uff0c\u7b49\u7b49\u3002\u603b\u7684\u6765\u8bf4\uff0c\u5982\u4f55\u9009\u62e9\u53d6\u51b3\u4e8e\u4e2a\u4f53\u7684\u5177\u4f53\u60c5\u51b5\u548c\u76ee\u6807\u3002\u5728\u505a\u51fa\u51b3\u5b9a\u4e4b\u524d\uff0c\u6700\u597d\u54a8\u8be2\u4e00\u4f4d\u4e13\u4e1a\u7684\u8d22\u52a1\u987e\u95ee\uff0c\u4ee5\u786e\u4fdd\u9009\u62e9\u7684\u9000\u4f11\u8d26\u6237\u6700\u7b26\u5408\u4e2a\u4f53\u7684\u8d22\u52a1\u9700\u6c42\u548c\u76ee\u6807\u3002<\/p>\n\n\n\n<p>\u6b22\u8fce\u54a8\u8be2 &#8211; Frank Lin @\u5927\u5510\u7a0e\u52a1<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u81ea\u96c7\u4eba\u58eb\u5f80\u5f80\u4e0e\u5e38\u89c1\u7684401(k), 403(b)\u7b49\u9000\u4f11\u8d26\u6237\u65e0\u7f18\uff0c\u8981\u50a8\u84c4\u9000\u4f11\u91d1\uff0c\u540c\u65f6\u8fd8\u8981\u83b7\u5f97\u76f8\u5e94\u7684\u7a0e\u52a1\u4f18\u60e0\uff0c\u5c31\u5f97<\/p><\/div>\n<div class=\"blog-btn\"><a href=\"https:\/\/lttax.services\/ch\/%e4%bf%a1%e6%81%af%e5%88%86%e4%ba%ab\/%e8%87%aa%e9%9b%87%e4%ba%ba%e5%a3%ab%e5%b8%b8%e7%94%a8%e7%9a%84%e9%80%80%e4%bc%91%e8%ae%a1%e5%88%92\/\" class=\"home-blog-btn\">\u9605\u8bfb\u66f4\u591a<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-367","post","type-post","status-publish","format-standard","hentry","category-1"],"_links":{"self":[{"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/posts\/367"}],"collection":[{"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/comments?post=367"}],"version-history":[{"count":5,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/posts\/367\/revisions"}],"predecessor-version":[{"id":597,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/posts\/367\/revisions\/597"}],"wp:attachment":[{"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/media?parent=367"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/categories?post=367"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lttax.services\/ch\/wp-json\/wp\/v2\/tags?post=367"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}