{"id":117246,"date":"2019-12-26T06:01:50","date_gmt":"2019-12-26T13:01:50","guid":{"rendered":"http:\/\/www.singtao.tv\/main\/?p=117246"},"modified":"2019-12-23T13:59:20","modified_gmt":"2019-12-23T20:59:20","slug":"20191226%e6%9e%97%e4%bf%ae%e6%a6%ae%e7%90%86%e8%b2%a1%e5%88%86%e5%8d%8a%e9%90%98-%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84%e4%bf%ae%e6%94%b9%e8%a6%8f%e5%89%87%ef%bc%883%ef%bc%89","status":"publish","type":"post","link":"https:\/\/www.singtao.tv\/main\/lifestyle\/%e6%9e%97%e4%bf%ae%e6%a6%ae%e7%90%86%e8%b2%a1%e5%88%86%e5%8d%8a%e9%90%98\/20191226%e6%9e%97%e4%bf%ae%e6%a6%ae%e7%90%86%e8%b2%a1%e5%88%86%e5%8d%8a%e9%90%98-%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84%e4%bf%ae%e6%94%b9%e8%a6%8f%e5%89%87%ef%bc%883%ef%bc%89\/","title":{"rendered":"20191226\u6797\u4fee\u69ae\u7406\u8ca1\u5206\u534a\u9418\u2014\u9000\u4f11\u5132\u84c4\u4fee\u6539\u898f\u5247\uff083\uff09"},"content":{"rendered":"

12\/26\/2019 \u9000\u4f11\u5132\u84c4\u4fee\u6539\u898f\u5247 (3)<\/strong><\/p>\n

\u7e7c\u7e8c\u70ba\u4f60\u8b1b\u89e32020\u5e74\u958b\u59cb401-K\u53caIRA\u5e33\u6236\u898f\u5247\u7684\u6539\u8b8a.<\/p>\n

\u70ba\u4e86\u8b93401-K\u5132\u84c4\u8a08\u5283\u66f4\u50cf\u50b3\u7d71\u7684\u9000\u4f11\u91d1\u8a08\u5283(pension plan), 401-K\u53ef\u4ee5\u5728\u54e1\u5de5\u5c07\u4f86\u9000\u4f11\u7684\u6642\u5019\u63d0\u4f9b\u4e00\u7a2e\u5e74\u91d1(annuity)\u7684\u63d0\u53d6\u65b9\u5f0f, \u5373\u6642\u5c07401-K\u5e33\u6236\u7684\u5132\u84c4\u63db\u4f5c\u7d42\u751f\u63d0\u53d6\u7684\u5408\u7d04, \u6bcf\u4e00\u500b\u6708\u6703\u7372\u5f97\u9810\u5148\u8a02\u7acb\u7684\u91d1\u984d. \u5176\u5be6, \u73fe\u5728\u6bcf\u4e00\u500b\u4eba\u81ea\u5df1\u90fd\u53ef\u4ee5\u9019\u6a23\u505a, \u5c31\u662f\u5c07401-K\u5132\u84c4\u8f49\u5165IRA, \u7136\u5f8c\u5c07\u8cc7\u91d1\u81ea\u884c\u5411\u4fdd\u96aa\u516c\u53f8\u8cfc\u8cb7\u5373\u6642\u5e74\u91d1(immediate annuity)\u5408\u7d04, \u4f46\u8a31\u591a\u4eba\u4e0d\u77e5\u9053\u6709\u9019\u500b\u9078\u64c7, \u5982\u4eca\u653f\u5e9c\u898f\u5b9a401-K\u8a08\u5283\u672c\u8eab\u63d0\u4f9b\u9019\u500b\u63d0\u53d6\u65b9\u6cd5, \u5c0d\u4e00\u4e9b\u6bd4\u8f03\u4fdd\u5b88\u7684\u54e1\u5de5\u662f\u6709\u5438\u5f15\u529b\u7684.<\/p>\n

\u65b0\u4f8b\u4e00\u9805\u91cd\u5927\u7684\u6539\u8b8a, \u662f\u5c07401-K\u548cIRA\u5e33\u6236\u8d77\u78bc\u63d0\u53d6(Required Minimum Distribution or RMD)\u5e74\u9f61\u753170\u6b72\u534a\u5ef6\u9072\u523072\u6b72,\u5373 2020\u5e74\u9054\u523070\u6b72\u534a\u8005\u53ef\u4ee5\u523072\u6b72\u624d\u4f5c\u8d77\u78bc\u63d0\u53d6, \u572872\u6b72\u4e4b\u524d\u5047\u5982\u4ecd\u7136\u6709\u505a\u5de5\u6216\u505a\u5c0f\u751f\u610f\u7684\u6536\u5165, \u4f9d\u7136\u53ef\u4ee5\u5b58\u9322\u5165401-K\u548cIRA\u5e33\u6236, \u9019\u500b\u662f\u5c0d\u4ecd\u7136\u505a\u5de5\u7684\u9577\u8005\u4e00\u500b\u597d\u6d88\u606f.<\/p>\n

\u53e6\u4e00\u65b9\u9762, \u7e7c\u627f401-K\u6216IRA\u5e33\u6236\u672c\u4f86\u53ef\u4ee5\u6309\u5e74\u9f61\u4f5c\u7d42\u751f\u63d0\u53d6, \u6bcf\u5e74\u63d0\u53d6\u7684\u91d1\u984d\u90fd\u76f8\u7576\u4f4e, \u65b0\u4f8b\u53d6\u6d88\u4e86\u9019\u500b\u65b9\u6848, \u898f\u5b9a\u5728\u5341\u5e74\u5167\u4e00\u5b9a\u8981\u5168\u90e8\u4f5c\u63d0\u53d6.
\n