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\u907f\u514d\u6d17\u552e\u89c4\u5219\u7684\u7b56\u7565<\/span><\/h2>\n

\u52a0\u5bc6\u8d27\u5e01\u6295\u8d44\u8005\u53ef\u4ee5\u91c7\u7528\u591a\u79cd\u7b56\u7565\u6765\u907f\u514d\u89e6\u53d1\u6d17\u552e\u89c4\u5219\u3002\u8fd9\u4e9b\u7b56\u7565\u5305\u62ec\uff1a<\/span><\/p>\n

    \n
  1. \u56de\u8d2d\u524d\u7b49\u5f8530\u5929\uff1a\u907f\u514d\u89e6\u53d1\u6d17\u552e\u89c4\u5219\u6700\u76f4\u63a5\u7684\u65b9\u6cd5\u4e4b\u4e00\uff0c\u5c31\u662f\u5728\u56de\u8d2d\u5b9e\u8d28\u76f8\u540c\u7684\u52a0\u5bc6\u8d27\u5e01\u524d\u7b49\u5f8530\u5929\u3002\u8fd9\u5c06\u786e\u4fdd\u6295\u8d44\u8005\u4e0d\u4f1a\u5728\u51fa\u552e\u524d\u540e30\u5929\u5185\u8d2d\u4e70\u5b9e\u8d28\u76f8\u540c\u7684\u52a0\u5bc6\u8d27\u5e01\uff0c\u4ece\u800c\u89e6\u53d1\u6d17\u552e\u89c4\u5219\u3002<\/span><\/li>\n
  2. \u8d2d\u4e70\u5176\u4ed6\u52a0\u5bc6\u8d27\u5e01\uff1a\u89c4\u907f\u6d17\u552e\u89c4\u5219\u7684\u53e6\u4e00\u4e2a\u7b56\u7565\u662f\u8d2d\u4e70\u4e0e\u51fa\u552e\u7684\u52a0\u5bc6\u8d27\u5e01\u5b9e\u8d28\u4e0a\u4e0d\u5b8c\u5168\u76f8\u540c\u7684\u5176\u4ed6\u52a0\u5bc6\u8d27\u5e01\u3002\u4f8b\u5982\uff0c\u5982\u679c\u6295\u8d44\u8005\u51fa\u552e\u6bd4\u7279\u5e01\uff0c\u4ed6\u4eec\u53ef\u4ee5\u8d2d\u4e70\u4ee5\u592a\u574a\u3002<\/span><\/li>\n
  3. \u4f7f\u7528\u4e0d\u540c\u7684\u8d26\u6237\uff1a\u6d17\u552e\u89c4\u5219\u9002\u7528\u4e8e\u76f4\u63a5\u548c\u95f4\u63a5\u6536\u8d2d\uff0c\u8fd9\u610f\u5473\u7740\u5982\u679c\u6295\u8d44\u8005\u901a\u8fc7\u4e0d\u540c\u7684\u8d26\u6237\uff08\u4f8b\u5982 IRA \u6216 401\uff08k\uff09\u8ba1\u5212\uff09\u8d2d\u4e70<\/span>\u57fa\u672c\u76f8\u540c\u7684\u8bc1\u5238\uff0c\u5219\u4e0d\u80fd\u58f0\u79f0\u8d44\u672c\u635f\u5931\u3002<\/span><\/strong><\/li>\n
  4. \u7a0e\u6536\u635f\u5931\u6536\u83b7<\/span><\/strong>\uff1a\u7a0e\u6536\u635f\u5931\u6536\u83b7\u662f\u4e00\u79cd\u4ee5\u4e8f\u635f\u65b9\u5f0f\u51fa\u552e\u8bc1\u5238\u4ee5<\/span>\u62b5\u6d88\u8d44\u672c\u6536\u76ca\u7684<\/span><\/strong>\u7b56\u7565\u3002\u7136\u800c\uff0c\u4e3a\u4e86\u907f\u514d\u89e6\u53d1\u6d17\u552e\u89c4\u5219\uff0c\u6295\u8d44\u8005\u5e94\u4ec5\u4ee5\u4e8f\u635f\u65b9\u5f0f\u51fa\u552e\u4e0d\u6253\u7b97\u572830\u5929\u5185\u56de\u8d2d\u7684\u8bc1\u5238\u3002<\/span><\/li>\n
  5. \u8bb0\u5f55\u4fdd\u5b58\uff1a\u51c6\u786e\u8bb0\u5f55\u60a8\u7684\u6240\u6709\u4ea4\u6613\u53ef\u4ee5\u8ba9\u60a8\u8ddf\u8e2a 30 \u5929\u5185\u51fa\u552e\u548c\u56de\u8d2d\u7684\u8bc1\u5238\uff0c\u4ece\u800c\u5e2e\u52a9\u60a8\u907f\u514d\u6d17\u552e\u89c4\u5219\u3002<\/span><\/li>\n<\/ol>\n

    \u56fd\u7a0e\u5c40\u672a\u63d0\u4f9b\u660e\u786e\u6307\u5bfc\u00a0<\/span><\/h2>\n

    \u6d17\u552e\u89c4\u5219\u5bf9\u52a0\u5bc6\u8d27\u5e01\u6295\u8d44\u8005\u6765\u8bf4\u81f3\u5173\u91cd\u8981\uff0c\u56e0\u4e3a\u5b83\u4f1a\u663e\u8457\u5f71\u54cd\u4ed6\u4eec\u7684<\/span>\u7eb3\u7a0e\u4e49\u52a1<\/span><\/strong>\u3002\u8be5\u89c4\u5219\u89c4\u5b9a\uff0c\u5982\u679c\u6295\u8d44\u8005\u5728\u51fa\u552e\u52a0\u5bc6\u8d27\u5e01\u524d\u540e30\u5929\u5185\u83b7\u5f97\u4e86\u5b9e\u8d28\u4e0a\u76f8\u540c\u7684\u52a0\u5bc6\u8d27\u5e01\uff0c\u5219\u7981\u6b62\u5176\u7533\u62a5\u7a0e\u6536\u635f\u5931\u3002\u8fd9\u53ef\u80fd\u4f1a\u5bfc\u81f4\u66f4\u9ad8\u7684\u7a0e\u5355\uff0c\u5e76\u963b\u6b62\u6295\u8d44\u8005\u8fdb\u884c\u7a0e\u6536\u635f\u5931\u6536\u96c6\u3002<\/span><\/p>\n

    \u7136\u800c\uff0c\u6295\u8d44\u8005\u53ef\u4ee5\u91c7\u53d6\u4e00\u4e9b\u7b56\u7565\u6765\u907f\u514d\u89e6\u53d1\u6d17\u552e\u89c4\u5219\uff0c\u4f8b\u5982\u7b49\u5f8530\u5929\u540e\u518d\u56de\u8d2d\u3001\u8d2d\u4e70\u4e0d\u540c\u7684\u52a0\u5bc6\u8d27\u5e01\u3001\u4f7f\u7528\u4e0d\u540c\u7684\u8d26\u6237\u3001\u7a0e\u6536\u635f\u5931\u6536\u96c6\u4ee5\u53ca\u8bb0\u5f55\u4fdd\u5b58\u3002\u56e0\u6b64\uff0c\u6295\u8d44\u8005\u52a1\u5fc5\u4e86\u89e3\u6d17\u552e\u89c4\u5219\u5982\u4f55\u9002\u7528\u4e8e\u52a0\u5bc6\u8d27\u5e01\uff0c\u5e76\u54a8\u8be2\u7a0e\u52a1\u4e13\u4e1a\u4eba\u58eb\uff0c\u4e86\u89e3\u8be5\u89c4\u5219\u5982\u4f55\u9002\u7528\u4e8e\u5176\u5177\u4f53\u60c5\u51b5\u3002<\/span><\/p>\n

    \u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u7f8e\u56fd\u56fd\u7a0e\u5c40\u5c1a\u672a\u51fa\u53f0\u9002\u7528\u4e8e\u52a0\u5bc6\u8d27\u5e01\u7684\u660e\u786e<\/span>\u52a0\u5bc6\u8d27\u5e01\u6d17\u552e\u89c4\u5219<\/span><\/strong>\uff0c\u8fd9\u4f7f\u5f97\u6295\u8d44\u8005\u4e86\u89e3\u8be5\u89c4\u5219\u5982\u4f55\u9002\u7528\u4e8e\u5176\u5177\u4f53\u60c5\u51b5\u663e\u5f97\u5c24\u4e3a\u91cd\u8981\u3002\u5728\u505a\u51fa\u6295\u8d44\u51b3\u7b56\u4e4b\u524d\uff0c\u54a8\u8be2\u7a0e\u52a1\u4e13\u4e1a\u4eba\u58eb\u59cb\u7ec8\u662f\u660e\u667a\u4e4b\u4e3e\u3002<\/span><\/p>\n

    \n

    \u5e38\u89c1\u95ee\u9898\u89e3\u7b54\uff1a<\/span><\/h2>\n

    \u6d17\u552e\u89c4\u5219\u9002\u7528\u4e8e\u52a0\u5bc6\u8d27\u5e01\u5417\uff1f<\/span><\/h3>\n

    \u4e0d\uff0c\u7f8e\u56fd\u56fd\u7a0e\u5c40 (IRS) \u5c06<\/span>\u865a\u62df\u8d27\u5e01<\/span><\/strong>\u89c6\u4e3a\u8d22\u4ea7\u800c\u975e\u8bc1\u5238\uff1b\u56e0\u6b64\uff0c\u6d17\u552e\u89c4\u5219\u76ee\u524d\u4e0d\u9002\u7528\u4e8e\u52a0\u5bc6\u8d27\u5e01\u4ea4\u6613\u3002\u7f8e\u56fd\u56fd\u7a0e\u5c40\u5df2\u53d1\u5e03\u6307\u5357\uff0c\u89c4\u5b9a\u7eb3\u7a0e\u4eba\u4e0d\u5f97\u5229\u7528\u6d17\u552e\u89c4\u5219\u6765\u9012\u5ef6\u865a\u62df\u8d27\u5e01\u51fa\u552e\u6216\u4ea4\u6613\u7684\u635f\u5931\uff0c\u800c\u5fc5\u987b\u5c06\u865a\u62df\u8d27\u5e01\u51fa\u552e\u6216\u4ea4\u6613\u7684\u4efb\u4f55\u6536\u76ca\u6216\u635f\u5931\u7533\u62a5\u4e3a<\/span>\u8d44\u672c\u635f\u5931<\/span><\/strong>\u6216\u6536\u76ca\u3002\u6211\u4eec\u59cb\u7ec8\u5efa\u8bae\u60a8\u54a8\u8be2\u7a0e\u52a1\u4e13\u4e1a\u4eba\u58eb\uff0c\u4ee5\u83b7\u53d6\u6709\u5173\u5982\u4f55\u7533\u62a5\u52a0\u5bc6\u8d27\u5e01\u4ea4\u6613\u7a0e\u52a1\u5f71\u54cd\u7684\u6307\u5bfc\u3002<\/span><\/p>\n

    \u4ec0\u4e48\u662f\u52a0\u5bc6\u8d27\u5e01\u6d17\u76d8\uff1f<\/span><\/h3>\n

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    \u7f8e\u56fd\u56fd\u7a0e\u5c40\u662f\u5426\u6709<\/span>\u52a0\u5bc6\u8d27\u5e01\u6d17\u552e\u89c4\u5219\uff1f<\/span><\/strong><\/h3>\n

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