nindeguzhu401(k)jihuashiyigeqiangdadegongju,bingqieweinindetuixiuchuxuyouhenduohaochu。youqishiruguonindeguzhutigongxiangpipeidegongkuan,neimehaobufeilidicunru401(k)。

danshi,haiyouqitaleixingdetuixiuzhanghu,tamenyeyouqiyoudian。suiran401(k)dangranyouqiweizhi,danshijinduizheizhongleixingdetuixiujinzhanghucunyouyixiebiduan。zheiliyousangeyaozhuyidedifang。

1.ninduitouzimeiyoutaiduokongzhiquan

dangninwei401(k)juankuanshi,tongchanghuishoujihuatigongdetedingtouzileixingdekunrao。tongchang,zheiyiweizheninkeyicongyigetouzigongsizhongxuanzeshaolianggongtongjijin。jinguanzheiduiyuxuduotouzizheeryanbuyidingshiyijianhuaishi,danduiyuneixiexiangyaogenghaodikongzhizijidezijintouzifangshihefangshiderenlaishuo,zheikenenghuidailaiwenti。

youlegerentuixiuzhanghu(ira),ninkeyizaixuanzejiangqiantouziyuhechushiyongyougengduoxuanze。ninkeyitouziyugezhonggongtongjijin,yekeyitouziyugebiegupiaohuozhaiquan,jiaoyisuomaimaijijin(etf)huocunkuanzheng(cd)。youyuiratongchangtigongbi401(k)jihuagengduodetouzixuanze,yinciduiyuneixiexiwangzaituixiuchuxushicaiqugengduoshijicaozuofangfaderenlaishuo,irashiyigebucuodexuanze。

2.ninkenengyaozhifugaoyupingjunshuipingdefeiyong

cba投注jihusuoyoutuixiuzhanghujinglidoushouqufeiyong,yinci,wulunninzaihechutouzi,douwufawanquanbaituotamen。danshi,youyuninxianyujihuawei401(k)gongkuanshitigongdetouzixuanze,yincininkenenghaihuibeishouqugenggaodefeiyong。

cba投注genjumeiguojinbuzhongxindeyifenbaogao,pingjun401(k)jihuashouqudenianfeiyueweisuoguanlizichanzongede1%。huanjuhuashuo,ruguoninde401(k)zhongyou100,000meiyuan,neimeninmeinianxuyaozhifu1,000meiyuandefeiyong。

cba投注shenzhichaoguopingjunshuipingdefeiyongyehuisuizheshijiandetuiyijiaqilai。meiguojinbuzhongxin(center for american progress)faxian,pingjunmeinianzhifu1%nianfeidegongrenyishengzhongyouwangzhifuyue138,000meiyuandefeiyong。ruguojiangnianfeitigaodaojin1.3%,zezhongshenfeiyongjiangyueshengzhi166,000meiyuanyishang。

cba投注ruguoninde401(k)shouqudefeiyonggaoyupingjunshuiping,zeninkenengwunengweili。danshi,youyuiratigonglegengduodetouzixuanze,yincininkeyitongguotouzilingyizhongtuixiuzhanghulaijianshaofeiyong。

3.nincuoguoleqianzaideshuishouyouhui

cba投注401(k)beishiweidiyanshuikuanleixingdezhanghu,zheiyiweizheninzaijinxingchucigongkuanshihuihuodeshuikuanjianmian,danshinintuixiushidetikuanhuiqianshui。chuantongdeirayeshidiyanshuixiang,danshiroth iradegongzuofangshiquexiangfan: ninxianjiaonagongkuanshui,dansuihoudetikuanshimianshuide。

cba投注ruguoninxiangjianshaotuixiushideyingshuishouru,touziluosiirakenengshimingzhizhiju。dangnintouziluosiirashi,jihuatuixiuyekenenghuirongyiyixie。youyuninwuxukaolvcongnindechuxuzhongkouchudeshuishou,yincininzhanghuzhongdejinejiushikeyongyutuixiudejine。

qingjizhu,neixienianshouruchaoguo139,000meiyuan(huofuqigongtongtijiaodenianshouruwei206,000meiyuan)derenbufuheluosiluosiiradegongkuantiaojian,danruguonindeshouruchaochuxiane,zekeyixiangluosiluosiiragongkuan。ciwai,ninmeinianjinkezairoth irazhongjuankuangaoda$ 6,000(ruguoninnianman50suihuoyishang,zemeiniankejuankuan$ 7,000)。yinci,ruguoninshichaojichuxuzhe,zekenengxuyaoshiyongirazhiwaideqitaleixingdezhanghu。

cba投注ninshenmeshihouyinggaitouzi401(k)?

suoyouzheiyiqiebingbushishuoninde401(k)bingbushituixiushidehaoxuanze。401(k)yeyouqihaochu,youqishineixieyuguzhuxiangpipeidegongkuan。yinci,zaixuduoqingkuangxia,zuihaodexuanzekenengshiliyongduogetuixiuzhanghu。

liru,ruguoninde401(k)shouqugaoefeiyong,zeninkeyixuanzejiaonazhenghaozuyicongnindeguzhuneilihuoderenhepipeidejiaokuan,ranhoujiangqiyuxianjincunruirazhong。huozhe,ruguoninxiangxianzaihetuixiushijianshaoshuishou,zekeyixuanzetongshibaocun401(k)heluosiira。ruguoninxiwangmeinianzaituixiuzhanghuzhongcunrudaliangxianjin,zekeyixuanzejiangirazuidahua,ranhoujiangqiyudecunru401(k)。401(k)deniandujiaokuanxianewei$ 19,500,yinci,ruguoirademeinian$ 6,000xianebugou,ninde401(k)keyirangninjixuchuxu。

cba投注suoyoutuixiuzhanghudouyouqiyoudianhequedian,bingqie401(k)yebuliwai。suiranzheishiyigechusedexuanze,danyouqiliangdian,danninkenenghuibimianshiyongqitaleixingdetuixiuzhanghuercuoguozheiyijihui。

郑重声明: 本文版权所有:cba投注-cba下注