{"id":37,"date":"2017-05-09T11:57:00","date_gmt":"2017-05-09T03:57:00","guid":{"rendered":"http:\/\/\/401k-401k-plan\/"},"modified":"2021-06-01T13:22:23","modified_gmt":"2021-06-01T05:22:23","slug":"401k-401k-plan","status":"publish","type":"post","link":"https:\/\/\/401k-401k-plan\/","title":{"rendered":"\u3010\u770b\u61c2401K\u9000\u4f11\u5132\u84c4\u8a08\u756b\u3011\u70ba\u4ec0\u9ebc\u7f8e\u80a1\u4e0d\u65b7\u5275\u65b0\u9ad8\uff0c\u53f0\u80a1\u537b\u5f88\u96e3\u4e0a\u842c\u9ede\uff1f"},"content":{"rendered":"<!-- \/367108978\/Rich01_PC_up_728x90 -->\n\t<div class='div-gpt-ad-css' id='div-gpt-ad-1564472272479-0' style='width: 728px; height: 90px;'>\n\t  <script>\n\t\tgoogletag.cmd.push(function() { googletag.display('div-gpt-ad-1564472272479-0'); });\n\t  <\/script>\n\t<\/div><p class=\"separator\" style=\"clear: both; text-align: center;\"><a href=/index.html"http:\/\/\/wp-content\/uploads\/20171206115127_72.jpg\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=/index.html"http:\/\/\/wp-content\/uploads\/20171206115127_72.jpg\" border=\"0\" \/><\/a><\/p>\n<p>\u300c\u70ba\u4ec0\u9ebc\u7f8e\u80a1\u4e00\u76f4\u5275\u65b0\u9ad8\uff0c\u53f0\u80a1\u537b\u9084\u6c92\u4e0a\u842c\u9ede?\u300d<\/p>\n<p>\u4eca\u5929\u53f0\u80a1\u52a0\u6b0a\u6307\u6578\uff0c\u5728\u77ed\u77ed\u7684\u4e00\u77ac\u9593\u767b\u4e0a\u842c\u9ede\uff0c<br \/>\n\u8eab\u908a\u6709\u4e9b\u670b\u53cb\u7d1b\u7d1b\u62b1\u6028\uff0c<br \/>\n\u548c2007\u5e74\u6642\u7684\u9ad8\u9ede\u76f8\u6bd4\uff0c\u7f8e\u80a1\u65e9\u5c31\u4e0a\u6f32\u8d85\u904e50%\u4ee5\u4e0a\uff0c<br \/>\n\u4f46\u53f0\u80a1\u537b\u6c92\u8d85\u904e\u7576\u6642\u591a\u5c11\u3002<\/p>\n<p>\u53f0\u80a1\u6c92\u7834\u842c\u9ede\u4e00\u90e8\u5206\u662f\u56e0\u70ba\u9664\u6b0a\u606f\uff0c<br \/>\n\u4f46\u9664\u4e86<a href=/index.html"https:\/\/\/blog-post_76\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u9664\u6b0a\u606f<\/a>\u554f\u984c\uff0c<br \/>\n\u4e4b\u524d\u5e02\u5834\u5148\u751f\u807d\u5230\u4e00\u4f4d\u7f8e\u570b\u7684\u57fa\u91d1\u7d93\u7406\u4eba\uff0c<br \/>\n\u5206\u4eab\u4ed6\u5c0d\u53f0\u80a1\u548c\u7f8e\u80a1\u7684\u770b\u6cd5\uff0c<br \/>\n\u6211\u89ba\u5f97\u975e\u5e38\u8a8d\u540c\uff0c\u4ee5\u4e0b\u6574\u7406\u548c\u5927\u5bb6\u5206\u4eab\uff1a<\/p>\n<p>\u4ed6\u8aaa\u5230\uff1a\u300c<b>\u7f8e\u80a1\u80fd\u6301\u7e8c\u6210\u9577\u6709\u4e00\u500b\u5f88\u5927\u7684\u539f\u56e0\uff0c<\/b><br \/>\n<b>\u5c31\u662f\u00a0\u7f8e\u570b\u7684\u9000\u4f11\u5132\u84c4\u8a08\u756b (401K Plan)\u00a0\u63d0\u4f9b\u4e86\u6e90\u6e90\u4e0d\u7d55\u7684\u8cc7\u91d1<\/b>\u3002\u300d<\/p>\n<p>\u9019\u500b\u8a08\u756b\u9664\u4e86\u7a69\u5b9a\u7f8e\u570b\u8cc7\u672c\u5e02\u5834\uff0c<br \/>\n\u4e5f\u8b93\u6bcf\u4e00\u500b\u6c11\u773e\u7684\u9000\u4f11\u91d1\u5e33\u6236\uff0c\u90fd\u80fd\u53c3\u8207\u5230\u7f8e\u570b\u7684\u7d93\u6fdf\u6210\u9577\u3002<\/p>\n<p>\u5982\u679c\u4f60\u7e3d\u89ba\u5f97\u81ea\u5df1\u9000\u4f11\u91d1\u4e0d\u8db3\uff0c<br \/>\n\u61c9\u8a72\u8981\u4ed4\u7d30\u4f86\u4e86\u89e3\u4e00\u4e0b\uff0c<br \/>\n\u5728\u570b\u5916\u662f\u5982\u4f55\u898f\u5283\u81ea\u5df1\u7684\u7684\u9000\u4f11\u91d1\u3002<\/p>\n<p>\u7e7c\u7e8c\u5f80\u4e0b\u770b&#8230;<\/p>\n<p><!--more--><\/p>\n<p>&nbsp;<\/p>\n<h2>\u4ec0\u9ebc\u662f401K\u9000\u4f11\u5132\u84c4\u8a08\u756b\uff1f<\/h2>\n<p>401K\u9000\u4f11\u5132\u84c4\u8a08\u756b\u5b83\u662f\u7f8e\u570b\u7684\u4e00\u9805\u990a\u8001\u4fdd\u96aa\u7684\u8a08\u756b\uff0c<br \/>\n\u958b\u59cb\u65bc30\u591a\u5e74\u524d\uff0c\u8ddf\u53f0\u7063\u7684<a href=/index.html"http:\/\/\/243765-2\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u52de\u9000\u57fa\u91d1<\/a>\u975e\u5e38\u985e\u4f3c\u3002<\/p>\n<p><b>\u5148\u8ac7\u8ac7\u70ba\u4ec0\u9ebc\u6703\u6709 401K\uff1f<\/b><\/p>\n<p>\u6bcf\u4e00\u500b\u570b\u5bb6\u90fd\u6703\u6709\u81ea\u5df1\u7684\u793e\u6703\u4fdd\u96aa\u8a08\u756b\uff0c\u4f8b\u5982\u53f0\u7063\u5c31\u6709\u52de\u4fdd\u548c\u52de\u9000\u5236\u5ea6\uff0c<br \/>\n\u5982\u679c\u6c92\u6709\u9019\u985e\u5236\u5ea6\uff0c\u8a31\u591a\u4eba\u9000\u4f11\u5f8c\u6c92\u9322\u5f88\u53ef\u80fd\u6703\u9020\u6210\u793e\u6703\u52d5\u76ea\u8207\u6cbb\u5b89\u4e0d\u7a69\u3002<br \/>\n\u4f46\u793e\u6703\u4fdd\u96aa\u5236\u5ea6\u901a\u5e38\u5c0d\u570b\u5bb6\u8ca1\u653f\u6703\u9020\u6210\u5de8\u5927\u7684\u8ca0\u64d4\uff0c<br \/>\n\u4f8b\u5982\u53f0\u7063\u73fe\u5728\u52de\u4fdd\u5236\u5ea6\u5c31\u6709\u5de8\u5927\u7684\u9ed1\u6d1e\u5b58\u5728\uff0c\u5e38\u5e38\u5728\u5435\u8457\u8981\u7834\u7522\u3002<\/p>\n<p><b>401K\u7684\u57f7\u884c\u65b9\u5f0f<\/b><\/p>\n<p>\u7c21\u55ae\u4f86\u8aaa\uff0c\u5c31\u662f\u6bcf\u500b\u6708\u5f9e\u4f60\u7684\u85aa\u6c34\u4e2d\u63d0\u64a5\u4e00\u7b46\u9322\uff0c\u5230\u4f60\u7684\u9000\u4f11\u91d1\u5e33\u6236\u53bb\u3002<br \/>\n\u95dc\u9375\u5728\u65bc\uff1a\u9000\u4f11\u91d1\u5e33\u6236\u88e1\u7684\u9322\u4e0d\u80fd\u9818\u51fa\uff0c\u4f46\u53ef\u4ee5\u505a\u4efb\u610f\u7684\u6295\u8cc7\u3002<\/p>\n<p>\u5b83\u53ef\u4ee5\u5f88\u81ea\u7531\u7684\u9078\u64c7\u5e7e\u4e4e\u5927\u591a\u6578\u80a1\u7968\u3001\u57fa\u91d1\uff0c\u4f46\u5c31\u662f\u4e0d\u80fd\u63d0\u65e9\u9818\u51fa\u4f86<br \/>\n\u572860\u6b72\u4e4b\u524d\u63d0\u65e9\u9818\u51fa\u6703\u670910%\u7f70\u91d1\uff0c<br \/>\n\u800c\u4e14\u4e5f\u4e0d\u80fd\u653e\u4e00\u8f29\u5b50\uff0c70\u6b72\u5c31\u5f37\u8feb\u9818\u51fa\u5426\u5247\u8981\u7f7050%\u7f70\u91d1\u3002<\/p>\n<p>\u7f8e\u570b\u653f\u5e9c\u5e0c\u671b\u85c9\u7531401K\u8a08\u756b\uff0c<br \/>\n\u9010\u6f38\u7684\u964d\u4f4e\u50b3\u7d71\u4e0a\u9f90\u5927\u7684\u793e\u6703\u4fdd\u96aa\u652f\u51fa\uff0c\u4f5c\u70ba\u570b\u6c11\u990a\u8001\u57fa\u91d1\uff0c\u4e5f\u5e0c\u671b\u85c9\u6b64\u63d0\u9ad8\u5132\u84c4\u7387\uff0c<br \/>\n\u7562\u7adf\u6b50\u7f8e\u7684\u50b3\u7d71\u6587\u5316\u4e26\u6c92\u6709\u5132\u84c4\u7684\u7f8e\u5fb7\uff0c\u53cd\u800c\u9f13\u52f5\u900f\u652f\u672a\u4f86\u7684\u6536\u5165\u3002<\/p>\n<p><a href=/index.html"http:\/\/\/wp-content\/uploads\/20171206115127_100.jpg\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=/index.html"http:\/\/\/wp-content\/uploads\/20171206115127_100.jpg\" border=\"0\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h2>\u628a\u9322\u653e\u5728\u9000\u4f11\u91d1\u5e33\u6236\u88e1<br \/>\n\u9084\u53ef\u4ee5\u5f97\u5230\u7a05\u52d9\u512a\u60e0\uff0c\u516c\u53f8\u9084\u52a0\u78bc\u984d\u5916\u88dc\u8cbc\uff1f<\/h2>\n<p>\u5728\u7f8e\u570b\uff0c\u54e1\u5de5\u662f\u53ef\u4ee5\u81ea\u7531\u9078\u64c7\u662f\u5426\u53c3\u52a0401K\u8a08\u756b\uff0c<br \/>\n\u7576\u7136\uff0c\u7f8e\u570b\u4eba\u4e0d\u50cf\u4e2d\u570b\u4eba\u6709\u5132\u84c4\u7fd2\u6163\uff0c<br \/>\n\u8981\u4ed6\u5011\u5ef6\u9072\u4eab\u53d7\u4e26\u4e0d\u5bb9\u6613\uff0c\u653f\u5e9c\u7576\u7136\u5f97\u62ff\u51fa\u4e00\u4e9b\u597d\u5eb7\u7576\u8a98\u56e0\u3002<\/p>\n<p>\u9996\u5148\u662f\u7a05\u91d1\u4e0a\u7684\u512a\u60e0\uff0c<br \/>\n\u539f\u672c\u85aa\u6c34\u8981\u88ab\u8ab2\u5927\u7b46\u7684\u7a05\uff0c\u7f8e\u570b\u7684\u7a05\u7387\u53ef\u4e0d\u4f4e\uff0c<br \/>\n\u4f46\u85aa\u6c34\u4e2d\u79fb\u5230401K\u5e33\u6236\u7684\u9322\u5247\u662f\u4e0d\u5fc5\u8ab2\u7a05\uff0c<br \/>\n\u9019\u6a23\u5c31\u53ef\u4ee5\u628a\u8cc7\u91d1\u505a\u66f4\u6709\u6548\u7684\u904b\u7528\uff01<\/p>\n<p>\u5176\u6b21\u662f\u914d\u5408\u4f01\u696d\u88dc\u52a9\uff0c<br \/>\n\u7576\u54e1\u5de5\u5f9e\u85aa\u8cc7\u63d0\u64a5\u4e00\u500b\u6bd4\u4f8b (\u85aa\u8cc72%~15%\uff0c\u4e0a\u96501.5\u842c\u7f8e\u91d1) \u5230401K\u5e33\u6236\u6642\uff0c<br \/>\n\u96c7\u4e3b\u4e5f\u6703&#8221;\u984d\u5916&#8221;\u518d\u63d0\u64a5\u4e00\u7b46\u8cc7\u91d1\u5230\u9000\u4f11\u91d1\u5e33\u6236\u3002<br \/>\n\u6bd4\u65b9\u8aaa\u54e1\u5de5\u5982\u679c\u9078\u64c7\u63d0\u64a55000\u7f8e\u91d1\uff0c\u96c7\u4e3b\u5c31\u5fc5\u9808\u63d0\u64a55000\u7f8e\u91d1\uff0c<br \/>\n\u81f3\u65bc\u6bd4\u4f8b\u662f\u591a\u5c11\u6bcf\u5bb6\u4f01\u696d\u4e0d\u540c\uff0c\u901a\u5e38\u6703\u5728\u52de\u52d5\u7684\u5951\u7d04\u4e0a\u5148\u8ac7\u597d\u3002<br \/>\n\u76ee\u524d\u7f8e\u570b\u6709\u8d85\u904e8\u6210\u7684\u4f01\u696d\u63d0\u64a5\u7387\u8d85\u904e\u85aa\u8cc73%\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u9664\u4e86\u7bc0\u7a05\uff0c401K\u8a08\u756b\u4e5f\u662f\u6295\u8cc7\u7406\u8ca1\u7684\u5de5\u5177<\/h2>\n<p>\u6295\u5165401K\u5e33\u6236\u7684\u8cc7\u91d1\uff0c<br \/>\n\u53ef\u4ee5\u5c07\u5176\u4e2d\u4e00\u90e8\u5206\u7528\u65bc\u6295\u8cc7 \uff0c\u6295\u5165\u80a1\u7968\u3001\u50b5\u5238\u3001\u57fa\u91d1\u7b49\u5546\u54c1\uff0c<br \/>\n\u6295\u8cc7\u7684\u5167\u5bb9\u5b8c\u5168\u7531\u54e1\u5de5\u81ea\u5df1\u6c7a\u5b9a\uff0c\u98a8\u96aa\u7576\u7136\u4e5f\u7531\u81ea\u5df1\u627f\u64d4\u3002<\/p>\n<p>\u70ba\u78ba\u4fdd\u80fd\u78ba\u5be6\u9054\u5230\u9000\u4f11\u4fdd\u96aa\u7684\u6548\u679c\uff0c<br \/>\n\u5b83\u8a2d\u6709\u6295\u8cc7\u7684\u4e0a\u9650\u91d1\u984d\u9580\u6abb(\u6bcf\u5e74\u6700\u591a1.8\u842c\u7f8e\u91d1 \u6578\u5b57\u6703\u4e0d\u65b7\u8abf\u6574)\uff0c<br \/>\n\u4ee5\u514d\u5927\u5bb6\u653e\u592a\u591a\u9322\u7d50\u679c\u6700\u5f8c\u53c8\u6295\u8cc7\u5931\u5229\u3002<\/p>\n<p>\u900f\u904e\u6295\u8cc7\u4ee5\u53ca\u7a05\u7684\u512a\u60e0\uff0c\u53c3\u8207\u8a31\u591a\u7f8e\u570b\u597d\u4f01\u696d\u7684\u6210\u9577\uff0c<br \/>\n\u4f8b\u5982\u860b\u679c\u3001Facebook\u3001Amazon\u7b49\u7b49\uff0c<br \/>\n\u56e0\u70ba\u6295\u8cc7\u5728\u80a1\u7968\u5e02\u5834\u5831\u916c\u7387\u5920\u9ad8 (\u7f8e\u80a1\u9577\u671f\u6295\u8cc7\u5831\u916c\u7387\u7d047%~10%)\uff0c<br \/>\n\u653f\u5e9c\u56e0\u6b64\u4e0d\u5fc5\u5728\u4ed8\u51fa\u5927\u7b46\u7684\u9810\u7b97\u5728\u793e\u6703\u798f\u5229\u4e0a\u3002<\/p>\n<p>\u800c\u9019\u4e9b\u8cc7\u91d1\u7d93\u904e\u9577\u671f\u6295\u8cc7\u4e4b\u5f8c\uff0c<br 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40\u5e74\u80fd\u9000\u4f11\u55ce\uff1f\u3010\u9000\u4f11\u8a08\u7b97\u6a5f\u3011 EXCEL &#8211; \u514d\u8cbb\u4e0b\u8f09<\/a><\/p>\n<p>2.\u00a0<a href=/index.html"https:\/\/\/500-3\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u60f3\u8981\u5b89\u5fc3\u9000\u4f11\uff0c\u70ba\u4ec0\u9ebc\u6709500\u842c\u9000\u4f11\u91d1\u9084\u4e0d\u5920\uff1f\u554f\u984c\u51fa\u5728&#8230;<\/a><\/p>\n<p>3.\u00a0<a href=/index.html"https:\/\/\/4044000-2\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u5de5\u4f5c40\u5e74\u9000\u4f11\uff0c\u6708\u981844000\u5143\uff1f\u5047\u7684\uff01\u5e74\u91d1\u7684\u771f\u76f8\u662f\u2026<\/a><\/p>\n<p><h3>\u52a0\u5165\u5e02\u5834\u5148\u751fFB\u793e\u5718\uff0c\u5145\u5be6\u66f4\u591a\u7406\u8ca1\u597d\u77e5\u8b58<\/h3>\r\n<p>50\u6b72\u4e4b\u524d\u60f3\u9000\u4f11\u4e00\u5b9a\u8981\u61c2\u7406\u8ca1\uff0c<br \/>\u89e3\u6c7a\u6295\u8cc7\u7684\u7169\u60f1\uff01<\/p>\r\n<p><a href=/index.html"https:\/\/www.facebook.com\/groups\/rich01\" target=\"_blank\" rel=\"noopener nofollow\" data-wpel-link=\"external\"><img decoding=\"async\" class=\"alignnone size-full wp-image-7104\" src=/index.html"https:\/\/\/wp-content\/uploads\/20190824194719_22.gif\" alt=\"\" width=\"687\" height=\"243\" \/><\/a><\/p>&lt;<\/p>\n<p>\u66f4\u591a\u6295\u8cc7\u7406\u8ca1\u597d\u6587\u7ae0\uff1a<\/p>\n<p>1.\u00a0<a href=/index.html"https:\/\/\/blog-pos-14\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">\u60f3\u5b78\u6295\u8cc7\u7406\u8ca1\uff1f\u5148\u770b\u61c2\u300c\u73fe\u91d1\u6d41\u300d<\/a><\/p>\n<p>2. <a href=/index.html"https:\/\/\/blog-page_30\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">\u6295\u8cc7\u5f9e\u95b1\u8b80\u958b\u59cb\uff1a\u5206\u4eab\u6211\u7684\u6295\u8cc7\u66f8\u55ae<\/a><\/p>\n<p><br \/><strong><span style=\"color: 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