什麼是九月簡單合格退休計劃？
什麼是九月簡單合格退休計劃？
 The most common retirement accounts for the self-employed are SEP IRAs, Simple IRAs and individual 401(k)s. These plans have two factors in common: up-front tax breaks and tax-deferred saving, meaning you don't pay taxes until you withdraw the money in retirement.The Roth version of the individual 401(k) is slightly different: you don't get an up-front tax break, but your money not only grows tax free, withdrawals in retirement are also tax-free.The Simplified Employee Pension (SEP) IRA is probably your best bet.You can open one at virtually any bank, mutual fund sponsor or brokerage firm. Annual account fees are low - or non-existent.Your contribution limit is based on a simple formula: You can put away as much as 25% of your net income, up to a cap that increases periodically to keep pace with inflation - $49,000 in 2010.Money stays sheltered from taxes during your savings years, and what's additionally appealing is a SEP's funding flexibility. You can wait to fund the plan until you file your taxes. So if your income turns out to be higher than expected, you can make a large contribution and cut your tax bill. If you have a tough year, you can scale your contribution back.If you work alone now, but aspire to bigger things. Then a Savings Incentive Match Plan for Employees (SIMPLE) IRA may be better for you.With a SIMPLE IRA, you can keep investing in the same plan after you hire someone. Though don't forget what the plan name stands for: you have to match your employees' contributions, up to 3% of pay.The main problem with a SIMPLE IRA is that you can stash away no more than $11,500 a year ($14,000 if you're 50 or over), which may not be enough to meet your retirement goals. Also, if you need to make a withdrawal from a SIMPLE IRA plan within two years of its inception, the 25% penalty is significantly higher than the 10% fee you'd be charged for early withdrawal from a SEP IRA.Both the SEP IRA and individual 401(k) make it tough on sole proprietors who try to hire even one full-time employee. SEP rules can lock you into expensive contributions. With an individual 401(k), unless that employee is married to you, you'll have to stop funding your plan or convert it to the more complex and cumbersome employer version. For that, you'll surely need professional help, and you may even have to hire a third-party plan administrator. That doesn't come cheap.
問答
保險問答 多語言問答