What Is a 401(k) Plan? A 401(k) plan is a tax-advantaged, defined-contribution retirement account offered by many employers to their employees.
什麼是401(k)退休福利計劃? 401(k) 退休福利計劃是雇主向其員工所提供稅收優惠的定期存款退休帳戶。
What is the contribution maximum? The maximum amount that an employee or employer can contribute to a 401(k) plan is adjusted periodically to account for inflation. As of 2019, the basic limits on employee contributions are $19,000 per year for workers under age 50 and $25,000 for those 50 and up
401(k)退休計畫的存款上限為? 員工或是雇主每年能存款至401(k)退休福利計畫的存款金額上限，將會以每年的通貨膨脹費率而進行調整，而2019年的存款金額上限為：50歲以下的員工可繳最多美金$19,000，50歲以上的員工則可繳最多美金$25,000。
How to withdrawals from a 401(k) plan? Both traditional and Roth 401(k) owners must be at least age 59½—or meet other criteria spelled out by the IRS, such as being totally and permanently disabled—when they start to make withdrawals. Otherwise, they will face an additional 10% early-distribution penalty tax on top of any other tax they owe.
如何從401(k)退休計畫內取款? 在傳統401(k)或是羅斯401(k)退休福利計畫內提款時，需年滿59½歲或符合美國國稅局規定的其他條件，例如完全永久喪失工作能力，否則則須繳交稅款以及繳交10%的罰款。
若您有更多關於健康保險的相關問題，歡迎諮詢！
If you have more question about health insurance, feel free to contact us!
電話 Phone: 626-912-1988
Email: info@epiagroup.com
文章來源 (Source): https://www.investopedia.com/terms/1/401kplan.asp
Comments