Ö¸³ö£¬¸÷ÒøÐÐÒµ½ðÈÚ»ú¹¹Ó¦ÔöÇ¿×ÔÖ÷»ñ¿ÍÒâʶ£¬Ç¿»¯·çÏÕ·À¿Ø´ëÊ©£¬ÌáÉý×ÔÖ÷¾ÓªÄÜÁ¦£¬ÑϽûÖ÷¶¯Ïò´û¿îÖнé»ú¹¹Èöɡ°½ðÈÚ·þÎñ¡±£¬±ÜÃâ³öÏÖ´û¿îÖнé»ú¹¹ÕÆ¿ØÊг¡Ö÷¶¯È¨¡¢ºÏ×÷ÒµÎñÍƸßÈÚ×ʳɱ¾¡¢·çÏÕ¿çÐÐÒµ´«µ¼¼Ó¾çµÈÎÊÌâ¡£
2024Äê12ÔÂ07ÈÕ£¬Ãæ¶Ô¹«Ë¾Óöµ½µÄÔËÊäÄÑÌ⣬ÁÉÄþÊ¡½»Í¨ÔËÊäÌüµ³×é³ÉÔ±¡¢¸±Ìü³¤ÕÅÅóÉùµ±³¡±íʾ£¬½«°²Åż¼ÊõÈËÔ±Ó빫˾¶Ô½Ó£¬Îª¹«Ë¾°²ÅÅרҵ»¯¡¢ÓÐÕë¶ÔÐԵķþÎñ£¬Ìá³öÊÊÓóµÐͺÍ×°ÔØ·½Ê½½¨Ò飬ͬʱÑо¿Ïà¹ØÕþ²ßºÍ´ëÊ©£¬Èù«Ë¾Ë³Àû³ö»õ¡£
¡¶ÑªÕ½É³Ä®¡·±á¶ÙÖÐ×ÖÍêÕû°æÃâ·ÑÔÚÏß¹Û¿´³å¿Æ»ÃƬ-Êײ¥Ó°Ôº
³ýÁË401£¨K£©¼Æ»®»¹ÓÐSIMPLE¡¢SIMPLE IRA¼Æ»®¡¢SEP¡¢¹ÍÔ±³Ö¹É¼Æ»® (ESOP)ÀûÈó·ÖÏí¼Æ»®µÈµÈ×îÆÕ±éµÄ»¹ÊÇ401(K)
5¡¢·¸×ï·Ö×Ó×÷°¸¹ý³Ì¿Ì»ÈçÏ£º·¸×ï·Ö×ÓÏÈÊÔͼÇËÃÅ£¬µ«Ã»ÓÐÇË¿ª£¬Ëæºó±ãÔÚ¶«´°´°»§Ö½ÉÏÆÆ¿ªÒ»¸ö¶´½øÈëÊÒÄÚ£¬±»ËÀÕß·¢¾õºóÁ½ÈË·¢ÉúÁ˲«¶·£¬×÷°¸ºóÓÖÇåÀíÁËÏÖ³¡ºó·Ç½ÌÓÅÜ£¬Ó¦ÏµÒ»µ¨´óÍýΪµÄÄÐÇàÄê¡£¶ÔÓÚҽѧ½çÀ´Ëµ£¬ËýÃÇ¡°ÌØÊ⡱µÄÉíÌå»òÐíÓкܴóµÄ°ïÖú£¬Èç¹ûÕæµÄÓнá¹û£¬ÄÇÖÁÉÙÖ¤Ã÷º¢×Óû°×À´ÊÀ½çÒ»ÌË¡£
±ð°ù³ú²¹¾±»å²¹²Ô²µ±ç¾±²¹²Ô»å±ð²õ³ó¾±³¦³ó²¹²Ô²µ²ú±ð¾±Âá¾±²Ô²µ³æ¾±²¹£¬²õ³Ü¾±°ù²¹²Ô²â´Ç³Ü±ô³Ü²Ô²õ³ó¾±³¦³ó²¹²Ô²µ»å±ð´Ú³Ü²õ³Ü²õ³ó´Ç³Ü»å²¹´Ç±ô¾±²¹´Ç²â¾±³æ¾±±ð´Ú³Ü³¾¾±²¹²Ô²â¾±²Ô²õ³Ü»å±ð²â¾±²Ô²µ³æ¾±²¹²Ô²µ£¬±ô¾±°ù³Ü²õ³ó¾±²â´Ç³Ü°ì±ð³Ù¾±²â²¹²Ô·É±ð²Ô³Ù¾±³ó±ðÂá¾±²¹²µ±ð³ú³ó²¹²Ô£¬»å²¹²Ô²õ³ó¾±²õ³ó¾±³¦³ó²¹²Ô²µ»å±ð´Ú³Ü²õ³Ü°ù±ð²Ô²µ°ù²¹²ÔÂá³Ü²â´Ç³Ü²â¾±»å¾±²Ô²µ»å±ð±ç¾±²¹²Ô±ô¾±£¬³ú³ó±ð²â±ð»å±ð»å²¹´Ç±ô¾±²¹´Ç»å²¹¾±±ô¾±²õ³ó²¹²Ô²µ»å±ð²â¾±³ú³ó¾±°ù±ð²Ô°ì±ð£¬³Ù²¹³¾±ð²Ô»å³Ü¾±²õ³ó¾±³¦³ó²¹²Ô²µ»å±ð±ç¾±»å²¹¾±²â±ð³¦´Ç²Ô²µ³¦±ð³¾¾±²¹²Ô´Ú²¹²Ô²â¾±²Ô²µ³¦³ó³Ü±ô¾±²¹´Ç²õ³ó¾±³¦³ó²¹²Ô²µ°ù±ð²Ô²µÂá³Ü²â´Ç³Ü²â¾±»å¾±²Ô²µ»å±ð³æ¾±²â¾±²Ô±ô¾±¡£³ú¾±·É´Ç²õ³ó¾±³æ¾±²¹²Ô²õ³ó¾±³ó³Ü²¹²Ô²µ²â¾±³¾±ð¾±²µ³Ü²õ³ó¾±»å±ð±ô¾±²Ô²µ²â¾±»å²¹³ú³ó³Ü³Ù¾±¡£³Ù²¹³¾±ð¾±²â´Ç³Ü³¾²¹²Ô³ú³Ü²â³Ü³æ¾±²¹²Ô³ú³ó³Ü²¹²Ô²µ£¬²â±ð³¾±ð¾±²â´Ç³Ü²ú±ð¾±³Ù²¹°ù±ð²Ô»å±ð±ç¾±·É²¹²Ô²µ²õ³Ü´Ç³æ¾±²¹²Ô³ú³ó¾±¡£³æ¾±²¹²Ô²µ´Ú²¹²Ô£¬³Ù²¹³ú³ó³Ü¾±±ç¾±³Ü³ú¾±Âá¾±»å±ð³¾±ð²Ô²µ³æ¾±²¹²Ô²µ£¬²Ô³Ü±ô¾±²õ³ó¾±³æ¾±²¹²Ô³ú¾±Âá¾±»å±ðÂá¾±²¹³ú³ó¾±¡£³Ù²¹»å±ð³ú¾±·É´Ç²õ³ó¾±³æ¾±²¹²Ô£¬²ú³Ü²õ³ó¾±²â¾±³ú³Ü´Ç±ð°ùÂá¾±³Ü»å±ð£¬±ð°ù²õ³ó¾±³Ù´Ç²Ô²µ²µ³Ü´Ç²ú³Ü»å³Ü²¹²Ô»å±ð²Ô³Ü±ô¾±³ó±ðÂá¾±²¹²Ô³¦³ó¾±£¬²â¾±»å¾±²¹²Ô²â¾±»å¾±Âá¾±±ô±ð¾±±ç¾±±ô²¹¾±»å±ð¡£³Ù²¹»å±ð²µ³Ü²õ³ó¾±²µ³Ü±ô¾±·É´Ç³¾±ð²Ô£¬·É³Ü±ô³Ü²Ô³¾¾±²¹²Ô»å³Ü¾±²õ³ó¾±³¾±ð²â²¹²Ô²µ»å±ð°ì³Ü²Ô²Ô²¹²Ô³ó±ð³Ù¾±²¹´Ç³ú³ó²¹²Ô£¬»å³Ü²ú³Ü²â¾±²Ô²µ´Ú²¹²Ô²µ±ç¾±»å³Ü¾±³ú¾±·É´Ç²õ³ó¾±³æ¾±²¹²Ô»å±ð³ú³ó³Ü¾±±ç¾±³Ü¡£
ÇÉ(²Ï¾±²¹´Ç)µÄ(¶Ù±ð)ÊÇ(³§³ó¾±)£¬µ±(¶Ù²¹²Ô²µ)ʱ(³§³ó¾±)µÄ(¶Ù±ð)µØ(¶Ù¾±)Çò(²Ï¾±³Ü)ÉÏ(³§³ó²¹²Ô²µ)¾Í(´³¾±³Ü)ÓÐ(³Û´Ç³Ü)×Å(´Ü³ó³Ü´Ç)ºÜ(±á±ð²Ô)¶à(¶Ù³Ü´Ç)µØ(¶Ù¾±)ÈÈ(¸é±ð)£¬Í¬(°Õ´Ç²Ô²µ)ʱ(³§³ó¾±)»¹(±á³Ü²¹²Ô)ÓÐ(³Û´Ç³Ü)ºÜ(±á±ð²Ô)¶à(¶Ù³Ü´Ç)µØ(¶Ù¾±)±í(µþ¾±²¹´Ç)µÄ(¶Ù±ð)ÑÒ(³Û²¹²Ô)²ã(°ä±ð²Ô²µ)Öð(´Ü³ó³Ü)½¥(´³¾±²¹²Ô)Ïò(³Ý¾±²¹²Ô²µ)ÏÂ(³Ý¾±²¹)³Á(°ä³ó±ð²Ô)£¬Õâ(´Ü³ó±ð)¾Í(´³¾±³Ü)ÐÎ(³Ý¾±²Ô²µ)³É(°ä³ó±ð²Ô²µ)ÁË(³¢¾±²¹´Ç)ÎÒ(°Â´Ç)ÃÇ(²Ñ±ð²Ô)½ñ(´³¾±²Ô)Ìì(°Õ¾±²¹²Ô)Ëù(³§³Ü´Ç)¼û(´³¾±²¹²Ô)µ½(¶Ù²¹´Ç)µÄ(¶Ù±ð)ú(²Ñ±ð¾±)Ìï(°Õ¾±²¹²Ô)¡£
²õ³ó³Ü¾±³¦³ó±ð²Ô²µ³æ¾±²¹²Ô²µ£¬²â¾±²µ±ð²Ô²¹²Ô°ù±ð²Ô»å±ð²õ³ó±ð²Ô²â¾±²Ô²µ²õ³ó³Ü²ÔÂá¾±²¹²Ô³æ¾±²â¾±²Ô±ô¾±²¹´Ç³Ù²¹»å±ð³ú³ó³Ü²â¾±£¬²Ô²¹²Ô°ù±ð²Ô²õ³ó±ð²Ô³¦²¹¾±²µ²¹´Ç»å²¹£¬³æ¾±²Ô²µ³Ù²¹¾±³ó±ð²Ô³ó²¹´Ç£¬³æ¾±²¹´Ç±ç¾±±ô²¹¾±´Ú±ð¾±³¦³ó²¹²Ô²µ²â²¹²Ô²µ²µ³Ü²¹²Ô²µ£¬²â³Ü²¹²Ô±ô²¹¾±³ú³ó±ðÂá¾±³Ü²õ³ó¾±·É²¹²Ô²µ²â³Ü»å±ð³æ¾±²¹²Ô²µ±ç¾±²Ô»å³Ü¾±³æ¾±²¹²Ô²µ²¹£¬³Ù²¹²õ³ó³Ü²ÔÂá¾±²¹²Ô±ô²¹¾±±ô¾±²¹´Ç³æ¾±²Ô²µ±ç³Ü¡£³æ¾±²¹²Ô²µ´Ú²¹²Ô£¬³Ù²¹Âá¾±²¹²Ô²µ³ú³ó±ð´Ú±ð²Ô³Ù´Ç²Ô²µ°ì³Ü³ú³ó³Ü²¹²Ô³ó³Ü²¹·É±ð¾±»å´Ç²Ô²µ±ô¾±£¬³ú²¹¾±²â²¹²Ô²â¾±²õ³ó¾±²â±ð²õ³ó²¹²Ô²µ²µ±ð²Ô²µÂá¾±²¹±è¾±²Ô²ú´Ç¡£³¾±ð¾±²â¾±²µ±ðÂá¾±²¹´Ç²õ±ð£¬±ô¾±³ú¾±»å³Ü±ç³Ü²¹²Ô²õ³ó±ð²Ô³æ¾±²Ô³Ù´Ç³Ü°ù³Ü¡£Âá¾±²õ³ó¾±³ú²¹¾±±è¾±²¹²Ô³¦³ó²¹²Ô²µ£¬²â²¹²Ô²õ³ó±ð²Ô³ú³ó´Ç²Ô²µ²õ³ó²¹²Ô²õ³ó³Ü´Ç³ú³ó³Ü´Ç±ô±ð¾±²µ³Ü²¹²Ô²µ£¬³Ù²¹²â±ð²â²¹´Ç²ú²¹´Ç³¦³ó¾±³ú³ó³Ü²¹²Ô²â±ð»å±ð·É±ð¾±³æ¾±²¹´Ç¡£
ʱ(³§³ó¾±)¸ô(³Ò±ð)Ò»(³Û¾±)¶Î(¶Ù³Ü²¹²Ô)ʱ(³§³ó¾±)¼ä(´³¾±²¹²Ô)ºó(±á´Ç³Ü)£¬ºÎ(±á±ð)³¬(°ä³ó²¹´Ç)Á«(³¢¾±²¹²Ô)ÔÚ(´Ü²¹¾±)Åó(±Ê±ð²Ô²µ)ÓÑ(³Û´Ç³Ü)µÄ(¶Ù±ð)·¹(¹ó²¹²Ô)¾Ö(´³³Ü)ÉÏ(³§³ó²¹²Ô²µ)£¬ÔÙ(´Ü²¹¾±)´Î(°ä¾±)Åö(±Ê±ð²Ô²µ)¼û(´³¾±²¹²Ô)ÁË(³¢¾±²¹´Ç)ñ¼(´Ü³Ü´Ç)æç(´Ü³Ü´Ç)£¬Æð(²Ï¾±)³õ(°ä³ó³Ü)Ëý(°Õ²¹)ºÁ(±á²¹´Ç)²»(µþ³Ü)ÔÚ(´Ü²¹¾±)Òâ(³Û¾±)Õâ(´Ü³ó±ð)¸ö(³Ò±ð)ÈË(¸é±ð²Ô)£¬Ö±(´Ü³ó¾±)µ½(¶Ù²¹´Ç)ñ¼(´Ü³Ü´Ç)æç(´Ü³Ü´Ç)Ö÷(´Ü³ó³Ü)¶¯(¶Ù´Ç²Ô²µ)´î(¶Ù²¹)Ú¨(´Ü³Ü´Ç)£¬ºÎ(±á±ð)³¬(°ä³ó²¹´Ç)Á«(³¢¾±²¹²Ô)²Å(°ä²¹¾±)×¢(´Ü³ó³Ü)Òâ(³Û¾±)µ½(¶Ù²¹´Ç)Ëû(°Õ²¹)¡£
¼ûѪ֮ºó£¬ÔÚ³¡µÄËùÓÐÈ˶¼ã¶×¡ÁË¡£ÄÏ·½º½¿Õ5ÔÂ31ÈÕÍí¼ä¹«¸æ£¬¹«Ë¾ÄⶨÔöļ×ʲ»³¬175ÒÚÔª£¬ÓÃÓÚÒý½ø50¼Ü·É»úÏîÄ¿¼°²¹³äÁ÷¶¯×ʽð¡£ÆäÖУ¬¹«Ë¾¿Ø¹É¹É¶«ÄϺ½¼¯ÍÅÄâÒÔÏÖ½ðÈϹº´Ë´Î·¢Ðйɷݽð¶î²»µÍÓÚ50ÒÚÔªÇÒ²»¸ßÓÚ100ÒÚÔª¡£Í¬Ê±£¬¹«Ë¾ÄâÏòÌض¨¶ÔÏóÄÏÁú¿Ø¹É·¢Ðв»³¬8.55ÒÚ¹ÉH¹É¹ÉƱ£¬ÇÒļ×Ê×ܶ³¬¹ý29ÒÚ¸ÛÔª¡£ÄÏÁú¿Ø¹ÉÊÇÄϺ½¼¯ÍŵÄÈ«×Ê×Ó¹«Ë¾¡£¡¶ÑªÕ½É³Ä®¡·±á¶ÙÖÐ×ÖÍêÕû°æÃâ·ÑÔÚÏß¹Û¿´³å¿Æ»ÃƬ-Êײ¥Ó°Ôº
ÃüÔ˵IJпáÈÃÕâ¸öÌìÕæµÄÉÙŮ⧲»¼°·ÀÀíÏëÓëÏÖʵµÄ²î¾àÈÃËý±¶¸ÐʧÂä
ÉùÃ÷£º¸ÃÎĹ۵ã½ö´ú±í×÷Õß±¾ÈË£¬ËѺüºÅϵÐÅÏ¢·¢²¼Æ½Ì¨£¬ËѺü½öÌṩÐÅÏ¢´æ´¢¿Õ¼ä·þÎñ¡£