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\u8fd9\u4e2a\u5dee\u8ddd\u4e0d\u662f\u7b80\u5355\u7684”\u7f8e\u56fd\u66f4\u6709\u94b1”\uff0c\u800c\u662f\u4e24\u56fd\u517b\u8001\u4f53\u7cfb\u7684\u7ed3\u6784\u6027\u5dee\u5f02\u3002\u7f8e\u56fd401(k)\u662f\u81ea\u613f\u50a8\u84c4\u7684\u4e3b\u5f15\u64ce\uff0c\u653f\u5e9c\u7528\u5927\u989d\u7a0e\u4f18\u6362\u4f60\u591a\u5b58\u94b1\uff1b\u4e2d\u56fd\u4e2a\u4eba\u517b\u8001\u91d1\u662f\u7b2c\u4e09\u652f\u67f1\u7684\u8865\u5145\uff0c\u76ee\u524d\u5b9a\u4f4d\u662f”\u4fdd\u57fa\u672c”\u4e4b\u4e0a\u7684\u589e\u91cf\u3002<\/p>\n
\u7f8e\u56fd\u56fd\u7a0e\u5c40\uff08IRS\uff092025\u5e7411\u670813\u65e5\u53d1\u5e03\u901a\u77e5\uff0c2026\u5e74401(k)\u4e2a\u4eba\u7f34\u8d39\u4e0a\u9650\u4ece23,500\u7f8e\u5143\u63d0\u9ad8\u81f324,500\u7f8e\u5143\uff1bIRA\uff08\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff09\u4ece7,000\u7f8e\u5143\u63d0\u9ad8\u81f37,500\u7f8e\u5143\u300250\u5c81\u53ca\u4ee5\u4e0a\u53c2\u4e0e401(k)\u7684\u5458\u5de5\uff0c\u8865\u7f34\u989d\u5ea6\u4ece7,500\u7f8e\u5143\u589e\u81f38,000\u7f8e\u5143\uff0c\u5168\u5e74\u6700\u9ad8\u53ef\u7f3432,500\u7f8e\u5143\u300260\u81f363\u5c81\u4eba\u7fa4\u9002\u7528”\u8d85\u7ea7\u8865\u7f34”\uff0c\u4e0a\u9650\u7ef4\u630111,250\u7f8e\u5143\uff0c\u5168\u5e74\u6700\u9ad8\u53ef\u8fbe35,750\u7f8e\u5143\u3002<\/p>\n
\u76ee\u524d\u4ecd\u4e3a12,000\u5143\/\u5e74\uff0c\u8fd9\u4e00\u6807\u51c6\u81ea2022\u5e74\u5236\u5ea6\u8bd5\u70b9\u4ee5\u6765\u672a\u4f5c\u8c03\u6574\u3002\u6309\u73b0\u884c\u6c47\u7387\u6298\u7b97\uff0c\u7f8e\u56fd401(k)\u4e0a\u9650\u7ea6\u662f\u4e2d\u56fd\u768414.6\u500d\uff0c\u901a\u5e38\u8868\u8ff0\u4e3a”\u8fd115\u500d”\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c12,000\u5143\u662f\u7f34\u8d39\u4e0a\u9650\uff0c\u4e0d\u662f\u7a0e\u4f18\u989d\u5ea6\u4e0a\u9650<\/strong>\u2014\u2014\u5b9e\u9645\u4eab\u53d7\u7a0e\u524d\u6263\u9664\u7684\u91d1\u989d\u4e5f\u4ee5\u6b64\u4e3a\u9650\u3002<\/p>\n \u4eba\u793e\u90e82026\u5e747\u670821\u65e5\u5370\u53d1\u300a\u4eba\u529b\u8d44\u6e90\u548c\u793e\u4f1a\u4fdd\u969c\u4e8b\u4e1a\u53d1\u5c55”\u5341\u4e94\u4e94”\u89c4\u5212\u300b\uff0c\u660e\u786e”\u9010\u6b65\u63d0\u9ad8\u4e2a\u4eba\u517b\u8001\u91d1\u7f34\u8d39\u6c34\u5e73”\u8fd9\u4e00\u65b9\u5411\uff0c\u4f46\u672a\u7ed9\u51fa\u5177\u4f53\u6570\u5b57\u6216\u65f6\u95f4\u8868\u3002\u8fd9\u610f\u5473\u77401.2\u4e07\u5143\u4e0a\u9650\u77ed\u671f\u5185\u4e0d\u4f1a\u53d8\uff0c\u4f46\u653f\u7b56\u4fe1\u53f7\u5df2\u7ecf\u660e\u786e\uff1a\u63d0\u9ad8\u662f\u5927\u6982\u7387\u4e8b\u4ef6\uff0c\u53ea\u662f\u8282\u594f\u548c\u5e45\u5ea6\u5f85\u5b9a\u3002<\/p>\n IRS\u539f\u6587\uff1a”The Internal Revenue Service announced today that the amount individuals can contribute to their 401(k) plans in 2026 has increased to $24,500, up from $23,500 for 2025.”<\/p><\/blockquote>\n 401(k)\u6807\u51c6\u8865\u7f348,000\u7f8e\u5143\uff0cIRA\u8865\u7f341,100\u7f8e\u5143\u300260-63\u5c81\u4eba\u7fa4\u7684\u8d85\u7ea7\u8865\u7f34\u4e3a11,250\u7f8e\u5143\uff0c\u6bd4\u6807\u51c6\u8865\u7f34\u591a\u51fa3,250\u7f8e\u5143\u3002\u8fd9\u4e2a\u8bbe\u8ba1\u7684\u903b\u8f91\u662f\uff1a\u4e34\u8fd1\u9000\u4f11\u7684\u4eba\u50a8\u84c4\u7a97\u53e3\u77ed\uff0c\u7ed9\u66f4\u9ad8\u989d\u5ea6\u8ba9\u4ed6\u4eec\u52a0\u901f\u8865\u4ed3\u3002\u4e2d\u56fd\u4e2a\u4eba\u517b\u8001\u91d1\u76ee\u524d\u6ca1\u6709\u5206\u5e74\u9f84\u6bb5\u7684\u8865\u7f34\u673a\u5236\uff0c\u6240\u6709\u4eba\u7edf\u4e0012,000\u5143\u3002<\/p>\n 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\u7f8e\u56fd50\u5c81\u4ee5\u4e0a\u80fd\u591a\u5b58\u591a\u5c11\uff1f<\/h2>\n
\u4e2d\u7f8e\u7f34\u8d39\u4e0a\u9650\u4e3a\u4ec0\u4e48\u5dee\u8fd9\u4e48\u591a\uff1f<\/h2>\n
\u4fe1\u606f\u6765\u6e90<\/h3>\n
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