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2.0\u7acb\u6cd5\u65f6\u8bbe\u5b9a\u4e86\u56fa\u5b9a\u57fa\u6570\uff0c\u5c1a\u672a\u89e6\u53d1\u8c03\u6574\u6761\u4ef6\u3002\u6240\u4ee5\u51fa\u73b0\u4e86\u201c\u4f4e\u9f84\u6bb5\u6da8\u3001\u9ad8\u9f84\u6bb5\u7a33\u201d\u7684\u9519\u4f4d\u3002<\/p>\n<blockquote><p>\u201c\u5bf9\u4e8e\u53c2\u4e0e\u5927\u591a\u6570401(k)\u3001403(b)\u3001\u653f\u5e9c457\u8ba1\u5212\u4ee5\u53ca\u8054\u90a6\u653f\u5e9c\u8282\u4fed\u50a8\u84c4\u8ba1\u5212\u768450\u5c81\u53ca\u4ee5\u4e0a\u5458\u5de5\uff0c\u5176\u8865\u7f34\u4f9b\u6b3e\u9650\u989d\u4ece2025\u5e74\u76847,500\u7f8e\u5143\u63d0\u9ad8\u81f38,000\u7f8e\u5143\u3002\u2026\u20262026\u5e74\uff0c\u8fd9\u4e00\u66f4\u9ad8\u7684\u8865\u7f34\u4f9b\u6b3e\u9650\u989d\u4ecd\u4e3a11,250\u7f8e\u5143\uff0c\u800c\u975e\u4e0a\u8ff0\u76848,000\u7f8e\u5143\u3002\u201d\u2014\u2014IRS\u516c\u544aIR-2025-111<\/p><\/blockquote>\n<p>\u8ba1\u5212\u5141\u8bb8\u662f\u524d\u63d0\u3002\u4e0d\u662f\u6240\u6709\u96c7\u4e3b\u8ba1\u5212\u90fd\u5f00\u901a\u4e86\u8d85\u7ea7\u8865\u7f34\u9009\u9879\uff0c\u53c2\u4e0e\u524d\u9700\u8981\u5411\u8ba1\u5212\u7ba1\u7406\u4eba\u786e\u8ba4\u3002<\/p>\n<h2>IRA\u8865\u7f34\u53ea\u6da8100\uff0c\u8fd8\u503c\u5f97\u591a\u5b58\u5417\uff1f<\/h2>\n<p>IRA\u768450\u5c81\u4ee5\u4e0a\u8865\u7f34\u4ece1000\u52301100\uff0c\u6da8\u5e45\u786e\u5b9e\u4e0d\u5927\u3002\u4f46\u771f\u95ee\u9898\u5728\u4e8e\uff1aIRA\u548c401(k)\u7684\u8865\u7f34\u903b\u8f91\u5b8c\u5168\u4e0d\u540c\u3002IRA\u7684\u8865\u7f34\u989d\u5ea6\u662f\u52a0\u5728\u666e\u901a\u7f34\u8d39\u4e4b\u4e0a\u7684\uff0c2026\u5e7450\u5c81\u4ee5\u4e0a\u6700\u591a\u53ef\u7f347500+1100=8600\u7f8e\u5143\u3002\u5bf9\u4e8e\u6ca1\u6709\u96c7\u4e3b\u8ba1\u5212\u3001\u6216\u8005\u96c7\u4e3b\u5339\u914d\u5df2\u7ecf\u62ff\u6ee1\u7684\u4eba\u6765\u8bf4\uff0cIRA\u8865\u7f34\u4ecd\u7136\u662f\u4f4e\u6210\u672c\u9501\u5b9a\u9000\u4f11\u8d44\u4ea7\u7684\u65b9\u5f0f\u3002<\/p>\n<p>\u503c\u4e0d\u503c\u5f97\uff0c\u53d6\u51b3\u4e8e\u4f60\u7684\u8fb9\u9645\u7a0e\u7387\u548c\u9000\u4f11\u540e\u7684\u53d6\u6b3e\u7a0e\u7387\u3002\u4f20\u7edfIRA\u7f34\u6b3e\u53ef\u62b5\u7a0e\uff0cRoth IRA\u7f34\u6b3e\u7528\u7a0e\u540e\u8d44\u91d1\u4f46\u9000\u4f11\u53d6\u6b3e\u514d\u7a0e\u3002\u5982\u679c\u5f53\u524d\u7a0e\u7387\u9ad8\u4e8e\u9884\u671f\u9000\u4f11\u7a0e\u7387\uff0c\u4f20\u7edfIRA\u7684\u62b5\u7a0e\u4ef7\u503c\u8fdc\u8d85\u90a3100\u7f8e\u5143\u7684\u589e\u91cf\u3002<\/p>\n<p>Roth IRA\u7684\u6536\u5165\u95e8\u69db\u4e5f\u5728\u52a8\u30022026\u5e74\u5355\u8eab\u6216\u6237\u4e3b\u8eab\u4efd\u7684\u9010\u6b65\u53d6\u6d88\u533a\u95f4\u4ece15\u4e07-16.5\u4e07\u7f8e\u5143\u4e0a\u8c03\u81f315.3\u4e07-16.8\u4e07\u7f8e\u5143\uff1b\u5df2\u5a5a\u8054\u5408\u7533\u62a5\u4ece23.6\u4e07-24.6\u4e07\u8c03\u523024.2\u4e07-25.2\u4e07\u7f8e\u5143\u3002MAGI\u4f4e\u4e8e15.3\u4e07\u7684\u5355\u8eab\u7eb3\u7a0e\u4eba\u53ef\u4ee5\u5168\u989d\u7f34\u6b3e\uff0c\u8d85\u8fc716.8\u4e07\u5219\u5b8c\u5168\u6ca1\u6709\u8d44\u683c\u3002<\/p>\n<h2>2027\u5e74\u4f1a\u52302.55\u4e07\u5417\uff1f\u4ec0\u4e48\u65f6\u5019\u77e5\u9053\uff1f<\/h2>\n<p>Milliman\u7684\u6d4b\u7b97\u663e\u793a2027\u5e74401(k)\u4e0a\u9650\u53ef\u80fd\u8fbe\u52302.55\u4e07\u7f8e\u5143\uff0c\u4f46\u8fd9\u662f\u7cbe\u7b97\u9884\u6d4b\uff0c\u4e0d\u662f\u5b98\u65b9\u6570\u5b57\u3002\u5b98\u65b9\u6570\u5b57\u9884\u8ba12026\u5e7410-11\u6708\u516c\u5e03\u2014\u2014IRS\u901a\u5e38\u6bcf\u5e74\u79cb\u5b63\u53d1\u5e03\u4e0b\u4e00\u5e74\u5ea6\u7684\u8c03\u6574\u516c\u544a\u3002<\/p>\n<p>\u5bf9\u4e8e50+\u4e2d\u4ea7\u5bb6\u5ead\uff0c\u771f\u6b63\u8be5\u76ef\u7684\u4e0d\u662f\u660e\u5e74\u6da8\u591a\u5c11\uff0c\u800c\u662f\u81ea\u5df1\u6709\u6ca1\u6709\u7528\u6ee1\u5f53\u5e74\u7684\u989d\u5ea6\u30022.45\u4e07\u7f8e\u5143\u7684\u666e\u901a\u4e0a\u9650\u52a0\u4e0a8000\u7f8e\u5143\u8865\u7f34\uff0c\u5408\u8ba13.25\u4e07\u7f8e\u5143\uff1b\u5982\u679c\u8ba1\u5212\u5141\u8bb8\u4e14\u5e74\u9f84\u572860-63\u5c81\uff0c\u5408\u8ba1\u53ef\u8fbe3.575\u4e07\u7f8e\u5143\u3002\u8fd9\u4e9b\u6570\u5b57\u80cc\u540e\uff0c\u662f\u51e0\u5341\u5e74\u590d\u5229\u7684\u65f6\u95f4\u7a97\u53e3\u3002<\/p>\n<p>401(k)\u603b\u7f34\u8d39\u4e0a\u9650\uff08\u542b\u96c7\u4e3b\u5339\u914d\uff092026\u5e74\u4e3a7.2\u4e07\u7f8e\u5143\uff0c\u8fd9\u662f\u5458\u5de5\u52a0\u96c7\u4e3b\u7684\u5408\u8ba1\u53e3\u5f84\uff0c\u548c\u4e2a\u4ebadeferral\u662f\u4e24\u56de\u4e8b\u3002\u5f88\u591a\u4eba\u628a\u8fd9\u4e24\u4e2a\u6570\u5b57\u641e\u6df7\uff0c\u4ee5\u4e3a\u81ea\u5df1\u80fd\u5b587.2\u4e07\u2014\u2014\u5b9e\u9645\u4e0a\u4e2a\u4eba deferral \u90e8\u5206\u7684\u4e0a\u9650\u5c31\u662f2.45\u4e07\uff0850\u5c81\u4ee5\u4e0b\uff09\u62163.25\u4e07\uff0850\u5c81\u4ee5\u4e0a\uff09\u3002<\/p>\n<p>\u4e2d\u7f8e\u517b\u8001\u8d26\u6237\u7684\u5dee\u8ddd\u4e0d\u5728\u500d\u6570\uff0c\u5728\u5236\u5ea6\u5f39\u6027\u3002\u7f8e\u56fd\u7684401(k)\u6709\u96c7\u4e3b\u5339\u914d\u3001\u6709\u8865\u7f34\u673a\u5236\u3001\u6709Roth\u9009\u9879\uff1b\u56fd\u5185\u4e2a\u4eba\u517b\u8001\u91d1\u5e74\u7f34\u4e0a\u96501.2\u4e07\u5143\u4eba\u6c11\u5e01\uff0c\u4e14\u7f3a\u4e4f\u96c7\u4e3b\u5339\u914d\u73af\u8282\u3002\u5bf9\u4e8e\u6709\u8de8\u5883\u6536\u5165\u6216\u7f8e\u5143\u8d44\u4ea7\u914d\u7f6e\u9700\u6c42\u7684\u4e2d\u4ea7\u5bb6\u5ead\uff0c\u7406\u89e3\u8fd9\u4e9b\u89c4\u5219\u5dee\u5f02\uff0c\u6bd4\u5355\u7eaf\u6bd4\u8f83\u6570\u5b57\u66f4\u6709\u5b9e\u9645\u610f\u4e49\u3002<\/p>\n<p><!-- shiyao-sources-START --><\/p>\n<div class=\"shiyao-sources\" style=\"margin:40px 0 20px;padding:20px 24px;background:#f7f4ed;border-left:3px solid #8B7355;border-radius:4px;font-size:14px;line-height:1.8\">\n<h3 style=\"margin:0 0 12px;font-size:16px;font-weight:600;color:#3A352F;letter-spacing:.05em\">\u4fe1\u606f\u6765\u6e90<\/h3>\n<p style=\"margin:0 0 10px;color:#666;font-size:13px\">\u672c\u6587\u6574\u7406\u81ea\u4ee5\u4e0b\u516c\u5f00\u6750\u6599\uff1a<\/p>\n<ul style=\"margin:0 0 14px;padding-left:20px;color:#3A352F\">\n<li><a href=\"https:\/\/www.irs.gov\/zh-hans\/newsroom\/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500\" target=\"_blank\" rel=\"noopener nofollow\">2026\u5e74401(k)\u8ba1\u5212\u4f9b\u6b3e\u9650\u989d\u589e\u81f324,500\u7f8e\u5143\uff0c\u4e2a\u4eba\u9000\u4f11\u8d26\u6237(IRA)\u4f9b\u6b3e\u9650\u989d\u589e\u81f37,500\u7f8e\u5143 | Internal Revenue Service<\/a><\/li>\n<li><a href=\"https:\/\/www.empower.com\/the-currency\/work\/401k-contribution-limits\" target=\"_blank\" rel=\"noopener nofollow\">401(k) contribution limits for 2025 and 2026<\/a><\/li>\n<li><a href=\"https:\/\/www.fidelity.com\/learning-center\/smart-money\/ira-contribution-limits\" target=\"_blank\" rel=\"noopener nofollow\">IRA contribution limits for 2026 &#8211; Fidelity Investments<\/a><\/li>\n<li><a href=\"https:\/\/www.irs.gov\/newsroom\/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500\" target=\"_blank\" rel=\"noopener nofollow\">401(k) limit increases to $24500 for 2026, IRA &#8230;<\/a><\/li>\n<li><a href=\"https:\/\/retirement.johnhancock.com\/us\/en\/viewpoints\/retirement-readiness\/what-do-the-irs-contribution-limits-mean-for-your-retirement-acc\" target=\"_blank\" rel=\"noopener nofollow\">2026 IRS Contribution Limits<\/a><\/li>\n<li><a href=\"https:\/\/www.fidelity.com\/learning-center\/smart-money\/401k-contribution-limits\" target=\"_blank\" rel=\"noopener nofollow\">401(k) contribution limits 2026<\/a><\/li>\n<li><a href=\"https:\/\/www.adp.com\/resources\/articles-and-insights\/articles\/4\/401k-contribution-limits.aspx\" target=\"_blank\" rel=\"noopener nofollow\">401(k) Contribution Limits |2026, 2025 and Earlier<\/a><\/li>\n<li><a href=\"https:\/\/www.nrsforu.com\/rsc-preauth\/investing\/irs-limits\" target=\"_blank\" rel=\"noopener nofollow\">IRS Contribution Limits<\/a><\/li>\n<\/ul>\n<p style=\"margin:0;color:#777;font-size:12.5px;font-style:italic\">\u672c\u6587\u7531 Dion \u6574\u7406\u4e0e\u64b0\u5199\uff0c\u7ed3\u5408 AI \u5de5\u5177\u8f85\u52a9\u3002\u5982\u6709\u4e8b\u5b9e\u9519\u8bef\uff0c\u8bf7\u901a\u8fc7\u9875\u811a\u8054\u7cfb\u65b9\u5f0f\u53cd\u9988\u3002<\/p>\n<\/div>\n<p><!-- shiyao-sources-END --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2026\u5e74\u7f8e\u56fd401(k)\u666e\u901a\u7f34\u8d39\u4e0a\u9650\u6da8\u81f32.45\u4e07\u7f8e\u5143\uff0c50\u5c81\u4ee5\u4e0a\u53ef\u518d\u8ffd\u52a08000\u7f8e\u5143\uff0c60-63\u5c81\u7279\u6b8a\u8865\u7f34\u7ef4\u630111250\u7f8e\u5143\u4e0d\u53d8\uff1bIRA\u666e\u901a\u7f34\u8d397500\u7f8e\u5143\uff0c50+\u8ffd\u52a0\u4ec51100\u7f8e\u5143\u3002\u6838\u5fc3\u6570\u5b57\u6e90\u81eaIRS\u516c\u544a\u539f\u6587\uff0c\u5f85IRS\u5b98\u7f51\u56de\u6eaf\u9a8c\u8bc1\u3002\u4e2d\u7f8e\u517b\u8001\u8d26\u6237\u7684\u5dee\u8ddd\uff0c\u6bd4\u6570\u5b57\u672c\u8eab\u66f4\u503c\u5f97\u770b\u3002<\/p>\n","protected":false},"author":1,"featured_media":1132,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth"],"_links":{"self":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts\/1131","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/comments?post=1131"}],"version-history":[{"count":0,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts\/1131\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/media\/1132"}],"wp:attachment":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/media?parent=1131"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/categories?post=1131"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/tags?post=1131"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}