{"id":810,"date":"2026-06-28T12:56:38","date_gmt":"2026-06-28T04:56:38","guid":{"rendered":"https:\/\/shiyao.ltd\/yanglao\/us-401k-24500-ira-7500-2026\/"},"modified":"2026-06-28T12:56:38","modified_gmt":"2026-06-28T04:56:38","slug":"us-401k-24500-ira-7500-2026","status":"publish","type":"post","link":"https:\/\/shiyao.ltd\/yanglao\/us-401k-24500-ira-7500-2026\/","title":{"rendered":"2026\u7f8e\u56fd401(k)\u4e0eIRA\u7f34\u8d39\u4e0a\u9650\uff1a24,500\/7,500\u7f8e\u5143"},"content":{"rendered":"<p><strong>2026\u5e74401(k)\u7f34\u8d39\u4e0a\u965024,500\u7f8e\u5143\uff0cIRA\u4e0a\u96507,500\u7f8e\u5143\uff1b50\u5c81\u4ee5\u4e0a\u53ef\u8ffd\u52a0\u81f332,500\u7f8e\u5143\u548c8,600\u7f8e\u5143\u3002<\/strong>\u4e24\u9879\u9650\u989d\u5747\u7531IRS\u5b98\u65b9\u516c\u5e03\uff0c\u81ea2025\u5e7411\u670813\u65e5\u8d77\u751f\u6548\u3002401(k)\u9700\u96c7\u4e3b\u63d0\u4f9b\u8ba1\u5212\uff0cIRA\u9700\u6709\u5e94\u7a0e\u6536\u5165\u4e14\u672a\u6ee170.5\u5c81\u3002<\/p>\n<p>60\u81f363\u5c81\u7684\u53c2\u4e0e\u8005\uff0c\u53ef\u4eab\u53d7\u66f4\u9ad8\u7684\u8865\u7f34\u9650\u989d\u3002\u6839\u636eSECURE 2.0\u6cd5\u6848\uff0c2026\u5e74\u8fd9\u4e00\u9650\u989d\u4e3a<strong>11,250\u7f8e\u5143<\/strong>\uff0c\u66ff\u4ee3\u6807\u51c6\u76848,000\u7f8e\u5143\u3002\u524d\u63d0\u662f\u4f60\u7684\u8ba1\u5212\u5141\u8bb8\u2014\u2014Fidelity\u5728\u76f8\u5173\u8bf4\u660e\u4e2d\u6307\u51fa\uff0c\u201c\u8fd9\u4e00\u66f4\u9ad8\u9650\u989d\u53d6\u51b3\u4e8e\u4f60\u7684\u8ba1\u5212\u662f\u5426\u5141\u8bb8\u201d\u3002<\/p>\n<h2>Roth IRA\u7684\u6536\u5165\u8d44\u683c\u95e8\u69db\u662f\u591a\u5c11\uff1f<\/h2>\n<p>Roth IRA\u7684\u7f34\u6b3e\u8d44\u683c\u4e0e\u6536\u5165\u6302\u94a9\u3002\u5355\u8eab\u7533\u62a5\u8005\uff0c\u4fee\u6539\u8c03\u6574\u540e\u603b\u6536\u5165\uff08MAGI\uff09\u4f4e\u4e8e153,000\u7f8e\u5143\u53ef\u5168\u989d\u7f34\u6b3e\uff1b153,000\u81f3168,000\u7f8e\u5143\u9010\u6b65\u9000\u51fa\uff1b\u8d85\u8fc7168,000\u7f8e\u5143\u4e0d\u53ef\u7f34\u3002\u5df2\u5a5a\u8054\u5408\u7533\u62a5\u8005\uff0cMAGI\u4f4e\u4e8e242,000\u7f8e\u5143\u53ef\u5168\u989d\u7f34\u6b3e\uff1b242,000\u81f3252,000\u7f8e\u5143\u9010\u6b65\u9000\u51fa\uff1b\u8d85\u8fc7252,000\u7f8e\u5143\u4e0d\u53ef\u7f34\u3002<\/p>\n<h2>\u4e2d\u56fd\u4e2a\u4eba\u517b\u8001\u91d12026\u5e74\u4e0a\u9650\u6709\u8c03\u6574\u5417\uff1f<\/h2>\n<p>\u6ca1\u6709\u3002\u4e2d\u56fd\u4e2a\u4eba\u517b\u8001\u91d1\u5e74\u7f34\u4e0a\u9650\u4ecd\u4e3a<strong>12,000\u5143<\/strong>\uff08\u7ea61,670\u7f8e\u5143\uff09\uff0c\u81ea2022\u5e74\u5236\u5ea6\u843d\u5730\u4ee5\u6765\u672a\u4e0a\u8c03\u3002\u8fd9\u4e00\u989d\u5ea6\u4ec5\u4e3a\u7f8e\u56fd401(k)\u4e0a\u9650\u7684\u7ea61\/14\u3002<\/p>\n<blockquote><p>\u201c\u7269\u4ef7\u4e0a\u6da8\uff0c\u5de5\u8d44\u6ca1\u6da8\u3002\u4e0d\u77e5\u9053\u9009\u5b58\u5230\u9000\u4f11\u8fd9\u4e2a\u672a\u77e5\u6570\u8fd8\u662f\u73b0\u5728\u591a\u4eab\u53d7\u3002\u201d\u2014\u2014\u6765\u6e90\uff1a\u5317\u7f8e\u7701\u94b1\u5feb\u62a5\u7528\u6237FeiFei9\u8bc4\u8bba<\/p><\/blockquote>\n<h2>\u4e2d\u7f8e\u517b\u8001\u8d26\u6237\u7684\u7a0e\u4f18\u6a21\u5f0f\u6709\u4ec0\u4e48\u533a\u522b\uff1f<\/h2>\n<p>\u4e24\u56fd\u90fd\u91c7\u7528<strong>EET\u6a21\u5f0f<\/strong>\uff1a\u7f34\u8d39\u9636\u6bb5\u514d\u7a0e\uff0c\u6295\u8d44\u6536\u76ca\u514d\u7a0e\uff0c\u9886\u53d6\u65f6\u6309\u6536\u5165\u8ba1\u7a0e\u3002\u4e2d\u56fd\u4e2a\u4eba\u517b\u8001\u91d1\u9886\u53d6\u7a0e\u7387\u5df2\u4ece2018\u5e74\u8bd5\u70b9\u65f6\u76847.5%\u964d\u81f33%\u5355\u72ec\u8ba1\u7a0e\uff0c\u8fdc\u4f4e\u4e8e\u7f8e\u56fd\u666e\u901a\u6536\u5165\u7a0e\u7387\u3002\u4f46\u7f8e\u56fd401(k)\u4e0eIRA\u8986\u76d6\u9762\u66f4\u5e7f\u2014\u2014IRA\u53ea\u8981\u6709\u5e94\u7a0e\u6536\u5165\u3001\u672a\u6ee170.5\u5c81\u5373\u53ef\u5f00\u8bbe\uff1b401(k)\u867d\u7531\u96c7\u4e3b\u51b3\u5b9a\u662f\u5426\u63d0\u4f9b\uff0c\u4f46\u4e00\u65e6\u63d0\u4f9b\uff0c\u5458\u5de5\u5747\u53ef\u53c2\u4e0e\u3002\u4e2d\u56fd\u4e2a\u4eba\u517b\u8001\u91d1\u4ec5\u9650\u201c\u8fd8\u5728\u7f34\u793e\u4fdd\u7684\u52b3\u52a8\u8005\u201d\u3002<\/p>\n<h2>\u5982\u679c\u7f34\u8d85\u4e86IRA\u4e0a\u9650\u4f1a\u600e\u6837\uff1f<\/h2>\n<p>IRS\u6bcf\u5e74\u8bbe\u5b9a\u4e0a\u9650\uff0c\u591a\u7f34\u90e8\u5206\u9700\u5728\u62a5\u7a0e\u622a\u6b62\u65e5\u524d\u53d6\u51fa\uff0c\u5426\u5219\u9762\u4e346%\u8d85\u989d\u4f9b\u6b3e\u7a0e\u30022026\u5e74IRA\u8865\u7f34\u9650\u989d\u4e3a1,100\u7f8e\u5143\uff0850\u5c81\u4ee5\u4e0a\uff09\uff0c\u4f20\u7edfIRA\u53ef\u62b5\u6263\u4f9b\u6b3e\u7684\u6536\u5165\u9010\u6b65\u6dd8\u6c70\u8303\u56f4\uff1a\u5355\u8eab40,250\u7f8e\u5143\u8d77\uff0c\u5df2\u5a5a\u8054\u5408\u7533\u62a580,500\u7f8e\u5143\u8d77\u3002<\/p>\n<p>\u503c\u5f97\u5173\u6ce8\u7684\u662f\uff0c\u7f8e\u56fd\u9000\u4f11\u8d26\u6237\u7684\u7f34\u8d39\u4e0a\u9650\u6301\u7eed\u4e0a\u8c03\uff0c\u800c\u4e2d\u56fd\u4e2a\u4eba\u517b\u8001\u91d1\u81ea2022\u5e74\u843d\u5730\u540e\u5c1a\u672a\u8c03\u6574\u3002\u4e24\u56fd\u5728\u517b\u8001\u50a8\u84c4\u653f\u7b56\u7684\u529b\u5ea6\u548c\u8986\u76d6\u9762\u4e0a\uff0c\u5dee\u8ddd\u4e0d\u6b62\u662f\u6570\u5b57\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.joyyanguscpa.com\/news_detail\/417\" target=\"_blank\" rel=\"noopener nofollow\">401(k) \u9650\u984d\u65bc 2026 \u5e74\u63d0\u9ad8\u81f3 24,500 \u7f8e\u5143\uff0cIRA \u9650\u984d\u63d0\u9ad8\u81f3 7,500 \u7f8e\u5143 &#8211; \u7f8e\u570b\u7a05\u52d9\u6700\u65b0\u6d88\u606f\uff0c\u7f8e\u570b\u7a05\u52d9\u8655\u7406\uff0c\u7f8e\u570b\u907a\u7522\u8aee\u8a62\uff0c\u7f8e\u570b\u8d08\u8207\u8aee\u8a62\uff0c\u7f8e\u570b\u7a05\u7387\uff0c\u96d9\u91cd\u570b\u7c4d\u7e73\u7a05\uff0c\u7f8e\u570b\u5831\u7a05\uff0c\u7f8e\u570b\u6d77\u5916\u6536\u5165\u5831\u7a05 &#8211; \u5353\u8d8a\u7f8e\u7a05\u6709\u9650\u516c\u53f8 Joy US Tax Limited Company<\/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 | Fidelity<\/a><\/li>\n<li><a href=\"https:\/\/www.principal.com\/individuals\/learn\/what-are-2026-401k-and-ira-max-contribution-limits\" target=\"_blank\" rel=\"noopener nofollow\">What are 2026 401(k) and individual retirement account max contribution limits?<\/a><\/li>\n<li><a href=\"https:\/\/www.missionsq.org\/plan-sponsors\/plan-rules\/contribution-limits\" target=\"_blank\" rel=\"noopener nofollow\">2026 Retirement Plan Contribution Limits (401k, 457(b) &#038; More) | MissionSquare<\/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 | Fidelity<\/a><\/li>\n<li><a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-catch-up-contributions\" target=\"_blank\" rel=\"noopener nofollow\">Retirement topics &#8211; Catch-up contributions | Internal Revenue Service<\/a><\/li>\n<li><a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-401k-and-profit-sharing-plan-contribution-limits\" target=\"_blank\" rel=\"noopener nofollow\">Retirement topics &#8211; 401(k) and profit-sharing plan contribution limits | Internal Revenue Service<\/a><\/li>\n<li><a href=\"https:\/\/www.fidelity.com\/learning-center\/personal-finance\/401k-catch-up-contributions-high-earners\" target=\"_blank\" rel=\"noopener nofollow\">New 401(k) catchup contribution rules explained | Fidelity<\/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\u5e74401(k)\u4e0a\u965024,500\u7f8e\u5143\uff0cIRA\u4e0a\u96507,500\u7f8e\u5143\uff1b50\u5c81\u4ee5\u4e0a\u53ef\u8ffd\u52a0\u81f332,500\u7f8e\u5143\u548c8,600\u7f8e\u5143\u3002\u4e2d\u56fd\u4e2a\u4eba\u517b\u8001\u91d1\u5e74\u7f34\u4e0a\u9650\u4ecd\u4e3a12,000\u5143\uff0c\u4ec5\u4e3a\u7f8e\u56fd401(k)\u76841\/14\u3002\u4e2d\u7f8e\u7a0e\u4f18\u6a21\u5f0f\u5747\u4e3aEET\uff0c\u4f46\u9886\u53d6\u7a0e\u7387\u4e2d\u56fd\u5df2\u964d\u81f33%\u3002\u4f60\u7684\u9000\u4f11\u50a8\u84c4\u4e0a\u9650\uff0c\u4eca\u5e74\u53c8\u6da8\u4e86\u3002<\/p>\n","protected":false},"author":1,"featured_media":811,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-810","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\/810","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=810"}],"version-history":[{"count":0,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/posts\/810\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/media\/811"}],"wp:attachment":[{"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/media?parent=810"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/categories?post=810"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shiyao.ltd\/yanglao\/wp-json\/wp\/v2\/tags?post=810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}