退休

理解《安全法案.0

This infographic is composed of a timeline that moves vertically down the page starting in 2023 and ending in 2033. The title is placed next to a vector image of the US Capitol spire and reads: Secure Act 2.0.This infographic is composed of a timeline that moves vertically down the page starting in 2023 and ending in 2033. The title is placed next to a vector image of the US Capitol spire and reads: Secure Act 2.0.沿着美国首都的塔尖向下移动, underneath the title is text that reads: In the final days of 2022, 国会通过了SECURE 2.0, the new set of retirement rules designed to facilitate contribution to retirement plans and access to those funds earmarked for retirement. This sweeping legislation has dozens of significant changes; here is a timeline covering a few of the major changes of the new law.沿着美国首都的塔尖向下移动, underneath the title is text that reads: In the final days of 2022, 国会通过了SECURE 2.0, the new set of retirement rules designed to facilitate contribution to retirement plans and access to those funds earmarked for retirement. This sweeping legislation has dozens of significant changes; here is a timeline covering a few of the major changes of the new law.沿着美国国会大厦的圆顶向下移动, the timeline begins with 2023 and lists six changes: RMD age increased from 72 to 73. Employers can make Roth contributions to SIMPLE and SEP plans for employees. RMD penalty reduced from 50 percent to 25 percent.沿着美国国会大厦的圆顶向下移动, the timeline begins with 2023 and lists six changes: RMD age increased from 72 to 73. Employers can make Roth contributions to SIMPLE and SEP plans for employees. RMD penalty reduced from 50 percent to 25 percent.Small business credit for establishing a workplace retirement plan increased from 50 percent to 100 percent. Over 50 catch-up contribution increased from 6,500 dollars to 7,500 dollars. Qualified Charitable Donation limit indexed for inflation.Small business credit for establishing a workplace retirement plan increased from 50 percent to 100 percent. Over 50 catch-up contribution increased from 6,500 dollars to 7,500 dollars. Qualified Charitable Donation limit indexed for inflation.继续往下看美国国会大厦的圆顶, the timeline progresses to 2024 and lists four changes: 1,000 dollars emergency withdrawal from retirement accounts. 529计划可以转到罗斯个人退休账户.继续往下看美国国会大厦的圆顶, the timeline progresses to 2024 and lists four changes: 1,000 dollars emergency withdrawal from retirement accounts. 529计划可以转到罗斯个人退休账户.Companies can match student loan payments with retirement contributions. Roth 401(k)s and Roth 403(b)s no longer have RMDs.Companies can match student loan payments with retirement contributions. Roth 401(k)s and Roth 403(b)s no longer have RMDs.更接近美国国会大厦穹顶的底部, the timeline transitions to 2025: Employers must automatically enroll employees in workplace retirement plans. Part-time workers who have worked at least 500 hours per year for two consecutive years are eligible to participate in a retirement plan. 10,000 dollar catch-up contributions now available for those aged 60-63.更接近美国国会大厦穹顶的底部, the timeline transitions to 2025: Employers must automatically enroll employees in workplace retirement plans. Part-time workers who have worked at least 500 hours per year for two consecutive years are eligible to participate in a retirement plan. 10,000 dollar catch-up contributions now available for those aged 60-63.在美国国会大厦圆顶的底部, the timeline reaches 2033 with one final change: RMD age increases from 73 to 75.在美国国会大厦圆顶的底部, the timeline reaches 2033 with one final change: RMD age increases from 73 to 75.The bottom of the infographic depicts part of the US Capitol dome, largely obstructed by text that reads: 退休 rules can change without notice, and there is no guarantee that the treatment of specific rules will remain the same over time. This article intends to give you a broad overview of SECURE 2.0. It's not intended as a substitute for real-life advice regarding your retirement strategy. Roth IRA distributions must meet a five-year holding requirement and occur after age 59½ to qualify for the tax-free and penalty-free withdrawal of earnings. 税-free and penalty-free withdrawals are allowed under certain other circumstances, 比如房主去世了. The original Roth IRA owner is not required to take minimum annual withdrawals.The bottom of the infographic depicts part of the US Capitol dome, largely obstructed by text that reads: 退休 rules can change without notice, and there is no guarantee that the treatment of specific rules will remain the same over time. This article intends to give you a broad overview of SECURE 2.0. It's not intended as a substitute for real-life advice regarding your retirement strategy. Roth IRA distributions must meet a five-year holding requirement and occur after age 59½ to qualify for the tax-free and penalty-free withdrawal of earnings. 税-free and penalty-free withdrawals are allowed under certain other circumstances, 比如房主去世了. The original Roth IRA owner is not required to take minimum annual withdrawals.
 

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