个人税务策略 - 401K【每天看一下 日久变专家】

401K 和其它退休计划

充分利用您的 401(k) 或类似雇主计划

许多雇主提供401(k)计划，您可以选择通过将部分工资存入递延税款退休账户来推迟部分工资的纳税。对于大学等非营利雇主，可以使用名为 403(b) 的类似计划。如果您的雇主提供这样的退休计划，可以尽量供款以推迟收入并积累退休资产。

很多雇主会将按员工的缴款做相匹配的雇主供款。如果可以的话，您做为雇员应该尽量供款，以得到最高额的雇主相对应供款。

Max Out Your 401(k) or Similar Employer Plan

Many employers offer plans where you can elect to defer a portion of your pay by contributing it to a tax-deferred retirement account. For many companies, these are 401(k) plans. For nonprofit employers, such as universities, a similar plan called a 403(b) is available. If your employer offers such a retirement plan, contribute as much as possible to defer income and accumulate retirement assets.

Some employers match a portion of employee contributions to such plans. If this is available, you should structure your contributions to receive the maximum employer matching contribution.

如果您拥有自己的企业，可以自行建立退休计划

如果您有自己的生意并处于高税阶，可以考虑透过会计师为自身公司建立一个退休计划，并尽可能多供款以减低利得税。即使是副业或兼职生意也是可以这样来减税的。有多种类型的计划可以不需要很繁复的文件手续就可以设置好。

If You Have Your Own Business, Set Up and Contribute to a Retirement Plan

If you have your own business and in a high tax bracket, consider setting up a contributing as much as possible to a retirement plan to minimize your tax. These are allowed even for a sideline or moonlighting business. Several types of plans are available which minimize the paperwork involved in establishing and administering such a plan.