401(k)s & IRAs for Dummies
暫譯: 401(k) 與 IRA 入門指南

Benna, Ted, Newmann, Brenda Watson

  • 出版商: For Dummies
  • 出版日期: 2021-10-26
  • 售價: $1,140
  • 貴賓價: 9.5$1,083
  • 語言: 英文
  • 頁數: 352
  • 裝訂: Quality Paper - also called trade paper
  • ISBN: 1119817242
  • ISBN-13: 9781119817246
  • 相關分類: 投資理財 Investment
  • 海外代購書籍(需單獨結帳)

相關主題

商品描述

From the basics down to investing, get the most out of your 401(k) and IRA in any economic environment

When you're ready to start setting aside (or withdrawing) money for your retirement--whenever that might be--401(k)s & IRAs For Dummies is here for you! It covers both types of retirement plans because they each have valuable tax benefits, and you may be able to contribute to both at the same time. With the practical advice in this book, you learn how to manage your accounts, minimize your investment risk, and maximize your returns. Sounds like a win-win, no matter your situation or where you're at in life.

Written by a well-known expert and 'father of the 401 (k)', Ted Benna, 401(k)s & IRAs For Dummies helps you keep up with the ever-changing rules surrounding both retirement plans--including the rules from the SECURE and CARES Acts--and avoid the mistakes that can lead to higher taxes and penalties. Additional topics include:

  • Tax strategies before and after retirement
  • Required distributions and how much you need to take
  • Penalties for taking money out early and how to avoid them
  • What happens to your or your spouse's retirement plan after death or divorce
  • The rules for taking money out of an inherited plan
  • Methods for calculating required minimum distributions
  • Special tax benefits for conversions to Roth IRAs
  • How to recharacterize IRA or Roth contributions
  • Why IRA based plans are a better options for many small employers
  • Helping solo entrepreneurs and other small businesses pick the right type of plan

Whether you're just starting to think about a retirement plan, planning when to retire, or you're facing retirement, you'll find useful and practical guidance in 401(k)s & IRAs For Dummies. Get your copy today!

商品描述(中文翻譯)

從基礎到投資,無論在任何經濟環境中,充分利用您的 401(k) 和 IRA

當您準備開始為退休儲蓄(或提取)資金時——無論那是什麼時候——401(k)s & IRAs For Dummies 都會為您提供幫助!本書涵蓋這兩種退休計劃,因為它們各自擁有寶貴的稅務優惠,您可能能夠同時對兩者進行貢獻。透過本書中的實用建議,您將學會如何管理您的帳戶、最小化投資風險並最大化回報。無論您的情況如何或您人生的哪個階段,這聽起來都是雙贏的局面。

本書由知名專家及「401(k)之父」Ted Benna 撰寫,401(k)s & IRAs For Dummies 幫助您跟上圍繞這兩種退休計劃的持續變化的規則——包括來自 SECURE 和 CARES 法案的規則——並避免可能導致更高稅負和罰款的錯誤。其他主題包括:

  • 退休前後的稅務策略
  • 必需的分配及您需要提取的金額
  • 提前提取資金的罰款及如何避免它們
  • 您或配偶的退休計劃在死亡或離婚後會發生什麼
  • 從繼承計劃中提取資金的規則
  • 計算必需最低分配的方法
  • 轉換為 Roth IRA 的特殊稅務優惠
  • 如何重新分類 IRA 或 Roth 貢獻
  • 為什麼基於 IRA 的計劃對許多小型雇主來說是更好的選擇
  • 幫助獨立創業者和其他小型企業選擇合適的計劃類型

無論您是剛開始考慮退休計劃、計劃何時退休,還是面臨退休,您都會在 401(k)s & IRAs For Dummies 中找到有用且實用的指導。今天就獲得您的副本吧!

作者簡介

Ted Benna is commonly referred to as the "father of 401(k)" because he created and gained IRS approval of the first 401(k) savings plan.

Brenda Watson Newmann began her career as an Associated Press foreign correspondent and later moved to Silicon Valley as Managing Editor at 401k Forum/mPower.

作者簡介(中文翻譯)

Ted Benna 通常被稱為「401(k)之父」,因為他創建並獲得國稅局(IRS)批准了第一個 401(k) 儲蓄計劃。
Brenda Watson Newmann 的職業生涯始於美聯社的外國記者,後來她轉到矽谷,擔任 401k Forum/mPower 的總編輯。