{"id":26073,"date":"2017-09-14T11:21:26","date_gmt":"2017-09-14T15:21:26","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/new-grads-dont-make-401k-mistakes\/"},"modified":"2025-08-11T06:30:55","modified_gmt":"2025-08-11T06:30:55","slug":"new-grads-dont-make-401k-mistakes","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/new-grads-dont-make-401k-mistakes\/","title":{"rendered":"\u65b0\u6bd5\u4e1a\u751f\uff0c\u522b\u72af\u8fd9\u4e9b401(k)\u9519\u8bef"},"content":{"rendered":"

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1. \u4f7f\u7528\u7b49\u5f85\u671f\u4f5c\u4e3a\u50a8\u84c4\u5047\u671f<\/h4>\n

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\n\u8fd9\u662f\u4e00\u4e2a\u65b9\u4fbf\u7684\u501f\u53e3\u6765\u63a8\u8fdf\u50a8\u84c4\uff0c\u4f46\u8fd9\u5e76\u4e0d\u662f\u4e00\u4e2a\u597d\u7684\u501f\u53e3\uff1b\u8fd8\u6709\u5176\u4ed6\u7684\u9009\u62e9\u3002\u5176\u4e2d\u4e00\u4e2a\u662fRoth IRA\uff0c\u8fd9\u662f\u4f60\u81ea\u5df1\u5f00\u8bbe\u7684\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u3002\u5bf9\u4e8e\u521d\u7ea7\u5de5\u4f5c\u8005\u6765\u8bf4\uff0cRoth IRA\u7279\u522b\u9002\u5408\uff0c\u56e0\u4e3a\u4f60\u53ef\u4ee5\u9501\u5b9a\u4eca\u5929\u7684\u7a0e\u7387\uff1a\u4f60\u5728\u4f60\u7684\u8d21\u732e\u4e0a\u652f\u4ed8\u7a0e\u6b3e\uff0c\u4f46\u4efb\u4f55\u6536\u76ca\u548c\u9000\u4f11\u65f6\u7684\u5206\u914d\u90fd\u662f\u514d\u7a0e\u7684\u3002\uff08\u8fd9\u91cc\u6709\u5173\u4e8eRoth IRA\u7684\u5b8c\u6574\u4ecb\u7ecd\u3002\uff09
\n\u5728\u5f88\u591a\u65b9\u9762\uff0c\u4e3a\u9000\u4f11\u50a8\u84c4\u5c31\u662f\u7ed9\u8001\u5e74\u7684\u4f60\u6254\u4e00\u6839\u9aa8\u5934\uff0c\u800cRoth IRA\u5c31\u662f\u4e00\u6839\u975e\u5e38\u5927\u7684\u9aa8\u5934\u3002\u5b83\u4e5f\u8ba9\u4f60\u517b\u6210\u50a8\u84c4\u7684\u4e60\u60ef\u3002\u5f53\u4f60\u6700\u7ec8\u6709\u8d44\u683c\u83b7\u5f97\u90a3\u4e2a401(k)\u65f6\uff0c\u53c2\u4e0e\u4f1a\u611f\u89c9\u50cf\u662f\u4e00\u9635\u5fae\u98ce\uff0c\u800c\u4e0d\u662f\u4f60\u9884\u7b97\u4e0a\u7684\u65b0\u8d1f\u62c5\u3002<\/p>\n

2. \u63a5\u53d7\u9ed8\u8ba4\u9009\u4e3e<\/h4>\n

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3. \u541e\u4e0b\u6602\u8d35\u7684\u8ba1\u5212<\/h4>\n

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\n\u51cf\u5c11\u9ad8401(k)\u8d39\u7528\u7684\u53e6\u4e00\u4e2a\u9009\u62e9\u662f\u53ea\u8d21\u732e\u8db3\u591f\u83b7\u5f97\u4f60\u7684\u96c7\u4e3b\u5339\u914d\u7684\u91d1\u989d\uff0c\u7136\u540e\u5c06\u989d\u5916\u7684\u50a8\u84c4\u8f6c\u79fb\u5230IRA\u3002\u4f60\u5728IRA\u4e2d\u9009\u62e9\u7684\u6295\u8d44\u4ecd\u7136\u4f1a\u6709\u8d39\u7528\uff0c\u4f46\u4f60\u53ef\u4ee5\u9009\u62e9\u66f4\u5e7f\u6cdb\u7684\u9009\u62e9\uff0c\u6240\u4ee5\u4f60\u53ef\u4ee5\u56db\u5904\u5bfb\u627e\u6700\u4f4e\u7684\u6210\u672c\u3002\u4f60\u4e5f\u4f1a\u907f\u514d401(k)\u7684\u7ba1\u7406\u8d39\u7528\u3002\u5982\u679c\u4f60\u8fbe\u5230\u4e86IRA\u7684\u6700\u5927\u503c\u2014\u20142017\u5e74\u7684IRA\u8d21\u732e\u9650\u989d\u662f5,500\u7f8e\u5143\u2014\u2014\u6682\u505c\u4e00\u4e0b\uff0c\u81ea\u9e23\u5f97\u610f\u5730\u62cd\u62cd\u81ea\u5df1\u7684\u80cc\uff0c\u7136\u540e\u6062\u590d\u5bf9\u4f60\u7684401(k)\u7684\u8d21\u732e\u3002<\/p>\n

4. \u63d0\u73b0\u800c\u4e0d\u662f\u8f6c\u8d26<\/h4>\n

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\n

Arielle O\u2019Shea\u662fNerdWallet\u7684\u4e00\u540d\u5458\u5de5\u4f5c\u5bb6\uff0c\u8fd9\u662f\u4e00\u4e2a\u4e2a\u4eba\u8d22\u52a1\u7f51\u7ad9\u3002<\/i><\/p>\n

\u7535\u5b50\u90ae\u4ef6\uff1aaoshea@nerdwallet.com\u3002Twitter\uff1a@arioshea\u3002<\/i><\/p>\n

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