Will You Pay Tax On Your Retirement Accounts ?将你要交税对你的退休帐户吗？
By Ian Williamson由伊恩威廉姆森
There are several有几种 accounts with tax implications.帐户与税收的影响。 401K accounts, Keogh accounts, Roth IRAs and standard IRAs are some of the most important and widely know 401k帐户， keogh帐户，陆士达国内税务局和标准，是国内税务局的一些最重要和最广泛知道 accounts.户口。

What is an Individual什么是个人 Account (IRA)?帐户（ IRA ）的吗？

An Individual个人 Account (IRA) is a帐户（ IRA ）的是一个 investment into which you put contributions on which you do not pay taxes until you withdraw the money from the account after you retire.投资在哪些方面你把会费，你不交税，直到你收回这笔钱从账户后，您退休。 Usually, your tax bracket will be lower after通常，你的税率将降低后， and so you won't have to pay as high a percentage of the money in taxes as you would have if the money had been taxed at the time it was originally earned.所以你不会要付出高比例的金钱在税收，你会如果把这笔钱已被征税的时候，它本来是赚。 When you put money into an IRA, you get a tax deduction.当你把钱存进爱尔兰共和军，你都能得到一扣税。 When you take a "distribution" from that IRA later, it counts as taxable income.当你做一个"分配"从爱尔兰共和军后，它计数作为应税收入。 There are penalties for early withdrawal up to age 59 1/2.有罚则，提早撤军行动，以59岁1 / 2 。

You are required to start taking money out of your IRA no later than at age 70 1/2.你必须开始考虑钱出来，你的爱尔兰共和军没有在不迟于70岁1 / 2 。

You should check with your accountant or the IRS to see how much you can contribute in the current tax year.你应该检查你的会计师或国税局，看看有多少你可以作出贡献，在目前的纳税年度。 How much of this money is tax deductible depends on your Adjusted Gross Income (AGI) and whether you are covered under an employer究竟有多少，这笔钱是免税取决于你的调整后总收入（完）无论您是涵盖雇主 plan.计划。

There are other variations of the standard IRA, such as the "Simple IRA," a relatively new but popular employer based plan allowing employer contributions and a higher contribution by the taxpayer.还有其他一些变化的标准，爱尔兰共和军，如"简单的爱尔兰共和军" ，一个比较新的流行，但雇主为基础的计划允许雇主捐款和更高的贡献，由纳税人负担。

What is a 401K什么是401k Account?帐户吗？

A 401K plan is named after a section of the 1978 US Tax code. 1 401k计划命名后，有一节的1978年，美国的税法。 It is a plan offered by employers which allows you to automatically save a portion of your income for这是一个计划所提供的雇主，让你自动保存部分的收入 without paying taxes now on the money you are saving.没有缴纳税款，现在对你的钱都是储蓄。 As with the IRA, the idea behind it is you'll be in a lower tax bracket after正如爱尔兰共和军随即成立，背后的想法是您在一个较低的税率后 and therefore will have less tax to pay on the saved money than you would pay now at your higher salaried income rate.因此，将少征税款缴纳就节省的钱比你会付出，现在你的高工薪收入率。 You only pay taxes on the money when you withdraw it from the 401K account after retirement.你只要照章纳税，对钱的时候，你退出它从401k帐户后退休。

Usually, the 401K money is automatically deducted from your paycheck by the company's payroll system in much the same way your taxes are withheld.在通常情况下， 401k的钱是自动扣除，从你的薪水是由该公司的发薪系统，在许多相同的方式，你的税扣。

In its basic configuration, a 401K account is similar to a standard IRA, but in many employers' plans, there is a matching contribution from the employer which provides the real power to the plan.在其基本配置， 401k账户相类似的标准，以便爱尔兰共和军，但在许多雇主计划，有一个匹配的贡献，由雇主提供实权的计划。 Beware.提防。 Many companies invest the 401K plan money heavily in their own company stock.许多公司投资401k计划大量金钱在自己的公司的股票。 If the company has an unusually bad financial problem, you might find this money in jeopardy as well as your job.如果该公司有异常恶劣的财务问题，你可能会觉得这钱处于危险之中以及你的工作。 The best 401K plans allow you to control the investment vehicles for your money.最好的401k计划，让你能够方便地控制投资工具，为你的钱。

Typically, at the time of retirement, a 401K plan is "rolled over" into a standard IRA, from which the retiree then makes withdrawals over time to provide通常情况下，在当时的退休， 401k计划是"滚"成一个标准的爱尔兰共和军中，从这些退休者，然后使取款超过时间来提供 income.收入。

What is a Keogh什么是keogh Account?帐户吗？

A Keogh 1 keogh account is a tax deferred帐号是税收递延 plan for self employed people.计划自雇人士。 If you are self employed, with a sole proprietorship or a partnership, then this is the plan you may want to consider setting up.如果你是自雇，以独资或合伙人，那么这是计划书，您可能要考虑设立。 Any type of qualified任何类型的合格 account can be set up to cover self employed individuals.帐号方可成立，以支付自雇个人。 You should also look into 401K plans, and standard and Roth IRAs.你也应该照顾到401k计划，标准和Roth国内税务局。

There are advantages and disadvantages to each.都有自己的优势和劣势，以每。 One advantage to the Keogh plan is that contributions are deducted from the gross income.有一个好处，以keogh的设想是，捐款中扣除，从毛收入。 Contribution limits are more liberal than those allowed with some other贡献限制，目前更自由，比那些允许与其他一些 accounts.户口。 As with other正如其他 accounts, tax is deferred until money is withdrawn, usually after retirement.户口，税推迟到钱，被撤销，通常是在退休后。 In some cases, lump sum withdrawals may be eligible for 10 year averaging which can provide a tax benefit.在有些情况下，整笔提款可能有资格享受十年平均，其中可以提供税务利益。

Another IRA type used for self employed sole proprietors is a SEP IRA which has less complex filing administrative paperwork and allows higher contributions.另外，爱尔兰共和军型用于自我雇用的独资经营者，是年9月，爱尔兰共和军已不那么复杂备案的行政文书工作，并允许更高的贡献。

What is a Roth IRA?什么是罗斯IRA ？

The Roth IRA came into existence in 1998 and is named after the late Senator William V. Roth, Jr. The chief advantage of a Roth IRA is obvious.该罗斯IRA开始存在，在1998年和命名后，已故参议员威廉诉罗思前些日子行政优势，一罗斯IRA是显而易见的。 Although there is no deferral of taxes on the money originally invested in a Roth IRA, as in other IRAs, all income earned by the investments in a Roth account is tax free when it is withdrawn.虽然目前还没有推迟的税钱，原本投资在某罗斯IRA ，正如在其他国内税务局，所有收入投资在罗斯帐户是免税的时候，它是撤回。 Another benefit is that you are not required to take distributions beginning at age 70 1/2 as with other accounts, so if you don't need the money to live on, it can continue growing and earning for you tax free.另一个好处是，你不须采取分布开始在70岁1 / 2 ，作为与其他帐户，因此，如果你不需要钱，以现场直播，可以继续保持增长和盈利为你免税。 Also, a Roth IRA makes it easier in some cases to take early withdrawals without penalties compared to other另外，罗斯IRA使得它更容易在某些情况下，及早采取提款不需缴交罚款相对于其他 accounts.户口。

For many people, the Roth IRA is a wonderful对很多人来说，罗斯IRA是个绝好 investment account.投资帐户。 Some employers offer Roth 401K plans.有些雇主提供陆士达401k计划。

There are, however, limitations on who may contribute and under what conditions.然而，存在局限性，对那些可能有助于以及在什么条件下。 Individuals with higher incomes may not be able to use a Roth IRA.个人的收入就越高，可能无法使用罗斯IRA 。 Check with your accountant or the IRS for current rules.请与您的会计师或国税局为现行规则。

You need to plan early and do your homework thoroughly.你需要及早计划，并做你的功课彻底。 Review your choices regularly since rules and types of accounts change over time.审查您的选择定期以来的规则和类型的户口随时间而改变。 Don't wait until you are 60 to start planning for your不要等到你60岁开始规划你的 or you'll be sorry.或者你会后悔。

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