╨Ш╨а╨Р ╨┐╤А╨╛╤В╨╕╨▓ 401k
╨а╨░╨╖╨╗╨╕╤З╨╕╤П ╨╝╨╡╨╢╨┤╤Г IRA ╨╕ 401k
╨Ш╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╣ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╤Б╤З╨╡╤В (IRA) ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╤Б╨▒╨╡╤А╨╡╨│╨░╤В╨╡╨╗╤М╨╜╤Л╨╝ ╤Б╤З╨╡╤В╨░╨╝, ╨║╨╛╤В╨╛╤А╤Л╨╝╨╕ ╨▓╨╗╨░╨┤╨╡╤О╤В ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕╨╡ ╨╗╨╕╤Ж╨░ ╨┤╨╗╤П ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╤П ╤Б╨▓╨╛╨╡╨│╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨┐╨╛╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨┐╨╛╤Б╨╗╨╡ ╨▓╤Л╤Е╨╛╨┤╨░ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О. ╨б ╨┤╤А╤Г╨│╨╛╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, 401K тАФ ╤Н╤В╨╛ ╤Б╤Е╨╡╨╝╨░ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╨╜╨░╨║╨╛╨┐╨╗╨╡╨╜╨╕╨╣, ╨║╨╛╤В╨╛╤А╤Г╤О ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╤Б╨┐╨╛╨╜╤Б╨╕╤А╤Г╤О╤В ╨┤╨╗╤П ╤Б╨▓╨╛╨╕╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨╜╨░╨│╤А╨░╨┤╤Л ╨╖╨░ ╨╗╨╛╤П╨╗╤М╨╜╨╛╤Б╤В╤М ╨╖╨░ ╨╕╤Е ╤Б╤В╨░╨╢ ╤А╨░╨▒╨╛╤В╤Л.
╨Т╨╝╨╡╤Б╤В╨╡ ╨╛╨╜╨╕ ╨╛╨▒╤А╨░╨╖╤Г╤О╤В ╨╜╨░╨╕╨▒╨╛╨╗╨╡╨╡ ╨╖╨╜╨░╤З╨╕╤В╨╡╨╗╤М╨╜╤Л╨╡ ╤Б╤Е╨╡╨╝╤Л ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╤Б╨▒╨╡╤А╨╡╨╢╨╡╨╜╨╕╨╣, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╗╤О╨┤╨╕ ╨╝╨╛╨│╤Г╤В ╨▓╤Л╨▒╤А╨░╤В╤М ╨┤╨╗╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╜╨╛╨╣ ╨╢╨╕╨╖╨╜╨╕ ╨┐╨╛╤Б╨╗╨╡ ╨▓╤Л╤Е╨╛╨┤╨░ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О. ╨Ю╨┤╨╜╨░╨║╨╛ ╨╛╨▒╨░ ╤Н╤В╨╕ ╨▓╨░╤А╨╕╨░╨╜╤В╨░ ╤А╨░╨╖╨╗╨╕╤З╨░╤О╤В╤Б╤П ╤Б ╤В╨╛╤З╨║╨╕ ╨╖╤А╨╡╨╜╨╕╤П ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╨╝╤Л╤Е ╨▓╨░╤А╨╕╨░╨╜╤В╨╛╨▓ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨╕ ╨╗╨╕╨╝╨╕╤В╨╛╨▓ ╨▓╨╖╨╜╨╛╤Б╨╛╨▓. ╨е╨╛╤В╤П ╨▒╨╛╨╗╤М╤И╨╕╨╜╤Б╤В╨▓╨╛ ╨╗╤О╨┤╨╡╨╣ ╤Б╤З╨╕╤В╨░╤О╤В, ╤З╤В╨╛ ╨╕╨╝ ╨╜╤Г╨╢╨╜╨╛ ╨▓╤Л╨▒╨╕╤А╨░╤В╤М ╨╝╨╡╨╢╨┤╤Г ╤Н╤В╨╕╨╝╨╕ ╨┤╨▓╤Г╨╝╤П ╨▓╨░╤А╨╕╨░╨╜╤В╨░╨╝╨╕ ╤Б╨▒╨╡╤А╨╡╨╢╨╡╨╜╨╕╨╣ ╨┐╨╛╤Б╨╗╨╡ ╨▓╤Л╤Е╨╛╨┤╨░ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О, ╨╛╨╜╨╕ ╨╝╨╛╨│╤Г╤В ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М ╨▓ ╨╛╨▒╨╡ ╤Б╤Е╨╡╨╝╤Л ╨╛╨┤╨╜╨╛╨▓╤А╨╡╨╝╨╡╨╜╨╜╨╛ ╨┤╨╗╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛ ╨╖╨┤╨╛╤А╨╛╨▓╨╛╨╣ ╨╢╨╕╨╖╨╜╨╕ ╨┐╨╛╤Б╨╗╨╡ ╨▓╤Л╤Е╨╛╨┤╨░ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О.
╨Ю╨│╨╗╨░╨▓╨╗╨╡╨╜╨╕╨╡
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- ╨а╨░╨╖╨╗╨╕╤З╨╕╤П ╨╝╨╡╨╢╨┤╤Г IRA ╨╕ 401k
IRA ╨┐╤А╨╛╤В╨╕╨▓ 401K тАУ ╤Б╤А╨░╨▓╨╜╨╕╤В╨╡╨╗╤М╨╜╨░╤П ╤В╨░╨▒╨╗╨╕╤Ж╨░
╨Ф╨░╨▓╨░╨╣╤В╨╡ ╨▓╨╖╨│╨╗╤П╨╜╨╡╨╝ ╨╜╨░ ╤А╨░╨╖╨╗╨╕╤З╨╕╤П ╨╝╨╡╨╢╨┤╤Г ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╝╨╕ ╤Б╤Е╨╡╨╝╨░╨╝╨╕ IRA ╨╕ 401K:
╨Ъ╨░╤В╨╡╨│╨╛╤А╨╕╤ПIRA401K╨Я╨╛╨╗╨╛╨╢╨╡╨╜╨╕╨╡ ╨┤╨╡╨╗╨б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╨╕╨║ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨б╨┐╨╛╨╜╤Б╨╕╤А╤Г╨╡╨╝╤Л╨╣ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╝╨Т╨║╨╗╨░╨┤╨Т ╨┐╤А╨╡╨┤╨╡╨╗╨░╤Е 50 тАУ ╨┤╨╛ 6000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨Т ╨╕ ╨▓╤Л╤И╨╡ 50 тАУ ╨┤╨╛ 7000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨Т ╨┐╤А╨╡╨┤╨╡╨╗╨░╤Е 50 ╨╗╨╡╤В тАУ ╨┤╨╛ 20 500 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨Т ╨╕ ╨▓╤Л╤И╨╡ 50 ╨╗╨╡╤В тАУ ╨┤╨╛ 27 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р╨┐╤А╨░╨▓╨╛╨Ы╤О╨▒╨╛╨╣, ╤Г ╨║╨╛╨│╨╛ ╨╡╤Б╤В╤М ╤В╤А╤Г╨┤╨╛╨▓╨╛╨╣ ╨┤╨╛╤Е╨╛╨┤╨в╨╛╨╗╤М╨║╨╛ ╨╡╤Б╨╗╨╕ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╨▓╨░╤О╤В ╤Б╤Е╨╡╨╝╤Г╨Э╨░╨╗╨╛╨│╨╛╨╛╨▒╨╗╨╛╨╢╨╡╨╜╨╕╨╡╨д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╤Л╨╡ ╨╜╨░╨╗╨╛╨│╨╕ ╨╕ ╨╜╨░╨╗╨╛╨│╨╕ ╤И╤В╨░╤В╨░ ╨┐╤А╨╕╨╝╨╡╨╜╤П╤О╤В╤Б╤П ╨║ ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╝ ╤А╨░╤Б╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╤П╨╝ IRA ╨┐╨╛╤Б╨╗╨╡ 59,5 ╨╗╨╡╤В. ╨Ю╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╣ ╤Д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╤Л╨╣ ╨╜╨░╨╗╨╛╨│ ╨┐╤А╨╕ ╨▓╤Л╤Е╨╛╨┤╨╡.╨Т╤Л╨▒╨╛╤А╨Т╨░╤А╨╕╨░╨╜╤В╨╛╨▓ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣ ╨▒╨╛╨╗╤М╤И╨╡: ╨░╨║╤Ж╨╕╨╕, ╤Д╨╛╨╜╨┤╤Л, ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕, ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╕ ╤Б ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╝ ╨┤╨╛╤Е╨╛╨┤╨╛╨╝ ╨╕ ╨┤╤А╤Г╨│╨╕╨╡ ╨░╨║╤В╨╕╨▓╤Л. ╨Ю╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╜╤Л╨╣ ╨▓╤Л╨▒╨╛╤А ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣ ╤Б╨╛ ╤Б╨▓╨╛╨▒╨╛╨┤╨╛╨╣ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М ╤В╨╛╨╗╤М╨║╨╛ ╨▓ ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨┤╨╡╤Б╤П╤В╨║╨╛╨▓ ╨▓╨╖╨░╨╕╨╝╨╜╤Л╤Е ╤Д╨╛╨╜╨┤╨╛╨▓.╨Т╨║╨╗╨░╨┤ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П╨Э╨╡╤В ╨║╨░╨║ ╤В╨░╨║╨╛╨▓╨╛╨╣. ╨а╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨╛╨▒╤Л╤З╨╜╨╛ ╨┤╨╡╨╗╨░╤О╤В ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╨╕╨╣ ╨▓╨╖╨╜╨╛╤Б ╨▓ ╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╤Б╤В╨╕ ╨╛╤В ╤З╨░╤Б╤В╨╕ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░.╨Я╨╛╨┤╤Е╨╛╨┤╨╕╤В ╨┤╨╗╤П╨Т╤Б╨╡ ╤В╨╡, ╨║╤В╨╛ ╨┐╨╛╨╗╤Г╤З╨╕╨╗ ╨┤╨╛╤Е╨╛╨┤ ╨в╨╛╨╗╤М╨║╨╛ ╤В╨╡, ╤З╨╡╨╣ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╤М. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨╛╨╜ ╨┐╤А╨╡╨┤╨╜╨░╨╖╨╜╨░╤З╨╡╨╜ ╨┤╨╗╤П ╨╗╨╕╤Ж ╤Б ╨▒╨╛╨╗╨╡╨╡ ╨▓╤Л╤Б╨╛╨║╨╕╨╝ ╨┤╨╛╤Е╨╛╨┤╨╛╨╝, ╨┐╨╛╤Б╨║╨╛╨╗╤М╨║╤Г ╨╗╨╕╨╝╨╕╤В ╨▓╨╖╨╜╨╛╤Б╨╛╨▓ ╨▓╤Л╤И╨╡.
╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨Ш╨а╨Р?
IRA ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╡ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╤В╨║╤А╤Л╨▓╨░╤О╤В ╤Б╨░╨╝╨╕ ╨╗╤О╨┤╨╕, ╨┐╨╛╨╝╨╛╨│╨░╤П ╨╕╨╝ ╤Е╨╛╤А╨╛╤И╨╛ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╤В╤М ╤Б╨▓╨╛╨╣ ╨▓╤Л╤Е╨╛╨┤ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О. ╨н╤В╨╛ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В ╤Б ╨╛╤В╤Б╤А╨╛╤З╨║╨╛╨╣ ╨╜╨░╨╗╨╛╨│╨╛╨╛╨▒╨╗╨╛╨╢╨╡╨╜╨╕╤П, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕╨╝ ╨╗╨╕╤Ж╨░╨╝ ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨░╤В╤М ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М ╨▓ ╤Б╤Е╨╡╨╝╤Г, ╨╜╨╡ ╨┐╨╗╨░╤В╤П ╨╜╨╕╨║╨░╨║╨╕╤Е ╨╜╨░╨╗╨╛╨│╨╛╨▓ ╨╜╨░ ╤Б╨▒╨╡╤А╨╡╨╢╨╡╨╜╨╕╤П. ╨С╨╛╨╗╨╡╨╡ ╤В╨╛╨│╨╛, ╤Н╤В╨╕ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╤Г╨▒╨╡╨╢╨╕╤Й╨░ ╨Э╨░╨╗╨╛╨│╨╛╨▓╨╛╨╡ ╤Г╨▒╨╡╨╢╨╕╤Й╨╡ ╨Э╨░╨╗╨╛╨│╨╛╨▓╨╛╨╡ ╤Г╨▒╨╡╨╢╨╕╤Й╨╡ — ╤Н╤В╨╛ ╨╖╨░╨║╨╛╨╜╨╜╤Л╨╣ ╤Б╨┐╨╛╤Б╨╛╨▒ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨▓ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╨╡ ╨┐╨╗╨░╨╜╤Л ╨╕╨╗╨╕ ╤Б╤Е╨╡╨╝╤Л, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╤Г╨╝╨╡╨╜╤М╤И╨░╤О╤В ╨╛╨▒╤Й╨╕╨╣ ╨╜╨░╨╗╨╛╨│╨╛╨╛╨▒╨╗╨░╨│╨░╨╡╨╝╤Л╨╣ ╨┤╨╛╤Е╨╛╨┤ ╨╜╨░╨╗╨╛╨│╨╛╨┐╨╗╨░╤В╨╡╨╗╤М╤Й╨╕╨║╨╛╨▓ ╨╕ ╤Н╨║╨╛╨╜╨╛╨╝╤П╤В ╨╜╨░╨╗╨╛╨│╨╕, ╤Г╨┐╨╗╨░╤З╨╕╨▓╨░╨╡╨╝╤Л╨╡ ╨┐╤А╨░╨▓╨╕╤В╨╡╨╗╤М╤Б╤В╨▓╤Г ╤И╤В╨░╤В╨░ ╨╕╨╗╨╕ ╤Д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╨╛╨╝╤Г ╨┐╤А╨░╨▓╨╕╤В╨╡╨╗╤М╤Б╤В╨▓╤Г. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨╗╤О╨▒╨╛╨╣ ╤З╨╡╨╗╨╛╨▓╨╡╨║ ╨╝╨╛╨╢╨╡╤В ╨▓╤Л╨▒╤А╨░╤В╤М ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╨┐╨╗╨░╨╜╨╛╨▓, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╨╛╨╝╨╛╨│╤Г╤В ╤Б╨╜╨╕╨╖╨╕╤В╤М ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╤Б╤В╨▓╨░. ╨Ф╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╤Л╨╡ ╤Б╨▒╨╡╤А╨╡╨╢╨╡╨╜╨╕╤П ╨╜╨░╨║╨░╨┐╨╗╨╕╨▓╨░╤О╤В╤Б╤П ╨┐╨╛ ╨▒╨╛╨╗╨╡╨╡ ╨▓╤Л╤Б╨╛╨║╨╛╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╡, ╤З╤В╨╛ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╤Й╨╕╨║╨░╨╝ ╨┐╨╛╨╗╤Г╤З╨░╤В╤М ╨▒╨╛╨╗╤М╤И╤Г╤О ╨╛╤В╨┤╨░╤З╤Г ╨╛╤В ╤Б╨▓╨╛╨╕╤Е ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣.
╨Ы╤О╨▒╨╛╨╡ ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨╡ ╨╗╨╕╤Ж╨╛, ╨╕╨╝╨╡╤О╤Й╨╡╨╡ ╨╖╨░╤А╨░╨▒╨╛╤В╨░╨╜╨╜╤Л╨╣ ╨┤╨╛╤Е╨╛╨┤, ╨╝╨╛╨╢╨╡╤В ╨╛╤В╨║╤А╤Л╤В╤М ╤Б╤З╨╡╤В IRA ╨▓ ╨╗╤О╨▒╨╛╨╝ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╝ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╨╕, ╨▒╤Г╨┤╤М ╤В╨╛ ╨▒╨░╨╜╨║, ╨▓╨╖╨░╨╕╨╝╨╜╤Л╨╣ ╤Д╨╛╨╜╨┤╨Т╨╖╨░╨╕╨╝╨╜╤Л╨╣ ╤Д╨╛╨╜╨┤╨Т╨╖╨░╨╕╨╝╨╜╤Л╨╣ ╤Д╨╛╨╜╨┤ тАФ ╤Н╤В╨╛ ╨┐╤А╨╛╤Д╨╡╤Б╤Б╨╕╨╛╨╜╨░╨╗╤М╨╜╨╛ ╤Г╨┐╤А╨░╨▓╨╗╤П╨╡╨╝╤Л╨╣ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╤А╨╛╨┤╤Г╨║╤В, ╨▓ ╨║╨╛╤В╨╛╤А╨╛╨╝ ╨┐╤Г╨╗ ╨┤╨╡╨╜╨╡╨│ ╨╛╤В ╨│╤А╤Г╨┐╨┐╤Л ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨╛╨▓ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╤Г╨╡╤В╤Б╤П ╨▓ ╤В╨░╨║╨╕╨╡ ╨░╨║╤В╨╕╨▓╤Л, ╨║╨░╨║ ╨░╨║╤Ж╨╕╨╕. , ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╕ ╤В. ╨┤., ╨▒╨╕╤А╨╢╨╡╨▓╨╛╨╣ ╨╝╨░╨║╨╗╨╡╤А, ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П ╨┐╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤О ╨╢╨╕╨╖╨╜╨╕ ╨╕ ╤В. ╨┤. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨╗╨╕╤Ж╨░, ╨┐╨╛╨┤╨░╤О╤Й╨╕╨╡ ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╤О ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╨╛ ╤Б╨╛ ╤Б╨▓╨╛╨╕╨╝╨╕ ╨┐╨░╤А╤В╨╜╨╡╤А╨░╨╝╨╕, ╨╝╨╛╨│╤Г╤В ╨╛╤В╨║╤А╤Л╤В╤М ╤Б╤Г╨┐╤А╤Г╨╢╨╡╤Б╨║╨╕╨╣ ╤Б╤З╨╡╤В IRA, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╤А╨╕╨╝╨╡╨╜╨╕╨╝ ╨┤╨░╨╢╨╡ ╨▓ ╤В╨╛╨╝ ╤Б╨╗╤Г╤З╨░╨╡, ╨╡╤Б╨╗╨╕ ╤Г ╨╛╨┤╨╜╨╛╨│╨╛ ╨╕╨╖ ╨╜╨╕╤Е ╨╡╤Б╤В╤М ╨╜╨╡╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╕╨╣ ╤Б╤Г╨┐╤А╤Г╨│. ╨Ы╤О╨┤╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╝ ╨╡╤Й╨╡ ╨╜╨╡ ╨╕╤Б╨┐╨╛╨╗╨╜╨╕╨╗╨╛╤Б╤М 50 ╨╗╨╡╤В, ╨╝╨╛╨│╤Г╤В ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М ╨┤╨╛ 6000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨╜╨░ ╤Б╨▓╨╛╨╣ ╤Б╤З╨╡╤В, ╨░ ╤В╨╡, ╨║╨╛╨╝╤Г 50 ╨╗╨╡╤В ╨╕ ╤Б╤В╨░╤А╤И╨╡, ╨╝╨╛╨│╤Г╤В ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М 7000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨▓ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╕╨╕ ╤Б ╨┐╨╛╤Б╨╗╨╡╨┤╨╜╨╕╨╝╨╕ ╨╛╨▒╨╜╨╛╨▓╨╗╤П╤В╤М.
╨б╤З╨╡╤В╨░ IRA ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤В ╨▓╨║╨╗╨░╨┤╤З╨╕╨║╨░╨╝ ╨┐╨╛╨║╤Г╨┐╨░╤В╤М/╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М ╨▓ ╨▓╤Л╤Б╨╛╨║╨╛╨┤╨╛╤Е╨╛╨┤╨╜╤Л╨╡ ╨░╨║╤В╨╕╨▓╤Л, ╨▓╨║╨╗╤О╤З╨░╤П ╨║╨╛╨╝╨┐╨░╨║╤В-╨┤╨╕╤Б╨║╨╕, ╨▓╨╖╨░╨╕╨╝╨╜╤Л╨╡ ╤Д╨╛╨╜╨┤╤Л, ╨▒╨╕╤А╨╢╨╡╨▓╤Л╨╡ ╤Д╨╛╨╜╨┤╤Л (ETF) ╨С╨╕╤А╨╢╨╡╨▓╤Л╨╡ ╤Д╨╛╨╜╨┤╤Л (ETF) ╨С╨╕╤А╨╢╨╡╨▓╨╛╨╣ ╤Д╨╛╨╜╨┤ (ETF) тАФ ╤Н╤В╨╛ ╤Ж╨╡╨╜╨╜╨░╤П ╨▒╤Г╨╝╨░╨│╨░, ╨║╨╛╤В╨╛╤А╨░╤П ╤Б╨╛╨┤╨╡╤А╨╢╨╕╤В ╨╝╨╜╨╛╨╢╨╡╤Б╤В╨▓╨╛ ╤В╨╕╨┐╨╛╨▓ ╤Ж╨╡╨╜╨╜╤Л╤Е ╨▒╤Г╨╝╨░╨│, ╤В╨░╨║╨╕╤Е ╨║╨░╨║ ╨║╨░╨║ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕, ╨░╨║╤Ж╨╕╨╕, ╤В╨╛╨▓╨░╤А╤Л ╨╕ ╤В. ╨┤., ╨╕ ╨║╨╛╤В╨╛╤А╤Л╨╡ ╤В╨╛╤А╨│╤Г╤О╤В╤Б╤П ╨╜╨░ ╨▒╨╕╤А╨╢╨╡, ╨║╨░╨║ ╨░╨║╤Ж╨╕╨╕, ╤Ж╨╡╨╜╨░ ╨║╨╛╤В╨╛╤А╤Л╤Е ╨╝╨╜╨╛╨│╨╛╨║╤А╨░╤В╨╜╨╛ ╨║╨╛╨╗╨╡╨▒╨╗╨╡╤В╤Б╤П ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┤╨╜╤П, ╨║╨╛╨│╨┤╨░ ╨▒╨╕╤А╨╢╨╡╨▓╨╛╨╣ ╤Д╨╛╨╜╨┤ ╨┐╨╛╨║╤Г╨┐╨░╨╡╤В╤Б╤П ╨╕ ╨┐╤А╨╛╨┤╨░╨╡╤В╤Б╤П ╨╜╨░ ╨▒╨╕╤А╨╢╨╡. ╨┐╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡, ╨░╨║╤Ж╨╕╨╕, ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕╨Ю╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕╨Ю╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╛╤В╨╜╨╛╤Б╤П╤В╤Б╤П ╨║ ╨┤╨╛╨╗╨│╨╛╨▓╤Л╨╝ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╨░╨╝, ╨▓╤Л╨┐╤Г╤Й╨╡╨╜╨╜╤Л╨╝ ╨┐╤А╨░╨▓╨╕╤В╨╡╨╗╤М╤Б╤В╨▓╨░╨╝╨╕ ╨╕╨╗╨╕ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╤П╨╝╨╕ ╨┤╨╗╤П ╨┐╤А╨╕╨╛╨▒╤А╨╡╤В╨╡╨╜╨╕╤П ╤Б╤А╨╡╨┤╤Б╤В╨▓ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨╛╨▓ ╨╜╨░ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╨╕ ╤В. ╨┤.
╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ 401╨Ъ?
401K тАФ ╤Н╤В╨╛ ╤Б╤Е╨╡╨╝╨░ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╨╜╨░╨║╨╛╨┐╨╗╨╡╨╜╨╕╨╣, ╨║╨╛╤В╨╛╤А╨╛╨╣ ╨╗╤О╨┤╨╕ ╨╝╨╛╨│╤Г╤В ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М╤Б╤П ╤В╨╛╨╗╤М╨║╨╛ ╨▓ ╤В╨╛╨╝ ╤Б╨╗╤Г╤З╨░╨╡, ╨╡╤Б╨╗╨╕ ╨╡╨╡ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╨▓╨░╤О╤В ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕. ╨С╨╗╨░╨│╨╛╨┤╨░╤А╤П ╤Н╤В╨╛╨╝╤Г ╨▓╨░╤А╨╕╨░╨╜╤В╤Г ╤Н╨║╨╛╨╜╨╛╨╝╨╕╨╕ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨┐╤А╨╕╨╖╨╜╨░╤О╤В ╤Г╤Б╨╕╨╗╨╕╤П ╤Б╨▓╨╛╨╕╤Е ╨╗╨╛╤П╨╗╤М╨╜╤Л╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨╕ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤В ╨╕╨╝ ╨┐╨╛╨╗╤Г╤З╨░╤В╤М ╨┤╨╛╨╗╤О ╨┐╤А╨╕╨▒╤Л╨╗╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕. ╨Т ╤Н╤В╨╛╨╝ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╨╛╨╝ ╨┐╨╗╨░╨╜╨╡ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╨▓╨╜╨╛╤Б╤П╤В ╤З╨░╤Б╤В╤М ╤Б╨▓╨╛╨╡╨╣ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л ╨╜╨░ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░, ╨▓ ╤В╨╛ ╨▓╤А╨╡╨╝╤П ╨║╨░╨║ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╤В╨░╨║╨╢╨╡ ╨▓╨╜╨╛╤Б╤П╤В ╨╖╨╜╨░╤З╨╕╤В╨╡╨╗╤М╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г ╨╜╨░ ╤Б╨▓╨╛╨╕ ╤Б╤З╨╡╤В╨░ ╤Б╨╛ ╤Б╨▓╨╛╨╡╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л. ╨Т ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╡ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╨╜╨░╨║╨╛╨┐╨╗╨╡╨╜╨╕╤П ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕╤Е ╨╗╨╕╤Ж ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╤Б╨╛╨▓╨╝╨╡╤Б╤В╨╜╤Л╨╝╨╕ ╤Г╤Б╨╕╨╗╨╕╤П╨╝╨╕ ╤Б╨░╨╝╨╕╤Е ╨│╤А╨░╨╢╨┤╨░╨╜ ╨╕ ╨╕╤Е ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╣ ╨╛╨┤╨╜╨╛╨▓╤А╨╡╨╝╨╡╨╜╨╜╨╛.
╨Т ╤Н╤В╨╛╨╝ ╨┐╨╗╨░╨╜╨╡ ╤Б ╤Г╤Б╤В╨░╨╜╨╛╨▓╨╗╨╡╨╜╨╜╤Л╨╝╨╕ ╨▓╨╖╨╜╨╛╤Б╨░╨╝╨╕╨Я╨╗╨░╨╜ ╤Б ╤Г╤Б╤В╨░╨╜╨╛╨▓╨╗╨╡╨╜╨╜╤Л╨╝╨╕ ╨▓╨╖╨╜╨╛╤Б╨░╨╝╨╕╨Я╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╨╗╨░╨╜ ╤Б ╤Г╤Б╤В╨░╨╜╨╛╨▓╨╗╨╡╨╜╨╜╤Л╨╝╨╕ ╨▓╨╖╨╜╨╛╤Б╨░╨╝╨╕ — ╤Н╤В╨╛ ╨║╨╛╨│╨┤╨░ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨╕ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║ ╤З╨░╤Б╤В╨╛ ╨▓╨╜╨╛╤Б╤П╤В ╨╖╨╜╨░╤З╨╕╤В╨╡╨╗╤М╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г ╨▓╨╖╨╜╨╛╤Б╨╛╨▓, ╤З╤В╨╛╨▒╤Л ╨┐╨╛╨╖╨▓╨╛╨╗╨╕╤В╤М ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝ ╨╜╨░╨║╨╛╨┐╨╕╤В╤М ╨┐╤А╨╕╨╗╨╕╤З╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г ╨┤╨╡╨╜╨╡╨│ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤ ╨╕ ╤Г╨╣╤В╨╕ ╤Б ╨╝╨░╨║╤Б╨╕╨╝╨░╨╗╤М╨╜╤Л╨╝ ╨┤╨╛╤Б╤В╨╛╨╕╨╜╤Б╤В╨▓╨╛╨╝ ╨╜╨░ ╤Н╤В╨░╨┐╨╡ ╨▓╤Л╤Е╨╛╨┤╨░ ╨╜╨░ ╨┐╨╡╨╜╤Б╨╕╤О. ╤З╨╕╤В╨░╤В╤М ╨┤╨░╨╗╨╡╨╡ ╨▓╨╖╨╜╨╛╤Б╤Л ╨┐╤А╨╛╨╕╨╖╨▓╨╛╨┤╤П╤В╤Б╤П ╤З╨╡╤А╨╡╨╖ ╨┐╨╗╨░╤В╨╡╨╢╨╜╤Г╤О ╨▓╨╡╨┤╨╛╨╝╨╛╤Б╤В╤М╨Ч╨░╤А╨┐╨╗╨░╤В╨╜╨░╤П ╨▓╨╡╨┤╨╛╨╝╨╛╤Б╤В╤М╨Ч╨░╤А╨┐╨╗╨░╤В╨╜╨░╤П ╨▓╨╡╨┤╨╛╨╝╨╛╤Б╤В╤М ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╨╛╨▒╤Й╨╡╨╣ ╨║╨╛╨╝╨┐╨╡╨╜╤Б╨░╤Ж╨╕╨╕, ╨┐╨╛╨┤╨╗╨╡╨╢╨░╤Й╨╡╨╣ ╨▓╤Л╨┐╨╗╨░╤В╨╡ ╨╗╤О╨▒╨╛╨╣ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╡╨╣ ╤Б╨▓╨╛╨╕╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝ ╨▓ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Г╤О ╨┤╨░╤В╤Г ╨╖╨░ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤ ╤Г╤Б╨╗╤Г╨│, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╨╜╨╕ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╨╗╨╕ ╨▓ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╕. ╨н╤В╨░ ╨╛╨▒╤Й╨░╤П ╤З╨╕╤Б╤В╨░╤П ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨░╤П ╨┐╨╗╨░╤В╨░ ╨▓╨║╨╗╤О╤З╨░╨╡╤В ╨▓ ╤Б╨╡╨▒╤П ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г, ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г, ╨▒╨╛╨╜╤Г╤Б╤Л, ╨║╨╛╨╝╨╕╤Б╤Б╨╕╨╛╨╜╨╜╤Л╨╡, ╨╛╤В╤З╨╕╤Б╨╗╨╡╨╜╨╕╤П, ╨┐╤А╨╕╨▓╨╕╨╗╨╡╨│╨╕╨╕ ╨╕ ╨┤╤А╤Г╨│╨╕╨╡ ╨╗╤М╨│╨╛╤В╤Л. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╨╛╤В╤З╨╕╤Б╨╗╨╡╨╜╨╕╤П. ╨в╨╡╨╝ ╨╜╨╡ ╨╝╨╡╨╜╨╡╨╡, ╨б╨╗╤Г╨╢╨▒╨░ ╨▓╨╜╤Г╤В╤А╨╡╨╜╨╜╨╕╤Е ╨┤╨╛╤Е╨╛╨┤╨╛╨▓ ╨╕╨╗╨╕ IRS ╨▓╨╜╨╛╤Б╤П╤В ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╣ ╨▓╨║╨╗╨░╨┤ ╨┐╤А╨╡╨┤╨╡╨╗╤Л ╨║╨╛╤В╨╛╤А╤Л╨╝ ╨┤╨╛╨╗╨╢╨╜╤Л ╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╤М ╨╛╤В╨┤╨╡╨╗╤М╨╜╤Л╨╡ ╨╗╨╕╤Ж╨░. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨╡╤Б╨╗╨╕ ╨▓╨║╨╗╨░╨┤╤З╨╕╨║╨░╨╝ ╨╝╨╡╨╜╤М╤И╨╡ 50 ╨╗╨╡╤В, ╨╛╨╜╨╕ ╨╝╨╛╨│╤Г╤В ╨┐╨╛╤В╤А╨░╤В╨╕╤В╤М ╨┤╨╛ 20 500 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨╜╨░ ╤Б╨▓╨╛╨╡╨╝ ╤Б╤З╨╡╤В╨╡ 401K ╨▓ 2022 ╨│╨╛╨┤╤Г, ╨░ ╨╡╤Б╨╗╨╕ ╨╕╨╝ 50 ╨╗╨╡╤В ╨╕╨╗╨╕ ╨▒╨╛╨╗╤М╤И╨╡, ╨╗╨╕╨╝╨╕╤В ╤Г╨▓╨╡╨╗╨╕╤З╨╕╨▓╨░╨╡╤В╤Б╤П ╨┤╨╛ 27 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨╗╨╕╨╝╨╕╤В╤Л ╨┤╨╗╤П ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨╛╨▓ ╨╕╨╖ ╨▓╤Л╤Б╨╛╨║╨╛╨┤╨╛╤Е╨╛╨┤╨╜╤Л╤Е ╨│╤А╤Г╨┐╨┐ ╨╝╨╛╨│╤Г╤В ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨╛╤В╨╗╨╕╤З╨░╤В╤М╤Б╤П.
╨Ш╨а╨Р ╨┐╤А╨╛╤В╨╕╨▓ 401k ╨Ш╨╜╤Д╨╛╨│╤А╨░╤Д╨╕╨║╨░
╨Ф╨░╨▓╨░╨╣╤В╨╡ ╨┐╨╛╤Б╨╝╨╛╤В╤А╨╕╨╝ ╨╜╨░ ╨╛╤Б╨╜╨╛╨▓╨╜╤Л╨╡ ╤А╨░╨╖╨╗╨╕╤З╨╕╤П ╨╝╨╡╨╢╨┤╤Г IRA ╨╕ 401k.
╨Ш╨а╨Р ╨┐╤А╨╛╤В╨╕╨▓ 401K — ╨в╨╕╨┐╤Л
╨в╨╕╨┐╤Л ╨Ш╨а╨Р
╨Ъ╨╛╨│╨┤╨░ ╨╗╤О╨┤╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╤Г╤О╤В ╨▓ IRA, ╨╛╨╜╨╕ ╤Б╤В╨░╨╗╨║╨╕╨▓╨░╤О╤В╤Б╤П ╤Б ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╕╨╝╨╕ ╨▓╨░╤А╨╕╨░╨╜╤В╨░╨╝╨╕ ╨╜╨░ ╨▓╤Л╨▒╨╛╤А. ╨в╨╕╨┐╤Л IRA, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨▓╤Л╨▒╤А╨░╨╜╤Л, ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╨╡:
╨в╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╨░╤П ╨Ш╨а╨Р
╨н╤В╨╛ ╨▓╨░╤А╨╕╨░╨╜╤В, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕╨╝ ╨╗╨╕╤Ж╨░╨╝ ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨░╤В╤М ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М ╨▓ ╤Б╤З╨╡╤В IRA ╨▒╨╡╨╖ ╤Г╨┐╨╗╨░╤В╤Л ╨╜╨░╨╗╨╛╨│╨╛╨▓. ╨Ю╨┤╨╜╨░╨║╨╛ ╨▓╨║╨╗╨░╨┤╤З╨╕╨║╨╕ ╨┤╨╛╨╗╨╢╨╜╤Л ╨┐╨╗╨░╤В╨╕╤В╤М ╨╜╨░╨╗╨╛╨│╨╕ ╤Б ╨╛╨▒╤Л╤З╨╜╨╛╨│╨╛ ╨┤╨╛╤Е╨╛╨┤╨░. ╨Ю╨▒╤Л╤З╨╜╤Л╨╣ ╨┤╨╛╤Е╨╛╨┤ ╨Ю╨▒╤Л╤З╨╜╤Л╨╣ ╨┤╨╛╤Е╨╛╨┤ ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╨┤╨╛╤Е╨╛╨┤╨░╨╝ ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨│╨╛ ╨╕╨╗╨╕ ╤О╤А╨╕╨┤╨╕╤З╨╡╤Б╨║╨╛╨│╨╛ ╨╗╨╕╤Ж╨░, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╨▒╨╗╨░╨│╨░╤О╤В╤Б╤П ╨╜╨░╨╗╨╛╨│╨╛╨╝ ╨┐╨╛ ╨╛╨▒╤Л╤З╨╜╤Л╨╝ ╤Б╤В╨░╨▓╨║╨░╨╝. ╨в╨░╨║╨╕╨╡ ╨┤╨╛╤Е╨╛╨┤╤Л ╨▓╨║╨╗╤О╤З╨░╤О╤В ╨▓ ╤Б╨╡╨▒╤П ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г, ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г, ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╜╤Г╤О ╤А╨╡╨╜╤В╤Г, ╤А╨╛╤П╨╗╤В╨╕, ╨║╨╛╨╝╨╕╤Б╤Б╨╕╨╛╨╜╨╜╤Л╨╡, ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л, ╨┐╤А╨╕╨▒╤Л╨╗╤М ╨╕ ╤В. ╨┤. ╨Ю╨╜ ╨╕╤Б╨║╨╗╤О╤З╨░╨╡╤В ╨▓╤Б╨╡ ╨┤╨╛╤Е╨╛╨┤╤Л ╤Б ╨▓╤Л╤З╨╡╤В╨╛╨╝ ╨╜╨░╨╗╨╛╨│╨░ ╤Г ╨╕╤Б╤В╨╛╤З╨╜╨╕╨║╨░ ╨╕ ╤Б╤В╨░╨▓╨║╨╕ ╨┐╤А╨╕╤А╨╛╤Б╤В╨░ ╨║╨░╨┐╨╕╤В╨░╨╗╨░ ╨╜╨░ ╨╝╨╛╨╝╨╡╨╜╤В ╤Б╨╜╤П╤В╨╕╤П. ╨б╤Г╨╝╨╝╨░, ╨┐╨╛╨┤╨╗╨╡╨╢╨░╤Й╨░╤П ╨▓╤Л╤З╨╡╤В╤Г ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨╜╨░╨╗╨╛╨│╨░, ╨╛╨┐╤А╨╡╨┤╨╡╨╗╤П╨╡╤В╤Б╤П ╨╕╤Б╤Е╨╛╨┤╤П ╨╕╨╖ ╤Г╤А╨╛╨▓╨╜╤П ╨┤╨╛╤Е╨╛╨┤╨╛╨▓ ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕╤Е ╨╗╨╕╤Ж.
╨а╨╛╤В ╨Ш╨а╨Р
╨в╨╕╨┐ ╤Б╨▒╨╡╤А╨╡╨╢╨╡╨╜╨╕╨╣ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕╨╝ ╨╗╨╕╤Ж╨░╨╝ ╨┐╨╛╨╗╤Г╤З╨░╤В╤М ╨▒╨╡╨╖╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╨╡ ╨┤╨╛╤Е╨╛╨┤╤Л ╨┐╤А╨╕ ╤Б╨╜╤П╤В╨╕╨╕ ╤Б╤Н╨║╨╛╨╜╨╛╨╝╨╗╨╡╨╜╨╜╨╛╨╣ ╤Б╤Г╨╝╨╝╤Л. ╨Ъ╨╛╤А╨╛╤З╨╡ ╨│╨╛╨▓╨╛╤А╤П, ╨▓╨╖╨╜╨╛╤Б╤Л ╨╜╨╡ ╨┐╨╛╨┤╨╗╨╡╨╢╨░╤В ╨▓╤Л╤З╨╡╤В╤Г, ╨╜╨╛ ╤Б╤Г╤Й╨╡╤Б╤В╨▓╤Г╤О╤В ╨╛╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╕╤П ╨╜╨░ ╨┤╨╛╤Е╨╛╨┤, ╨┐╤А╨╡╨▓╤Л╤И╨╡╨╜╨╕╨╡ ╨║╨╛╤В╨╛╤А╤Л╤Е ╨╝╨╛╨╢╨╡╤В ╤Б╨┤╨╡╨╗╨░╤В╤М ╨┤╨╛╤Е╨╛╨┤ ╨╛╨▒╨╗╨░╨│╨░╨╡╨╝╤Л╨╝ ╨╜╨░╨╗╨╛╨│╨╛╨╝.
╨Я╨╛╨╝╨╕╨╝╨╛ ╨┤╨▓╤Г╤Е ╨▓╤Л╤И╨╡╨┐╨╡╤А╨╡╤З╨╕╤Б╨╗╨╡╨╜╨╜╤Л╤Е ╤И╨╕╤А╨╛╨║╨╕╤Е ╨║╨░╤В╨╡╨│╨╛╤А╨╕╨╣, ╨╡╤Б╤В╤М ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨╝╨╡╨╜╨╡╨╡ ╨┐╨╛╨┐╤Г╨╗╤П╤А╨╜╤Л╤Е, ╨╜╨╛ ╨▓╨░╨╢╨╜╤Л╤Е ╤В╨╕╨┐╨╛╨▓ IRA, ╨╛ ╨║╨╛╤В╨╛╤А╤Л╤Е ╨╗╤О╨┤╤П╨╝ ╤Б╨╗╨╡╨┤╤Г╨╡╤В ╨╖╨╜╨░╤В╤М, ╤З╤В╨╛╨▒╤Л ╨╕╨╖╤Г╤З╨╕╤В╤М ╨┤╤А╤Г╨│╨╕╨╡ ╨╛╤В╨║╤А╤Л╤В╤Л╨╡ ╨░╨╗╤М╤В╨╡╤А╨╜╨░╤В╨╕╨▓╤Л. ╨Ъ ╨╜╨╕╨╝ ╨╛╤В╨╜╨╛╤Б╤П╤В╤Б╤П:
- ╨Т╤Л╤З╨╡╤В ╨╕╨╖ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л тАУ ╨н╤В╨╛╤В ╤В╨╕╨┐ ╤Г╤З╨╡╤В╨╜╨╛╨╣ ╨╖╨░╨┐╨╕╤Б╨╕ IRA ╤Б╨╛╨╖╨┤╨░╨╡╤В╤Б╤П ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П╨╝╨╕, ╨┐╤А╨╕ ╤Н╤В╨╛╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╨▓╨╜╨╛╤Б╤П╤В ╤Б╨▓╨╛╨╣ ╨▓╨║╨╗╨░╨┤ ╨┐╨╛╤Б╤А╨╡╨┤╤Б╤В╨▓╨╛╨╝ ╤Г╨┤╨╡╤А╨╢╨░╨╜╨╕╤П ╨╕╨╖ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л. , ╨Т╤Л╤З╨╡╤В╤Л ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╝╨╕ ╨╕╨╗╨╕ ╨┤╨╛╨▒╤А╨╛╨▓╨╛╨╗╤М╨╜╤Л╨╝╨╕.╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡.
- ╨б╨╡╨╜╤В╤П╨▒╤А╤М — ╨н╤В╨╛ ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╤Г╨┐╤А╨╛╤Й╨╡╨╜╨╜╤Л╨╣ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╨╗╨░╨╜ ╨┤╨╗╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓, ╨┐╤А╨╕ ╨║╨╛╤В╨╛╤А╨╛╨╝ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╤Б╨╛ ╤Б╨▓╨╛╨╡╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л ╨▓╨╜╨╛╤Б╤П╤В ╨╜╨╡╨┐╨╛╤Б╤А╨╡╨┤╤Б╤В╨▓╨╡╨╜╨╜╤Л╨╣ ╨▓╨║╨╗╨░╨┤ ╨▓ ╤Б╨╛╨╖╨┤╨░╨╜╨╕╨╡ IRA ╨┤╨╗╤П ╨╛╤В╨┤╨╡╨╗╤М╨╜╤Л╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓.
- ╨Я╤А╨╛╤Б╤В╨╛╨╣ ╨┐╨╗╨░╨╜ IRA тАУ ╨н╤В╨╛ ╤Б╨╛╨║╤А╨░╤Й╨╡╨╜╨╕╨╡ ╨╛╤В Savings Incentive Match Plan ╨┤╨╗╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓, ╨┐╨╛╨╗╨╛╨╢╨╡╨╜╨╕╨╡ ╨┤╨╗╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╤Б╨╛ ╤Б╤В╨╛╤А╨╛╨╜╤Л ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П. ╨Т ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╕╨╕ ╤Б ╤Н╤В╨╕╨╝ ╨┐╨╗╨░╨╜╨╛╨╝ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨╕ ╨╝╨╛╨│╤Г╤В ╨▓╨╜╨╡╤Б╤В╨╕ ╤Б╨▓╨╛╨╣ ╨▓╨║╨╗╨░╨┤ ╨▓ ╨▓╨╕╨┤╨╡ ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╤П ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л, ╨░ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨╝╨╛╨│╤Г╤В ╨▓╨╜╨╛╤Б╨╕╤В╤М ╤А╨░╨▓╨╜╤Л╨╡ ╨╕╨╗╨╕ ╨╖╨╜╨░╤З╨╕╤В╨╡╨╗╤М╨╜╤Л╨╡ ╨▓╨╖╨╜╨╛╤Б╤Л.
401 ╤В╤Л╤Б. ╤В╨╕╨┐╨╛╨▓
╨Ы╤О╨┤╨╕, ╨▓╤Л╨▒╨╕╤А╨░╤О╤Й╨╕╨╡ 401K ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨▓╨░╤А╨╕╨░╨╜╤В╨░ ╤Б╨▒╨╡╤А╨╡╨╢╨╡╨╜╨╕╨╣ ╨┤╨╗╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛ ╨╜╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╨╣ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╨╛╨╣ ╨╢╨╕╨╖╨╜╨╕, ╤В╨░╨║╨╢╨╡ ╨┐╨╛╨╗╤Г╤З╨░╤О╤В ╨╝╨╜╨╛╨╢╨╡╤Б╤В╨▓╨╛ ╨▓╨░╤А╨╕╨░╨╜╤В╨╛╨▓ ╨┤╨╗╤П ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣. ╨Э╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╕╨╖ ╤Н╤В╨╕╤Е ╨░╨╗╤М╤В╨╡╤А╨╜╨░╤В╨╕╨▓ ╨▓╨║╨╗╤О╤З╨░╤О╤В:
╨в╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ 401K
╨н╤В╨╛╤В ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╤Б╨▒╨╡╤А╨╡╨│╨░╤В╨╡╨╗╤М╨╜╤Л╨╣ ╨┐╨╗╨░╨╜ ╨┐╨╛╤Е╨╛╨╢ ╨╜╨░ ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ IRAT. ╨в╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ IRAA ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ IRA ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╨╣ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╤Б╤З╨╡╤В, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╨╛╨╝╨╛╨│╨░╨╡╤В ╨╗╤О╨┤╤П╨╝ ╤Н╨║╨╛╨╜╨╛╨╝╨╕╤В╤М ╨╜╨░╨╗╨╛╨│╨╕ ╨╕ ╤Г╨▓╨╡╨╗╨╕╤З╨╕╨▓╨░╤В╤М ╤Б╨▓╨╛╨╣ ╨┤╨╛╤Е╨╛╨┤ ╨┤╨╗╤П ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╨┐╨╗╨░╨╜╨╛╨▓. ╨Ю╨╜╨╕ ╨┐╤А╨╡╨┤╨┐╨╛╤З╤В╨╕╤В╨╡╨╗╤М╨╜╨╡╨╡ ╨╕╨╖-╨╖╨░ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╤Е ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╤Е ╨╗╤М╨│╨╛╤В, ╤А╨░╨╖╤А╨╡╤И╨╡╨╜╨╜╤Л╤Е ╨┤╨╗╤П ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣, ╤Б╨┤╨╡╨╗╨░╨╜╨╜╤Л╤Е ╤Б╨╛ ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░╨╝╨╕ ╨╜╨░ ╤Б╤З╨╡╤В╨╡. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╤Б╤Е╨╡╨╝╨░. ╨а╨░╨╖╨╜╨╕╤Ж╨░ ╨╗╨╕╤И╤М ╨▓ ╤В╨╛╨╝, ╤З╤В╨╛ ╨╛╨╜╨╕ ╤Б╨┐╨╛╨╜╤Б╨╕╤А╤Г╤О╤В╤Б╤П ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╝. ╨Т╨╖╨╜╨╛╤Б╤Л ╨╕ ╨┤╨╛╤Е╨╛╨┤╤Л ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨╛╨▓ ╨▓ ╤Н╤В╨╛╨╝ ╤Б╨╗╤Г╤З╨░╨╡ ╨╜╨╡ ╨╛╨▒╨╗╨░╨│╨░╤О╤В╤Б╤П ╨╜╨░╨╗╨╛╨│╨╛╨╝. ╨Ю╨┤╨╜╨░╨║╨╛ ╨┤╨╛╤Е╨╛╨┤╤Л ╨╛╤В ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣ ╨╛╨▒╨╗╨░╨│╨░╤О╤В╤Б╤П ╨╜╨░╨╗╨╛╨│╨╛╨╝ ╤Б╤А╨░╨╖╤Г ╨╢╨╡ ╨┐╨╛╤Б╨╗╨╡ ╨╕╤Е ╨╕╨╖╤К╤П╤В╨╕╤П.
╨Я╨╗╨░╨╜ ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╨╛╨╣ ╨│╨░╨▓╨░╨╜╨╕
╨н╤В╨╛ ╤Б╤Е╨╡╨╝╨░, ╨░╨╜╨░╨╗╨╛╨│╨╕╤З╨╜╨░╤П ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╨╛╨╝╤Г ╨┐╨╗╨░╨╜╤Г 401K. ╨Ю╨┤╨╜╨░╨║╨╛ ╨▓ ╤Н╤В╨╛╨╝ ╤Б╨╗╤Г╤З╨░╨╡, ╨║╨╛╨│╨┤╨░ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨▓╨╜╨╛╤Б╨╕╤В ╨▓╨╖╨╜╨╛╤Б╤Л, ╨╛╨╜╨╕ ╨┐╨╛╨╗╨╜╨╛╤Б╤В╤М╤О ╨╖╨░╨║╤А╨╡╨┐╨╗╨╡╨╜╤Л. ╨Я╨╛╨╗╨╜╨░╤П ╨┐╨╡╤А╨╡╨┤╨░╤З╨░ ╨┐╤А╨░╨▓ ╨Я╨╛╨╗╨╜╨░╤П ╨┐╨╡╤А╨╡╨┤╨░╤З╨░ ╨┐╤А╨░╨▓ ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╤Б╨╕╤В╤Г╨░╤Ж╨╕╤О, ╨║╨╛╨│╨┤╨░ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А ╨╛╨▒╨╗╨░╨┤╨░╨╡╤В ╨▓╤Б╨╡╨╝╨╕ ╨┐╨╛╨╗╨╜╨╛╨╝╨╛╤З╨╕╤П╨╝╨╕ ╨╕ ╨║╨╛╨╜╤В╤А╨╛╨╗╨╡╨╝ ╨╜╨░╨┤ ╨║╨░╨╢╨┤╤Л╨╝ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╨╛╨╝ (╨╛╨┐╤Ж╨╕╨╛╨╜╤Л ╨╜╨░ ╨░╨║╤Ж╨╕╨╕, ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╨┐╨╛╤Б╨╛╨▒╨╕╤П, ╤Г╤З╨░╤Б╤В╨╕╨╡ ╨▓ ╨┐╤А╨╕╨▒╤Л╨╗╤П╤Е). ╨Ч╨░ ╨╜╨╕╨╝ ╤З╨░╤Б╤В╨╛ ╤Б╨╗╨╡╨┤╤Г╨╡╤В ╨│╤А╨░╤Д╨╕╨║ ╨╜╨░╨┤╨╡╨╗╨╡╨╜╨╕╤П ╨┐╤А╨░╨▓╨░╨╝╨╕. ╨н╤В╨╛ ╨┐╤А╨╛╨▓╨╡╤А╨╡╨╜╨╜╨╛╨╡ ╨┐╤А╨░╨▓╨╛ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨░ ╨╕ ╨╜╨╡ ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╨╕╨╖╤К╤П╤В╨╛ ╤Г ╨┐╨╛╤Б╤В╨╛╤А╨╛╨╜╨╜╨╡╨│╨╛.╤З╨╕╤В╨░╤В╤М ╨┤╨░╨╗╤М╤И╨╡. ╨Т ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╡ ╨▓╨╖╨╜╨╛╤Б ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╤А╨░╨▓╨╜╤Л╨╝ ╨┤╨╗╤П ╨▓╤Б╨╡╤Е ╨┐╤А╨░╨▓╨╛╨╝╨╛╤З╨╜╤Л╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨╕╨╗╨╕ ╨╝╨╛╨╢╨╡╤В ╨╛╤Б╨╜╨╛╨▓╤Л╨▓╨░╤В╤М╤Б╤П ╨╜╨░ ╨┤╨╛╨▒╤А╨╛╨▓╨╛╨╗╤М╨╜╤Л╤Е ╨╛╤В╤Б╤А╨╛╤З╨║╨░╤Е, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╨╜╨╕ ╨┤╨╡╨╗╨░╤О╤В.
╨Я╨а╨Ю╨б╨в╨л╨Х ╨┐╨╗╨░╨╜╤Л
╨н╤В╨░ ╤Б╤Е╨╡╨╝╨░ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╤Б╨▒╨╡╤А╨╡╨╢╨╡╨╜╨╕╨╣ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨╝╨░╨╗╤Л╨╝ ╨┐╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╤П╨╝ ╨╕╨╝╨╡╤В╤М ╤Н╨║╨╛╨╜╨╛╨╝╨╕╤З╨╡╤Б╨║╨╕ ╤Н╤Д╤Д╨╡╨║╤В╨╕╨▓╨╜╤Г╤О ╨╝╨╡╤А╤Г ╨┤╨╗╤П ╨▓╨▓╨╡╨┤╨╡╨╜╨╕╤П ╤Н╤Д╤Д╨╡╨║╤В╨╕╨▓╨╜╤Л╤Е ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╨┐╨╛╤Б╨╛╨▒╨╕╨╣ ╨┤╨╗╤П ╤Б╨▓╨╛╨╕╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨▓ ╨╛╤В╨╗╨╕╤З╨╕╨╡ ╨╛╤В ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╨╛╨╣ ╤Б╤Е╨╡╨╝╤Л 401K, ╤Н╤В╨╛╤В ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╣ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В ╨▓╤А╤П╨┤ ╨╗╨╕ ╨▒╤Г╨┤╨╡╤В ╨┐╤А╨╛╤Е╨╛╨┤╨╕╤В╤М ╨║╨░╨║╨╕╨╡-╨╗╨╕╨▒╨╛ ╨╡╨╢╨╡╨│╨╛╨┤╨╜╤Л╨╡ ╨┐╤А╨╛╨▓╨╡╤А╨║╨╕ ╨╜╨░ ╨╜╨╡╨┤╨╕╤Б╨║╤А╨╕╨╝╨╕╨╜╨░╤Ж╨╕╤О.
╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕
╨н╤В╨╛ ╤А╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨╛ ╨┐╨╛ IRA ╨┐╤А╨╛╤В╨╕╨▓ 401k. ╨Ч╨┤╨╡╤Б╤М ╨╝╤Л ╨╛╨▒╤К╤П╤Б╨╜╤П╨╡╨╝ ╨╕╤Е ╨╖╨╜╨░╤З╨╡╨╜╨╕╤П, ╤В╨╕╨┐╤Л, ╤Б╤Е╨╛╨┤╤Б╤В╨▓╨░ ╨╕ ╨╛╤Б╨╜╨╛╨▓╨╜╤Л╨╡ ╤А╨░╨╖╨╗╨╕╤З╨╕╤П, ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤П ╨╕╨╜╤Д╨╛╨│╤А╨░╤Д╨╕╨║╤Г ╨╕ ╤Б╤А╨░╨▓╨╜╨╕╤В╨╡╨╗╤М╨╜╤Г╤О ╤В╨░╨▒╨╗╨╕╤Ж╤Г. ╨Т╤Л ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨╢╨╡╤В╨╡ ╨╛╨╖╨╜╨░╨║╨╛╨╝╨╕╤В╤М╤Б╤П ╤Б╨╛ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╨╝╨╕ ╤Б╤В╨░╤В╤М╤П╨╝╨╕ тАУ
- ╨а╨░╨╖╨╗╨╕╤З╨╕╤П ╨╝╨╡╨╢╨┤╤Г ╨░╨╜╨╜╤Г╨╕╤В╨╡╤В╨╛╨╝ ╨╕ 401k
- 401k ╨┐╤А╨╛╤В╨╕╨▓ ╨а╨╛╤В╨░ ╨Ш╨а╨Р
- ╨Ф╨╕╨▓╨╕╨┤╨╡╨╜╨┤╤Л ╨░╨║╤Ж╨╕╨╣
- ╨д╨╛╤А╨╝╤Г╨╗╨░ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ ╨╛╤В ╨┐╤А╨╕╤А╨╛╤Б╤В╨░ ╨║╨░╨┐╨╕╤В╨░╨╗╨░
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