{"id":28786,"date":"2026-03-12T14:41:00","date_gmt":"2026-03-12T14:41:00","guid":{"rendered":"https:\/\/www.kcal.net\/simplified\/?p=28786"},"modified":"2026-03-24T22:38:18","modified_gmt":"2026-03-24T22:38:18","slug":"2026-tax-filing-ira-annuity","status":"publish","type":"post","link":"https:\/\/www.kcal.net\/simplified\/our-blog\/2026-tax-filing-ira-annuity\/","title":{"rendered":"\u62a5\u7a0e\u5b63\u5fc5\u770b\uff1aIRA \u600e\u4e48\u4e70\uff1f\u5e74\u91d1\u6709\u4f55\u4f18\u52bf\uff1f"},"content":{"rendered":"\t\t
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\u6bcf\u9022\u62a5\u7a0e\u65fa\u5b63\u4e34\u8fd1\uff0c\u8bb8\u591a\u9ad8\u6240\u5f97\u7eb3\u7a0e\u4eba\u90fd\u4f1a\u6536\u5230\u4f1a\u8ba1\u5e08\u7684\u5efa\u8bae\uff1a\u5f00\u8bbe\u4e2a\u4eba\u9000\u4f11\u5e10\u6237\uff08IRA\uff09\u3002\u8fd9\u4e0d\u4ec5\u662f\u4e3a\u672a\u6765\u9000\u4f11\u751f\u6d3b\u9884\u505a\u51c6\u5907\uff0c\u66f4\u662f\u5f53\u4e0b\u5408\u6cd5\u964d\u4f4e\u7a0e\u8d1f\u7684\u9ad8\u6548\u624b\u6bb5\u3002<\/p>\n

\u7136\u800c\uff0c\u9762\u5bf9\u590d\u6742\u7684\u91d1\u878d\u672f\u8bed\uff0c\u8bb8\u591a\u4eba\u5fc3\u4e2d\u4ecd\u6709\u7591\u95ee\uff1aIRA \u5177\u4f53\u8be5\u5982\u4f55\u529e\u7406\uff1f\u4fdd\u9669\u516c\u53f8\u63a8\u8350\u7684\u201c\u5e74\u91d1\uff08Annuity\uff09\u201d\u7a76\u7adf\u662f\u4ec0\u4e48\uff1f\u5b83\u4e0e IRA \u4e4b\u95f4\u53c8\u6709\u600e\u6837\u7684\u5173\u8054\uff1f<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\u70b9\u6b64\u4e86\u89e3\u66f4\u591a\u4fe1\u606f<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\u4e00\u3001\u8ba4\u8bc6 IRA\uff1a\u4e24\u5927\u9000\u4f11\u50a8\u84c4\u5de5\u5177<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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IRA\uff08Individual Retirement Account\uff0c\u4e2a\u4eba\u9000\u4f11\u5e10\u6237\uff09\u662f\u7f8e\u56fd\u653f\u5e9c\u9f13\u52b1\u6c11\u4f17\u50a8\u84c4\u517b\u8001\u7684\u91cd\u8981\u5de5\u5177\u3002\u6839\u636e\u7eb3\u7a0e\u65f6\u95f4\u7684\u4e0d\u540c\uff0c\u4e3b\u8981\u5206\u4e3a\u4ee5\u4e0b\u4e24\u7c7b\uff0c\u7eb3\u7a0e\u4eba\u53ef\u4f9d\u636e\u81ea\u8eab\u7684\u7a0e\u52a1\u89c4\u5212\u7075\u6d3b\u9009\u62e9\uff1a<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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1. Traditional IRA\uff08\u4f20\u7edf\u578b IRA\uff09\u2014\u2014 \u5ef6\u7a0e\u4f18\u60e0<\/span><\/strong><\/p>\n

\u8d44\u91d1\u6027\u8d28\uff1a<\/span><\/strong>\u5b58\u5165\u7684\u662f\u7a0e\u524d\u8d44\u91d1\uff08Pre-Tax\uff09\u3002<\/p>\n

\u6838\u5fc3\u4f18\u52bf\uff1a<\/span><\/strong>\u5f53\u5e74\u62b5\u7a0e\uff0c<\/strong>\u5b58\u5165\u7684\u91d1\u989d\u53ef\u76f4\u63a5\u4ece\u5f53\u5e74\u7684\u5e94\u7a0e\u6240\u5f97\u4e2d\u6263\u9664\uff0c\u4ece\u800c\u964d\u4f4e\u5f53\u5e74\u5ea6\u7684\u7a0e\u5355\u91d1\u989d\u3002\u7a0e\u6536\u9012\u5ef6\uff0c<\/strong>\u5e10\u6237\u5185\u7684\u672c\u91d1\u53ca\u6295\u8d44\u6536\u76ca\u5728\u9886\u53d6\u524d\u65e0\u9700\u7f34\u7a0e\u3002\u7a0e\u6b3e\u4ec5\u5728\u60a8\u672a\u6765\u9000\u4f11\u9886\u53d6\u65f6\uff0c\u6309\u5f53\u65f6\u7684\u7a0e\u7387\u7f34\u7eb3\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u4f8b\u5982\uff1a\u5e74\u6536\u5165\u4e3a5\u4e07\u7f8e\u5143\uff0c\u7a0e\u7387\u4e3a10%\uff0c\u5982\u679c\u5411\u8d26\u6237\u5b58\u51657,000 \u7f8e\u5143\uff0c\u5e94\u7a0e\u6536\u5165\u5c06\u964d\u81f34.3\u4e07\u7f8e\u5143\uff0c\u53ef\u8282\u7701700\u7f8e\u5143\u7a0e\u6b3e\u3002<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2. Roth IRA\uff08\u7f57\u65af\u578b IRA\uff09\u2014\u2014 \u514d\u7a0e\u589e\u503c<\/span><\/strong><\/p>\n

\u8d44\u91d1\u6027\u8d28\uff1a<\/span><\/strong>\u5b58\u5165\u7684\u662f\u7a0e\u540e\u8d44\u91d1\uff08After-Tax\uff09\u3002<\/p>\n

\u6838\u5fc3\u4f18\u52bf\uff1a<\/span>\u5f53\u4e0b\u7eb3\u7a0e\uff0c<\/strong><\/strong>\u5b58\u5165\u65f6\u4e0d\u53ef\u62b5\u6263\u5f53\u5e74\u5ea6\u5e94\u7a0e\u6240\u5f97\u3002\u672a\u6765\u514d\u7a0e\uff0c<\/strong><\/strong>\u53ea\u8981\u7b26\u5408\u76f8\u5173\u89c4\u5b9a\uff08\u5982\u5e10\u6237\u6301\u6709\u6ee1\u4e94\u5e74\uff09\uff0c\u672a\u6765\u9886\u53d6\u65f6\uff0c\u672c\u91d1\u4e0e\u6240\u6709\u6295\u8d44\u6536\u76ca\u5747\u53ef\u5b8c\u5168\u514d\u7a0e\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u8865\u5145\u8bf4\u660e\uff1aTrump \u603b\u7edf\u63d0\u51fa\u7684\u201c\u5927\u800c\u7f8e\u201d\u7a0e\u6539\u6cd5\u6848\uff0c\u5c06\u4e8e2027\u5e74\u7533\u62a52026\u5e74\u7a0e\u6b3e\u65f6\u6b63\u5f0f\u751f\u6548\u3002\u76ee\u524d\u8fdb\u884c\u76842025\u62a5\u7a0e\u5e74\u5ea6\uff0c\u4ecd\u6309\u539f\u6709\u89c4\u5219\u6267\u884c\u3002<\/span><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u4e8c\u3001IRA \u5f00\u6237\uff1a\u6d41\u7a0b\u7b80\u4fbf\u5feb\u901f<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u5f00\u8bbe IRA \u5e10\u6237\u4e3b\u8981\u6709\u4e09\u79cd\u6e20\u9053\uff0c\u4e0d\u540c\u7684\u5f00\u6237\u673a\u6784\u4f1a\u5339\u914d\u4e0d\u540c\u7684\u91d1\u878d\u4ea7\u54c1\uff1a<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u4e86\u89e3\u79cd\u7c7b\u540e\uff0c\u8bb8\u591a\u4eba\u62c5\u5fc3\u5f00\u6237\u624b\u7eed\u7e41\u7410\u3002\u5176\u5b9e\uff0c\u5f00\u6237\u6d41\u7a0b\u975e\u5e38\u7b80\u5355\uff1a\u786e\u5b9a\u5b58\u5165\u91d1\u989d\uff0c\u586b\u5199\u7533\u8bf7\u8868\uff0c\u5f85\u4fdd\u9669\u516c\u53f8\u786e\u8ba4\u8d44\u91d1\u5230\u8d26\u540e\uff0c\u4fdd\u5355\u6b63\u5f0f\u751f\u6548\u3002\u6b64\u540e\uff0c\u53ef\u4ee5\u6839\u636e\u81ea\u8eab\u9700\u8981\u968f\u65f6\u5f00\u59cb\u9886\u53d6\u8d44\u91d1\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\u7acb\u5373\u81f4\u7535\u54a8\u8be2<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\u7acb\u5373\u7ebf\u4e0a\u54a8\u8be2<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\u4e09\u3001\u5e74\u91d1\u4ea7\u54c1\uff1a\u72ec\u7279\u4f18\u52bf\u89e3\u6790<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u867d\u7136\u94f6\u884c\u548c\u5238\u5546\u4e5f\u63d0\u4f9b IRA \u5e10\u6237\uff0c\u4f46\u5728\u4fdd\u9669\u516c\u53f8\u5f00\u8bbe IRA \u5e10\u6237\uff0c\u5176\u4ea7\u54c1\u5f62\u5f0f\u901a\u5e38\u4e3a\u5e74\u91d1\uff08Annuity\uff09\u3002\u76f8\u6bd4\u4f20\u7edf\u50a8\u84c4\uff0c\u5e74\u91d1\u578b IRA \u5177\u5907\u4ee5\u4e0b\u663e\u8457\u4f18\u52bf\uff1a<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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1. \u5229\u7387\u4f18\u52bf\uff1a <\/span><\/strong>\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u7684\u5e74\u91d1\u5229\u7387\u666e\u904d\u9ad8\u4e8e\u94f6\u884c\u7684\u5b9a\u5b58\u5229\u7387\uff0c\u7279\u522b\u662f\u80a1\u6307\u578b\u5e74\u91d1\uff08Indexed Annuity\uff09\uff0c\u4fdd\u8bc1\u672c\u91d1\u4e0d\u968f\u5e02\u573a\u4e0b\u8dcc\u7684\u524d\u63d0\u4e0b\uff0c\u8ba9\u6295\u8d44\u4eba\u6709\u673a\u4f1a\u5206\u4eab\u80a1\u5e02\u4e0a\u6da8\u5e26\u6765\u7684\u7ea2\u5229\u3002<\/p>\n

2. \u7ec8\u8eab\u6536\u5165\u4fdd\u969c\uff1a<\/span><\/strong>\u53ef\u4ee5\u9009\u62e9\u201c\u7ec8\u8eab\u9886\u53d6\u201d\u6a21\u5f0f\uff0c\u5c06\u7d2f\u79ef\u7684\u8d44\u4ea7\u8f6c\u5316\u4e3a\u7a33\u5b9a\u7684\u73b0\u91d1\u6d41\u3002\u6d3b\u5230\u8001\uff0c\u9886\u5230\u8001\uff1a\u65e0\u8bba\u5bff\u547d\u591a\u957f\uff0c\u4fdd\u9669\u516c\u53f8\u90fd\u627f\u8bfa\u6309\u6708\u652f\u4ed8\u9000\u4f11\u91d1\u3002<\/p>\n

3. \u5f00\u6237\u7ea2\u5229\uff1a<\/span><\/strong>\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u5f00\u6237\u5956\u52b1\uff0c\u4f9d\u636e\u60a8\u5b58\u5165\u91d1\u989d\u7684\u4e00\u5b9a\u6bd4\u4f8b\uff0c\u76f4\u63a5\u5411\u5e10\u6237\u8d60\u9001\u989d\u5916\u8d44\u91d1\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u00b7 \u7ea2\u5229\u95e8\u69db<\/strong>\uff1a\u90e8\u5206\u516c\u53f8\u4ea7\u54c1\u4ec5\u9700\u5b58\u51652,000\u7f8e\u5143\u5373\u53ef\u4eab\u53d7\u7ea2\u5229\uff1b\u591a\u6570\u4e3b\u6d41\u4ea7\u54c1\u7684\u95e8\u69db\u4e3a2\u4e07\u7f8e\u5143\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u00b7 \u8ffd\u52a0\u89c4\u5219<\/strong>\uff1a\u5927\u591a\u6570\u516c\u53f8\u4ec5\u63d0\u4f9b\u4e00\u6b21\u5f00\u6237\u7ea2\u5229\uff0c\u540e\u7eed\u8ffd\u52a0\u8d44\u91d1\u4e0d\u518d\u4eab\u53d7\u3002\u4e2a\u522b\u516c\u53f8\u5141\u8bb8\u5728\u5f00\u6237\u540e18\u4e2a\u6708\u5185\u8ffd\u52a0\u8d44\u91d1\uff0c\u4e14\u8ffd\u52a0\u90e8\u5206\u540c\u6837\u4eab\u6709\u7ea2\u5229\u653f\u7b56\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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4. \u590d\u5229\u6548\u5e94\uff1a<\/span><\/strong>\u6295\u5165\u91d1\u989d\u8d8a\u5927\uff0c\u7ea2\u5229\u4e0e\u590d\u5229\u7684\u7d2f\u79ef\u6548\u679c\u8d8a\u663e\u8457\uff0c\u957f\u671f\u8d22\u5bcc\u589e\u503c\u80fd\u529b\u66f4\u5f3a\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\u56db\u3001\u91cd\u8981\u63d0\u9192\uff1a\u62a5\u7a0e\u5b63\u5173\u952e\u65f6\u7a0b<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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