为什么不做个solo 401k，在fidelity 搞定5分钟，夫妇两人$146，000一年，没有费用

For 2024, a Solo 401(k) allows both spouses to contribute if they are both earning income from the business. Each spouse can make employee deferrals of up to $23,000 (or $30,500 if they are over 50). In addition, as the employer, the business can contribute up to 25% of compensation for each spouse, with a combined contribution limit (employee plus employer) of $73,500 per person or $146,000 total for the couple, subject to income levels and IRS guidelines.

 

 

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• 这个太少了。defined pension plan 可以一个人放28万 -silentvalley- ♀ (110 bytes) () 10/24/2024 postreply 19:14:15

• 胜在简单，哈哈，别偷鸡不成蚀把米。你这手续费用好多，还要Audit，5500，等等，得要专业人员，哈哈 -BrightLine- ♂ (0 bytes) () 10/24/2024 postreply 19:17:20

• 我也问个，如果公司是两个不同合伙人，没其他员工，能给自己MATCH 401K几倍吗，有限制额度吗 -bobpainting- ♀ (0 bytes) () 10/24/2024 postreply 20:31:14

• 应该可以的，具体你得咨询CPA -米奇的厨房- ♂ (0 bytes) () 10/24/2024 postreply 20:34:42

• Solo 401K只适用于单人公司或者夫妻店 -云起千百度- ♀ (0 bytes) () 10/24/2024 postreply 23:16:20

• Employee contribution and employer match 总数不能超过69000 -云起千百度- ♀ (0 bytes) () 10/24/2024 postreply 23:19:19

• 他可以建立401K，不是solo，只要对每个employee都一样公平即可 -米奇的厨房- ♂ (0 bytes) () 10/25/2024 postreply 04:06:26