个人401K（Individual 401K)，单干户省税的福音。

如果你是单干户，专业地主也好，专业炒股也好，或是单干的合同码工，你都可以给自己开一个401K账号，延税存钱退休。

今年个人401K计划雇员+雇主的两份，最多可以存入$51000（50岁以上$57500），也就是说5万多元今年不用交税。如果你还没有开设这个计划，现在还来得及。俺再雷锋一下，提醒大家可不要错过山姆大叔给的延税好机会哦。

所有跟帖： 

• It is too late for year 2014 for simple IRA -春风鸟语花香- ♀ (0 bytes) () 10/08/2014 postreply 11:50:35

• individual 401K plan -laoyangdelp- ♀ (0 bytes) () 10/08/2014 postreply 11:52:25

• 是不是SEP？SEP如果2个人都存可以是56k。 -微雨新晴- ♀ (0 bytes) () 10/08/2014 postreply 13:08:32

• not SEP. Individual 401K has higher limit than SEP. But SEP has -laoyangdelp- ♀ (0 bytes) () 10/08/2014 postreply 13:26:41

• But you need to have income of over $200K to reach the maximum . -Peter25- ♂ (72 bytes) () 10/08/2014 postreply 14:16:10

• You mean 2013? -不开窍- ♂ (0 bytes) () 10/08/2014 postreply 12:01:03

• 如果不是单干户,比如公司的401K，就不能开了?这可是两倍401K -trimtip- ♂ (0 bytes) () 10/08/2014 postreply 12:10:19

• 每人每年只能参加一个401K计划，所以如果你参加了公司的401K计划，就不能往个人401K计划里放钱了。 -laoyangdelp- ♀ (113 bytes) () 10/08/2014 postreply 12:27:17

• 需要人set up 401k plan，才可以开户吗？ -微雨新晴- ♀ (0 bytes) () 10/08/2014 postreply 17:56:12

• 用公司开401k可以存更多，如果有员工match他们401k又更多。 -微雨新晴- ♀ (0 bytes) () 10/08/2014 postreply 12:23:07

• 当然有公司match 最好。这里不是说的单干户吗？ -laoyangdelp- ♀ (0 bytes) () 10/08/2014 postreply 12:30:29

• 单干也可以开公司的呀。 -微雨新晴- ♀ (0 bytes) () 10/08/2014 postreply 12:34:38

• Individual 401K is for 单干开的公司 -laoyangdelp- ♀ (0 bytes) () 10/08/2014 postreply 13:17:57

• 喔，明白，就是要开了公司才能做的。 -微雨新晴- ♀ (0 bytes) () 10/08/2014 postreply 13:21:39

• 考虑 到RMD和退休后的收入结构，怎样优化401K, 是合理避税的关键 -西木人- ♂ (0 bytes) () 10/08/2014 postreply 12:25:28

• 什么是RMD？请讲如何优化401K。 -laoyangdelp- ♀ (0 bytes) () 10/08/2014 postreply 12:33:26

• ?Required Minimum Distribution?at 70.5. 比如说 -西木人- ♂ (211 bytes) () 10/08/2014 postreply 12:51:52

• good point. We always afraid we don't save enough, not thought w -laoyangdelp- ♀ (360 bytes) () 10/08/2014 postreply 13:24:28

• strategy -ZhangZhouDaTou- ♀ (264 bytes) () 10/08/2014 postreply 20:11:11

• unfortunately -laoyangdelp- ♀ (161 bytes) () 10/08/2014 postreply 20:15:08

• Yes, it is taxable -ZhangZhouDaTou- ♀ (319 bytes) () 10/08/2014 postreply 20:51:46

• Thanks. The purpose of roll back into a 401K/I-401K is -laoyangdelp- ♀ (154 bytes) () 10/08/2014 postreply 21:34:51

• I have been doing this myself for many years .. -Peter25- ♂ (87 bytes) () 10/08/2014 postreply 13:41:33

• In your case, self-employment tax which doubles regular social s -Littlemango- ♀ (0 bytes) () 10/08/2014 postreply 13:48:06

• Yes, I am paying 14.6% SS tax -Peter25- ♂ (93 bytes) () 10/08/2014 postreply 13:53:32

• Indeed. There is no such thing like free lunch. -Littlemango- ♀ (0 bytes) () 10/08/2014 postreply 13:57:12

• for sec8 tenants,government give 1099, for regular tenants how -IEbird- ♀ (29 bytes) () 10/08/2014 postreply 13:59:38

• If this is the case, it's much based on honor system especially -Littlemango- ♀ (94 bytes) () 10/08/2014 postreply 14:04:30

• You pay yourself .. -Peter25- ♂ (0 bytes) () 10/08/2014 postreply 14:13:07

• I think his or her question is how to report rental income if -Littlemango- ♀ (80 bytes) () 10/08/2014 postreply 14:18:44

• thanks, that is my question, I collect rent by myself. do I need -IEbird- ♀ (28 bytes) () 10/08/2014 postreply 14:38:45

• No, you don't. Just report your rental income on your Sch. E. -Littlemango- ♀ (121 bytes) () 10/08/2014 postreply 14:50:28

• thanks -IEbird- ♀ (0 bytes) () 10/08/2014 postreply 14:57:04

• My pleasure. -Littlemango- ♀ (0 bytes) () 10/08/2014 postreply 15:07:28

• Yeh, you need to give yourself a 1099 -Peter25- ♂ (147 bytes) () 10/08/2014 postreply 15:36:21

• I beg to differ. Unless your are RE professional, your rental -Littlemango- ♀ (184 bytes) () 10/08/2014 postreply 15:57:55

• 您指的是要有自己个人的公司，就可以开个人401K,老公失业半年，刚找了临时的，没有401K，要能开一个也可以省点tax, 谢谢！ -mimi56- ♀ (0 bytes) () 10/08/2014 postreply 14:25:41

• 这个好像是不是要看有没有self-employment的收入先? -Littlemango- ♀ (0 bytes) () 10/08/2014 postreply 14:29:38

• 有了LLC 就是有了公司吗? -Lee5588- ♂ (0 bytes) () 10/09/2014 postreply 11:29:55