為什麽不做個solo 401k，在fidelity 搞定5分鍾，夫婦兩人$146，000一年，沒有費用

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.

 

 

所有跟帖： 

• 這個太少了。defined pension plan 可以一個人放28萬 -silentvalley- ♀ (110 bytes) () 10/24/2024 postreply 19:14:15

• 勝在簡單，哈哈，別偷雞不成蝕把米。你這手續費用好多，還要Audit，5500，等等，得要專業人員，哈哈 -BrightLine- ♂ (0 bytes) () 10/24/2024 postreply 19:17:20

• 我也問個，如果公司是兩個不同合夥人，沒其他員工，能給自己MATCH 401K幾倍嗎，有限製額度嗎 -bobpainting- ♀ (0 bytes) () 10/24/2024 postreply 20:31:14

• 應該可以的，具體你得谘詢CPA -米奇的廚房- ♂ (0 bytes) () 10/24/2024 postreply 20:34:42

• Solo 401K隻適用於單人公司或者夫妻店 -雲起千百度- ♀ (0 bytes) () 10/24/2024 postreply 23:16:20

• Employee contribution and employer match 總數不能超過69000 -雲起千百度- ♀ (0 bytes) () 10/24/2024 postreply 23:19:19

• 他可以建立401K，不是solo，隻要對每個employee都一樣公平即可 -米奇的廚房- ♂ (0 bytes) () 10/25/2024 postreply 04:06:26