individual retirement account

简明释义

个人退休金帐户

英英释义

例句

1.It's important to understand the rules governing your individual retirement account.

了解管理你的个人退休账户的规则是很重要的。

2.You can invest in stocks and bonds through your individual retirement account.

你可以通过你的个人退休账户投资股票和债券。

3.Contributing to an individual retirement account can provide tax benefits.

向个人退休账户缴纳款项可以提供税收优惠。

4.Some employers offer a matching contribution to your individual retirement account.

一些雇主会对你的个人退休账户提供配套贡献。

5.Many people choose to open an individual retirement account to save for their future.

许多人选择开设一个个人退休账户来为他们的未来储蓄。

作文

An individual retirement account is a financial tool that allows individuals to save for retirement in a tax-advantaged way. This type of account has become increasingly popular as people recognize the importance of planning for their financial future. The concept of an individual retirement account was introduced in the United States in 1974 with the Employee Retirement Income Security Act (ERISA). Since then, it has evolved and diversified, offering various options for savers. One of the key benefits of an individual retirement account is the tax advantages it provides. Contributions made to a traditional individual retirement account may be tax-deductible, meaning that they can reduce your taxable income for the year you contribute. Additionally, the money in the account grows tax-deferred until withdrawal, which means you won’t pay taxes on any investment gains until you take the money out during retirement. This can lead to significant savings over time, as your investments have more time to grow without being taxed. On the other hand, there are also Roth individual retirement accounts, which work a bit differently. With a Roth individual retirement account, contributions are made with after-tax dollars, meaning you won't receive a tax deduction when you contribute. However, the major advantage here is that qualified withdrawals during retirement are tax-free. This can be particularly beneficial for younger individuals who expect to be in a higher tax bracket in the future. In addition to the tax benefits, having an individual retirement account encourages disciplined saving. Many people struggle to save for retirement due to immediate financial pressures or lack of knowledge about how much they should save. An individual retirement account provides a structured way to set aside money specifically for retirement, helping individuals prioritize their long-term financial goals. Moreover, there are contribution limits and rules associated with individual retirement accounts that individuals need to be aware of. For instance, as of 2023, individuals under 50 can contribute up to $6,500 annually to a traditional or Roth individual retirement account, while those aged 50 and older can contribute an additional $1,000 as a catch-up contribution. Understanding these limits is crucial for maximizing the benefits of your retirement savings. In conclusion, an individual retirement account is a powerful tool for anyone looking to secure their financial future. By taking advantage of the tax benefits and encouraging a habit of saving, individuals can significantly enhance their retirement readiness. Whether you choose a traditional or Roth individual retirement account, the important thing is to start saving early and consistently. The earlier you begin, the more you can benefit from compound interest, ultimately leading to a more comfortable and financially secure retirement.

个人退休账户（individual retirement account）是一种金融工具，允许个人以税收优惠的方式为退休储蓄。这种类型的账户在美国于1974年通过《员工退休收入保障法案》（ERISA）首次引入，随着人们认识到规划财务未来的重要性，它变得越来越流行。individual retirement account的概念自那时以来不断演变和多样化，为储蓄者提供了各种选择。个人退休账户（individual retirement account）的一个主要好处是它提供的税收优惠。对传统的individual retirement account的贡献可能是税前扣除，这意味着它们可以减少您当年应纳税收入。此外，账户中的资金在提取之前不会征税，这意味着您在退休期间提取资金时才需缴纳税款。这可以随着时间的推移带来显著的节省，因为您的投资有更多的时间在不被征税的情况下增长。另一方面，还有罗斯individual retirement account，其运作方式略有不同。罗斯individual retirement account的贡献是用税后美元进行的，这意味着您在贡献时不会获得税收扣除。然而，主要的优势在于，符合条件的退休提取是免税的。这对那些预计未来会进入更高税级的年轻人尤其有利。除了税收优惠，拥有个人退休账户（individual retirement account）还鼓励有纪律的储蓄。许多人由于即时的财务压力或缺乏对应储蓄金额的知识而难以为退休储蓄。个人退休账户（individual retirement account）提供了一种结构化的方式来专门为退休储蓄，从而帮助个人优先考虑他们的长期财务目标。此外，与个人退休账户（individual retirement account）相关的贡献限额和规则也是个人需要了解的。例如，截至2023年，50岁以下的个人每年可以向传统或罗斯individual retirement account贡献最多6,500美元，而50岁及以上的人可以额外贡献1,000美元作为补充贡献。了解这些限额对于最大化退休储蓄的利益至关重要。总之，个人退休账户（individual retirement account）是任何希望确保财务未来的人的强大工具。通过利用税收优惠并鼓励储蓄习惯，个人可以显著增强他们的退休准备。无论您选择传统的还是罗斯individual retirement account，重要的是要尽早并持续地开始储蓄。您开始得越早，就越能从复利中受益，最终实现更舒适、更有财务保障的退休生活。