让建行帮你为退休储蓄
在建行, we don’t want you to have to worry about putting off your retirement because you don’t have enough money saved up. Start saving today and earn competitive interest with an Individual Retirement Account (IRA) from CCB.
Benefits of a Traditional or 罗斯IRA From CCB
- Has potential to earn better interest than traditional savings
- 没有设置费用
- 无需每月或每年的维护费用
- 适用年度供款限额
- Additional $1,000 “catch-up” contribution allowed for ages 50+
- 没有最低存款要求
传统的爱尔兰共和军
用税前资金进行投资
- 今天提供了潜在的税收减免
- 没有收入限制开放
- 没有最低供款要求
- Contributions are tax deductible on state and federal income tax*
- Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
- Withdrawals can begin at age 59½ without penalty
- Early withdrawals may be subject to an IRS penalty**
- 强制提款从73岁开始
- Age limits apply to contributions – must have qualified income
罗斯IRA
用税后资金进行投资
- Potential for the most tax benefit at time of retirement
- Income limits to be eligible to open 罗斯IRA***
- 捐款不能抵税
- Earnings are 100% tax free at time of withdrawal if the distribution is qualified*
- Principal contributions can be withdrawn without penalty*
- 没有强制分配年龄
- No age limit on making contributions as long as you have earned income
- Withdrawals may be subject to taxes and penalty, 取决于你的年龄, the five year period and other conditions
- No age limit on making contributions as long as you have qualified income
*受一些最低条件的限制. 咨询税务顾问.
**Certain exceptions apply, such as healthcare, purchasing first home, etc. 咨询税务顾问.
咨询税务顾问.
Coverdell ESA
A great way to save for a child’s future educational expenses
- Distributions are tax-free when applied to qualified education costs
- Can be opened by anyone — not just family members of a child
- Can be opened for any child younger than age 18
- Special needs children may be eligible after they reach 18
- 有竞争力的利率
- 无年费
- 递延税收益增长
- 没有最低存款要求
Coverdell ESA帐户要求
- Contributions limited to $2,000 annually
- 捐款是不能免税的
- Contributions must stop when beneficiary reaches age 18
- Beneficiary must withdraw remaining assets within 30 days after reaching age 30, or roll assets over tax-free to a new Education ESA for the benefit of another eligible family member
- Distributions not used for qualified educational expenses are taxable, and subject to a 10% penalty
- Taxpayers filing jointly with AGI (Adjusted Gross Income) below $190,000 are eligible to contribute (eligibility phases out as AGI increases from $190,000 to $220,000)
- 总收入低于95美元的单一申报者,000 are eligible to contribute (eligibility phases out as AGI increases from $95,000 to $110,000)