美国个人退休账户（IRA）和罗斯个人退休账户（ROTH IRA）的异同

在美国，为退休而储蓄的两大主要账户是个人退休账户（IRA）和罗斯个人退休账户（ROTH IRA）。本篇将对两者的异同做一个简单的对比。

相同部分

Contribution limits – $5,500 (age 49 and under); $6,500 age 50 and older for 2018
Contribution deadline – Tuesday, April 17, 2018 (for the 2017 tax year)

Note: A Rollover IRA is a Traditional IRA often used for rollovers from an old workplace plan, such as a 401(k).

IRA：个人退休账户
IRA stands for Individual Retirement Account, and it’s basically a savings account with big tax breaks, making it an ideal way to sock away cash for your retirement. A lot of people mistakenly think an IRA itself is an investment – but it’s just the basket in which you keep stocks, bonds, mutual funds and other assets.

ROTH IRA：罗斯个人退休账户
Roth IRA an individual retirement account allowing a person to set aside after-tax income up to a specified amount each year. Both earnings on the account and withdrawals after age 59½ are tax-free. It’s created in 1997 and named for Senator William Victor Roth II (1921–2003) of Delaware, who proposed this in Congress.

不同部分

---

2026黄石国家公园特色行程推荐
出发城市：旧金山、洛杉矶、西雅图、拉斯维加斯、盐湖城、丹佛

---