The majority of this year's tax-law changes provided a boost to retirement savers. For example, starting in 2004, 401(k) participants can contribute up to $13,000 to their retirement nest eggs - an increase of $1,000 compared with 2003.
本年度最主要的税收法规方面的改革,是提高退休金。举例说,在2004年,401个参与者的养老储蓄达到13,000 美元,与2003年同期相比增加了1000美元。
"With the new laws and regulations in place, people will find that they have more money in their pockets to save, and the government will take a smaller bite out of whatever gains they earn," says Mark Mullin, CEO of Diversified Investment Advisors, an investment-advisory company specializing in retirement plans. "The scenario is perfect for giving their 401(k) accounts a much-needed boost."
多元化投资顾问公司(一家专攻退休计划情况报告的公司)的CEO,Mark Mullin认为:“按照新法律的规章制度,人们发现他们能够省下更多的钱,而政府只是从他们赚的利润中分取很小的一部分。而这对于那些人的401个帐户来说是一个十分必要的推进.
And take advantage of the recent tax cuts to sock more money away. By reducing the four highest income-tax brackets to 25 percent, 28 percent, 33 percent, and 35 percent, retroactive to Jan. 1, 2003, Congress effectively gave taxpayers more money. Although the 10 percent and 15 percent brackets remain unchanged, their income limits were expanded.
利用这次减税,大众可以得到更多的钱。自2003年1月以来,所得税交纳比例最多的25%,28%,33%,35%这部分,已经大幅度的降低.政府给了纳税人更多的钱。尽管交税10%,15%这个范围内的没有变,反而加大了他们的收入限制.
Long-term capital-gains rates also fell from 20 percent to 15 percent, and to 5 percent for low-income investors in certain situations.
长期资本收益率由20%减低至15%,对于低收入者5%是最合适的.
Congress also passed legislation aimed at helping working families. For instance, the dependent-child tax credit for people with children age 17 or younger was raised to $1,000 per child (from $600), subject to income limitations. That's another savings help, and the standard deduction for married couples filing jointly was raised to $9,500.
国会通过了一项旨在帮助工薪阶层的法案,例如,凡是有一个17岁(或者以下年龄)子女的家庭,每个孩子抚养信用资金从以前的600美圆提高到1000美圆,另外一个帮助方案是,对于已经结婚的家庭工资扣税标准升到9500美圆.
"These opportunities are great for investors, but they should recognize that the clock is running," says Mr. Mullin. "Contribution incentives and tax-law changes are not going to last forever. In fact, most of them expire within the next five years. So retirement investors should take advantage of all the benefits now."
Mullin先生说:这对投资者来说将是一个机会,但是他们应该意识到时代在变,激励贡献和税率的改革不是永久性的,事实上很多变化仅仅在接下来的五年内持续,因此退休投资者应该充分利用现在的好政策获利.
(香孜编辑了一下字体:)
[此贴子已经被香孜于2005-4-5 17:22:56编辑过]
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