Under current law, the tax code affords workers over $200 billion each year for various retirement benefits – including saving in 401(k)-type plans or IRAs. While these benefits help workers reach their retirement goals, many are poorly designed to help low- and middle-income savers – about two-thirds of the benefit goes to the wealthiest 20% of families. The Biden Plan will make these savings more equal so that middle class families can enter retirement with enough savings to support a healthy and secure retirement. President Biden will do so by: Equalizing the tax benefits of defined contribution plans. The current tax benefits for retirement savings are based on the concept of deferral, whereby savers get to exclude their retirement contributions from tax, see their savings grow tax free, and then pay taxes when they withdraw money from their account. This system provides upper-income families with a much stronger tax break for saving and a limited benefit for middle-class and other workers with lower earnings. The Biden Plan will equalize benefits across the income scale, so that low- and middle-income workers will also get a tax break when they put money away for retirement. Removing penalties for caregivers who want to save for retirement. Under current law, people who work as caregivers without receiving wages are ineligible to get tax breaks for retirement saving. The Biden Plan will allow caregivers to make “catch-up” contributions to retirement accounts, even if they’re not earning income in the formal labor market, as has been proposed in bipartisan legislation by Representatives Jackie Walorski and Harley Rouda. Giving small businesses a tax break for starting a retirement plan and giving workers the chance to save at work. As proposed by the Obama-Biden Administration, the Biden Plan will call for widespread adoption of workplace savings plans and offer tax credits to small businesses to offset much of the costs. Under Biden’s plan, almost all workers without a pension or 401(k)-type plan will have access to an “automatic 401(k),” which provides the opportunity to easily save for retirement at work – putting millions of middle-class families in the path to a secure retirement. https://joebiden.com/older-americans/ 帮楼主copy过来了 希望高人分析 贴一个ID精简总结的 希望高人分析 Equalizing the tax benefits of defined contribution plans. The Biden Plan will equalize benefits across the income scale, so that low- and middle-income workers will also get a tax break when they put money away for retirement. Removing penalties for caregivers who want to save for retirement. The Biden Plan will allow caregivers to make “catch-up” contributions to retirement accounts, even if they’re not earning income in the formal labor market, as has been proposed in bipartisan legislation by Representatives Jackie Walorski and Harley Rouda. Giving small businesses a tax break for starting a retirement plan and giving workers the chance to save at work. Under Biden’s plan, almost all workers without a pension or 401(k)-type plan will have access to an “automatic 401(k),”
Now, what exactly does Biden have in mind? The campaign has not spelled out any particulars (and has not responded to a request for comment), but I have drawn on the existing discussion on the topic among politicians, pundits, and policy analysts (as partially cited in my prior article) to identify the intended plan as a tax credit, similar to the existing Savers’ Credit but more generous and expansive. Likewise, the existing proposals and discussion is not merely about expanding that credit but reducing or wholly eliminating 401(k) tax breaks to pay for it. Whether the envisioned credit would be capped or means-tested, and whether retirement savings accounts would retain any tax benefit, even that of taxing capital gains at lower rates, is unclear. 谁知道这个Saver's Credit是什么
401K benefit is based on how much you put away in the account, not based on income. The people who don't save for retirement also want the equal benefit? How is that equalization? Equalized income/ benefit is such a Marxist lie, for the lack of a better word, it's call robbery! Quote: “Under current law, the tax code affords workers over $200 billion each year for various retirement benefits – including saving in 401(k)-type plans or IRAs. While these benefits help workers reach their retirement goals, many are poorly designed to help low- and middle-income savers – about two-thirds of the benefit goes to the wealthiest 20% of families. The Biden Plan will make these savings more equal so that middle class families can enter retirement with enough savings to support a healthy and secure retirement. President Biden will do so by： “Equalizing the tax benefits of defined contribution plans. The current tax benefits for retirement savings are based on the concept of deferral, whereby savers get to exclude their retirement contributions from tax, see their savings grow tax free, and then pay taxes when they withdraw money from their account. This system provides upper-income families with a much stronger tax break for saving and a limited benefit for middle-class and other workers with lower earnings. The Biden Plan will equalize benefits across the income scale, so that low- and middle-income workers will also get a tax break when they put money away for retirement.”
you will be surprised how many people don't save for their retirement, and now they want to share your benefit for being mindful about your own future, i see AOC and Sanders names all over this.
just another way to increase tax. If Biden is elected, there is for sure a financial loss for middle class. 1) higher income/capital gain tax 2) high corporate tax rate -> decrease stock prices -> lower asset values 3) high corporate tax rate -> less capital to expand business -> less hirings Plus, more riots and looting. Just pls give me one reason to vote for Biden, as a hard working first generation immigrant. FYI, I always support abortion right, women's right, LGBT right, close gender income gap.
Equalizing the tax benefits of defined contribution plans. The Biden Plan will equalize benefits across the income scale, so that low- and middle-income workers will also get a tax break when they put money away for retirement. Removing penalties for caregivers who want to save for retirement. The Biden Plan will allow caregivers to make “catch-up” contributions to retirement accounts, even if they’re not earning income in the formal labor market, as has been proposed in bipartisan legislation by Representatives Jackie Walorski and Harley Rouda. Giving small businesses a tax break for starting a retirement plan and giving workers the chance to save at work. Under Biden’s plan, almost all workers without a pension or 401(k)-type plan will have access to an “automatic 401(k),” 精简了一下，具体哪些人受益哪些人吃亏，还要看具体条款，现在的信息很模糊。
过了一定的收入以后，除了401K deferred tax 其他基本都phased out了， i'd like to hear about this during the debate, but i will bet ya that we won't. bellamia 发表于 2020-08-27 11:05
过了一定的收入以后，除了401K deferred tax 其他基本都phased out了， i'd like to hear about this during the debate, but i will bet ya that we won't. bellamia 发表于 2020-08-27 11:05
back door 你要先放 after tax 401K，这个也是限制很多的，我们公司只能放收入的1%，然后还有上限$3000。很多公司不提供after tax 401K，而且转出来的时候有的公司跟pretax 401K是一个帐户，comingled税收也很麻烦。 purplebasil 发表于 2020-08-27 11:26
Now, what exactly does Biden have in mind? The campaign has not spelled out any particulars (and has not responded to a request for comment), but I have drawn on the existing discussion on the topic among politicians, pundits, and policy analysts (as partially cited in my prior article) to identify the intended plan as a tax credit, similar to the existing Savers’ Credit but more generous and expansive. Likewise, the existing proposals and discussion is not merely about expanding that credit but reducing or wholly eliminating 401(k) tax breaks to pay for it. Whether the envisioned credit would be capped or means-tested, and whether retirement savings accounts would retain any tax benefit, even that of taxing capital gains at lower rates, is unclear. 谁知道这个Saver's Credit是什么 梅干茶泡饭 发表于 2020-08-27 10:23
https://www.forbes.com/sites/ebauer/2020/08/25/joe-biden-promises-to-take-away-401k-style-retirement-savings-whats-that-mean/#21f029c64eb0
🔥 最新回帖
只要you or spouse有earned income就可以存
你这一说，我恍然大悟啊！先通过盘剥把中产弄成穷人，然后在给你这个新晋穷人发点免费东西，于是穷人感恩戴德，变成他们的票仓。
总有办法收拾中产贴补票仓，越多中产榨成穷人，猪党票仓越稳固。
个人有个人的判断，比如我和我身边的朋友们就认为，按照现任已有的“成绩”，后面四年就是放上去一堆💩都不可能做的更烂。
🛋️ 沙发板凳
Equalizing the tax benefits of defined contribution plans. The current tax benefits for retirement savings are based on the concept of deferral, whereby savers get to exclude their retirement contributions from tax, see their savings grow tax free, and then pay taxes when they withdraw money from their account. This system provides upper-income families with a much stronger tax break for saving and a limited benefit for middle-class and other workers with lower earnings. The Biden Plan will equalize benefits across the income scale, so that low- and middle-income workers will also get a tax break when they put money away for retirement.
Removing penalties for caregivers who want to save for retirement. Under current law, people who work as caregivers without receiving wages are ineligible to get tax breaks for retirement saving. The Biden Plan will allow caregivers to make “catch-up” contributions to retirement accounts, even if they’re not earning income in the formal labor market, as has been proposed in bipartisan legislation by Representatives Jackie Walorski and Harley Rouda.
Giving small businesses a tax break for starting a retirement plan and giving workers the chance to save at work. As proposed by the Obama-Biden Administration, the Biden Plan will call for widespread adoption of workplace savings plans and offer tax credits to small businesses to offset much of the costs. Under Biden’s plan, almost all workers without a pension or 401(k)-type plan will have access to an “automatic 401(k),” which provides the opportunity to easily save for retirement at work – putting millions of middle-class families in the path to a secure retirement. https://joebiden.com/older-americans/ 帮楼主copy过来了 希望高人分析
贴一个ID精简总结的 希望高人分析 Equalizing the tax benefits of defined contribution plans. The Biden Plan will equalize benefits across the income scale, so that low- and middle-income workers will also get a tax break when they put money away for retirement.
Removing penalties for caregivers who want to save for retirement. The Biden Plan will allow caregivers to make “catch-up” contributions to retirement accounts, even if they’re not earning income in the formal labor market, as has been proposed in bipartisan legislation by Representatives Jackie Walorski and Harley Rouda.
Giving small businesses a tax break for starting a retirement plan and giving workers the chance to save at work. Under Biden’s plan, almost all workers without a pension or 401(k)-type plan will have access to an “automatic 401(k),”
明显坑中产。 巨富不在乎401K，吃福利的没有401K，只有老实上班干活的中产存点401K养老，这也被biden惦记上了。
他要是当选就不是打酱油提议了
他那个标题说取消401k很误导吧 听上去是close your account 点进去说的是tax break不是close account
谁知道这个Saver's Credit是什么
原标题严重误导用户，被删除处理。
哪儿能吃大户，大户是他们的金主，只有盯着中产的苍蝇肉，分给想不劳而获的拉选票
是的，谢谢。
任何误导性标题，删贴处理只是第一步，如果被发现是屡次在重大新闻上有意误导，将被永久销号处理。
Quote: “Under current law, the tax code affords workers over $200 billion each year for various retirement benefits – including saving in 401(k)-type plans or IRAs. While these benefits help workers reach their retirement goals, many are poorly designed to help low- and middle-income savers – about two-thirds of the benefit goes to the wealthiest 20% of families. The Biden Plan will make these savings more equal so that middle class families can enter retirement with enough savings to support a healthy and secure retirement. President Biden will do so by：
“Equalizing the tax benefits of defined contribution plans. The current tax benefits for retirement savings are based on the concept of deferral, whereby savers get to exclude their retirement contributions from tax, see their savings grow tax free, and then pay taxes when they withdraw money from their account. This system provides upper-income families with a much stronger tax break for saving and a limited benefit for middle-class and other workers with lower earnings. The Biden Plan will equalize benefits across the income scale, so that low- and middle-income workers will also get a tax break when they put money away for retirement.”
不惦记中产还能惦记谁，富人全部有税务后门，否则富人这么积极喊要多交税，就跟让子弹飞里说的一样，最后全是平头百姓出了，富人还能分一杯。
真正的大户也惹不起，估计都是金主，只能收中产的钱，照顾底层的利益，上层好吹嘘自己有道德
谢谢解释！
一回事，401K是公司，403B是非盈利机构，都是退休账户
看了一圈报道似乎各方都觉得本身这个政策写的就非常confusing所以不知道到底怎么搞 不知道辩论的时候这个话题会不会被bring onto the table
多年前民主党讨论一个方案，就是全部收缴然后发放稳定收入，这样你们就不用担心股市崩盘，那个方案提出者是学校名都没人知道的一个文科教授，还不是商科或经济专业的
you will be surprised how many people don't save for their retirement, and now they want to share your benefit for being mindful about your own future, i see AOC and Sanders names all over this.
假设从前存的401K保持原有的税率也就是grandfathering，以后存的401K取出时增加税率的话我肯定是立马停止contribute了。
还有公司有match的，这个match停了，很多人损失很大一笔钱。少了说，工作30年，大概是快20-30万的match
没错，很多公司一年match很多的
中产阶级大多数也是中间选民，拜登也真是老年痴呆。
坑中产是收税核心，中产以下是票仓，中产以上是金主，对两党都一样，不过共和党还能想到不能杀鸡取卵
我昨天特地说了，是取消 tax benefit，版主一样挪到没有人看的时政版了
共产主义只能在大学里生存，走出校门一定会被现实打得找不到北
学文的搞政治最大的问题的是逻辑不行又不脚踏实地，老在云端梦想乌托邦，所以很容易socialism的倾向，但是学文的一般会演讲会煽情。美国这种重文轻理
昨天那个是你的马甲？
不是取消tax benefit， 是给低收入的人存401k增加tax benefit
如果employees都不存401k了，估计公司原来的match也会相应转为其他的benefit吧？
1) higher income/capital gain tax 2) high corporate tax rate -> decrease stock prices -> lower asset values 3) high corporate tax rate -> less capital to expand business -> less hirings
Plus, more riots and looting.
Just pls give me one reason to vote for Biden, as a hard working first generation immigrant.
FYI, I always support abortion right, women's right, LGBT right, close gender income gap.
我没有马甲
看完在讨论，可以吗？ https://www.forbes.com/sites/ebauer/2020/08/25/joe-biden-promises-to-take-away-401k-style-retirement-savings-whats-that-mean/#49d2435b4eb0
不会，大部分公司也没有其他福利项目。一般就是退休账户然后医保之类。公司其实也乐得，停了最好，减少人头费支出。
他那三条读来读去说的是给小企业也提供一个401?听上去像是类似奥巴马care一样大公司用自己的 小企业enroll平台的 不过26号那个作者又写了个follow up 没读懂
我一个人的401K就超过1米了，我LG的还更多，你说这是不是大事？前面有人说了，觉得这个税改不算啥的，要么是没几个钱在401K里面的小年轻，要么是巨富。靠工资的人，401K大概是最有效的避税手段了。存ROTH的前提是收入够低。
Removing penalties for caregivers who want to save for retirement. The Biden Plan will allow caregivers to make “catch-up” contributions to retirement accounts, even if they’re not earning income in the formal labor market, as has been proposed in bipartisan legislation by Representatives Jackie Walorski and Harley Rouda.
Giving small businesses a tax break for starting a retirement plan and giving workers the chance to save at work. Under Biden’s plan, almost all workers without a pension or 401(k)-type plan will have access to an “automatic 401(k),”
精简了一下，具体哪些人受益哪些人吃亏，还要看具体条款，现在的信息很模糊。
ROTH门槛很低啊，很多人都不qualify
但是我相信绝大多数人都是赌几十年退休后税率会比现在低吧？如果现在政策一变，税率对等或更高马上成为现实的话大家肯定不会续投啊。
过了一定的收入以后，除了401K deferred tax 其他基本都phased out了， i'd like to hear about this during the debate, but i will bet ya that we won't.
中产阶层避税手段是很有限的
我的同事们基本上都是白人老头，他们都是两个都存……因为他们跟我说，他们是从退休金时代过来的，看着大公司倒闭退休金消失401kroth渐渐流行，他们说没有什么是保险的，劝我说401k可以存但roth也要存，各种方案都要有，因为等我退休又是三十年后，那时候说不定401k都消失了…………我就……有点吐血
管理员是民主党粉丝？
401K，$19500，roth $6000,
缺钱了，roth可以拿钱出来应急，但放不回去。
税率的差别应该不是特别大，尤其compare交易增长省的稅和放入/拿出单边省的稅。
老中，能省钱，一般全放满。
ROTH 有income cap啊，小妹妹！我想存也存不上啊！而且才6000一年，顶用吗？
+1. 主党的一系列操作，简直就是帮老川助选。
真的是什么避税手段都没有，SALT上限才1万，child credit 一分钱都拿不到，ROTH存不了。
back door 谁都可以存 讨论很多遍了…………
我感觉她同事说的可能是roth 401k？
去年开始连mortgage + property tax也deduct不了什么了，这以后都不用itemize了
back door 你要先放 after tax 401K，这个也是限制很多的，我们公司只能放收入的1%，然后还有上限$3000。很多公司不提供after tax 401K，而且转出来的时候有的公司跟pretax 401K是一个帐户，comingled税收也很麻烦。
板上但凡过了自杀线的都没有资格存ROTH，难道真的是要逼死大家吗？😂
roth 401K 是有 income cap 的
税后钱💰进traditional ira —> roth ira
连401K的tax benefits 都要取消，你以为拜登还会给你继续留着backdoor？too simple, sometimes naive. 😂
减税啊，怎么不重要了？很多公司的401K可以开brokerage account，想买啥买啥
这个我年年在做，6000上限 ，加上转3000 from after tax 401K，没了，跟pretax 401K完全不能比。而且，对于我来说，现在能省税也很重要。
Traditional ira上限$6000，嗯，勉强够塞牙缝
如果401k没有了，那traditional ira还会有吗？
没有的话，也就没什么back door了
一是为了省税，二是拿公司的match，三401k 你也可以自己操作投资股票。
你天天泡在这儿，居然不知道saver’s credit？
401K 里开个brokerage account可以随便炒股，还没有税。是不是感觉亏了一千万了？😂
没错，公司match就相当于百分之多少的return了？傻瓜才不要呢
我的401k的brokerage account里貌似只有mutual fund, 没有individual stock，正常吗？
说起来惭愧 我的tax return和401都是让猪头管。。。。我比他在这方面差太多。。。惭愧惭愧。。。。
像fidelity有brokeragelink
这个是老川干的 为了1）黑蓝州得人 2）多一点tax break给0.01% and big corps
这个要看你们公司的401K plan，不同公司可以有不同的setup，有的公司不能开brokerage，有的有限制brokerage，有的有无限制brokerage
哪不就是这样?什么温和派民主党， 巨富不敢碰, 天天揪这拿w2的， 所以我宁愿支持sanders, 沃伦， 这两看来还真的是要拿巨富开刀, 沃伦的什么学费计划好像中产也有好处, 结果被民主党搞掉了. 共和党税务巨富吃肉, 我们好歹喝汤, 反正我家在现在税法下比以前的税率低
你不是在欧洲吗？欧洲也是401？
我在美国工作过啊兄弟！
不过后来账户我就不动了
回头一看这策略好像还不错。。。。
正常。。。。
哈哈 因为dem也是富人在幕后控制的
才不会让sanders warren上ballot。。。
也是扯，看看Sanders的 top donators吧
删的好！ 最讨厌那些无中生有的来扰乱视听。 能说是哪个用户吗？ 我顺便屏蔽了它。
那不, 关键这些富豪还假模假样的写什么信, 向我开炮, 向我加税, 恶心死了,一群伪君子