雇主不提供401k之类的退休计划,养老金怎么存?

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Peace66
楼主 (北美华人网)
看到隔壁说做consulting/contractor的帖子,觉得好奇。如果雇主不提供401k之类的养老金计划,每年IRA只有6000的额度,相比401k每年至少19500少很多。这种情况下,养老金怎么存呢?
m
meimei12
Solo 401k 可以存六万一。
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Peace66
回复 2楼meimei12的帖子
个人可以随便开?
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meimei12
有地方替你开。收管理费。自己搜索。
l
lnghng
回复 2楼meimei12的帖子
个人可以随便开?
Peace66 发表于 2022-03-10 21:05

No, 要拿1099 form 才行
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Peace66
No, 要拿1099 form 才行
lnghng 发表于 2022-03-10 21:13

谢谢!
y
yayapig
谢谢!
Peace66 发表于 2022-03-10 21:16

不需要1099吧. 有EIN 就可以开了. From Fidelity:
A self-employed 401(k)—also called a solo-401(k) or an individual 401(k)—is a special savings option for small-business owners who don't have any employees (apart from a spouse). That makes these accounts a good fit for sole proprietors and independent consultants who are looking for a retirement plan similar to one they might get from working at a larger company.
打零工收cash应该也可以.
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Peace66
不需要1099吧. 有EIN 就可以开了. From Fidelity:
A self-employed 401(k)—also called a solo-401(k) or an individual 401(k)—is a special savings option for small-business owners who don't have any employees (apart from a spouse). That makes these accounts a good fit for sole proprietors and independent consultants who are looking for a retirement plan similar to one they might get from working at a larger company.
打零工收cash应该也可以.
yayapig 发表于 2022-03-10 21:25

谢谢,这个建议好有用
a
amoy
不需要1099吧. 有EIN 就可以开了. From Fidelity:
A self-employed 401(k)—also called a solo-401(k) or an individual 401(k)—is a special savings option for small-business owners who don't have any employees (apart from a spouse). That makes these accounts a good fit for sole proprietors and independent consultants who are looking for a retirement plan similar to one they might get from working at a larger company.
打零工收cash应该也可以.
yayapig 发表于 2022-03-10 21:25

这是错的。你现在如果是W2 employee, 你不能自己开个self employed 401k or solo 401k. 你要自己开个公司或者是1099 sole proprietorship, 没有员工,才可以自己开401k. 好好找专业人士consult. 乱开要被IRS罚的。
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hideandseek
不需要1099吧. 有EIN 就可以开了. From Fidelity:
A self-employed 401(k)—also called a solo-401(k) or an individual 401(k)—is a special savings option for small-business owners who don't have any employees (apart from a spouse). That makes these accounts a good fit for sole proprietors and independent consultants who are looking for a retirement plan similar to one they might get from working at a larger company.
打零工收cash应该也可以.
yayapig 发表于 2022-03-10 21:25

纯属误导,你自己开公司(不管多小)都能算self-employed ,你从老板那里拿w2就是员工。你这种做法就是撒谎加欺诈,irs一旦查到,就是罚款。
云淡风轻小确幸
雇主不match就不存了呗。难道现在挣很多很多钱? 就贷款买房呗,利息也免税
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Peace66
这是错的。你现在如果是W2 employee, 你不能自己开个self employed 401k or solo 401k. 你要自己开个公司或者是1099 sole proprietorship, 没有员工,才可以自己开401k. 好好找专业人士consult. 乱开要被IRS罚的。
amoy 发表于 2022-03-10 22:41

谢谢解释
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Peace66
纯属误导,你自己开公司(不管多小)都能算self-employed ,你从老板那里拿w2就是员工。你这种做法就是撒谎加欺诈,irs一旦查到,就是罚款。
hideandseek 发表于 2022-03-10 22:45

谢谢解释,看来要小心
h
hope20111
纯属误导,你自己开公司(不管多小)都能算self-employed ,你从老板那里拿w2就是员工。你这种做法就是撒谎加欺诈,irs一旦查到,就是罚款。
hideandseek 发表于 2022-03-10 22:45

从老板那里领1099的呢?可以solo 401k吗?
c
complicated
如果让现工作的公司不开w2而是直接支票开给自己的公司,在买401可行吗, 话说traditional Ira 和Ruth Ira可以都买吗,还是只能买一个