提供这些计划的另一个雇主好处是，任何 SEP-IRA 雇主缴款均可免税，最高可达 IRS 规定的 SEP 限额。如果企业向员工账户添加的缴款额超过指定的缴款限额（也称为超额缴款），则这些金额必须从受影响员工的 SEP IRA 中分配并退还给雇主。它们不能从雇主的联邦税中扣除。如果不及时纠正，还可能受到超额缴款处罚。雇主...
Traditional vs. Roth vs. SEP IRA: An Overview Traditional IRAs, Roth IRAs, and SEP IRAs are three types of individual retirement accounts. In some ways, they're similar. Yet, there are some key differences in how they work, which can make one type better than another, depending on your ...
SEP IRA,英文全名为Simplified Employee Pension Individual Retirement Arrangement,即简化的员工养老金个人退休计划,具有许多类似于传统 IRA 的功能,但附带一些额外的福利,特别适合那些没有雇主支持的人。 SEP IRA 是一项递延税款的退休计划,适用于自雇人士、拥有企业、雇用他人或赚取自由职业收入的任何人。 SEP IRA 供...
The same applies if you are self-employed and enrolled in a Keogh, SEP-IRA or SIMPLE plan. Financial health Among the plans most commonly used by small firms, the 401(k) is rated the most expensive and complicated to administer, while SEP-IRA and SIMPLE IRA are rated "low" in administr...
5、SEP IRAs and SIMPLE IRAs 需要注意一下的是SIMPLE IRA,必须满两年之后才能Convert 喔,要不然也会有罚款的。但也有一些IRA是不能convert的,比如 Inherited IRA和Educational IRA。 Convert时要注意的一些事项,很重要喔。 比如说,你的IRA里面有Before Tax的,也有After Tax的,你Convert的时候怎么交税呢?经常有人...
Other variations of the IRA include the Roth IRA, SIMPLE IRA, and SEP IRA. The latter two are offered by businesses—SIMPLE IRAs, in particular, are popular among small businesses—while individuals can set up a Roth IRA if they meet the income limitations. These individual accounts can be ...
SEP IRAs and SIMPLE IRAs can be set up for a self-employed person or small business. Solo 401(k)s, also known as self-employed 401(k)s are only for people who work for themselves and who have no employees. SEP IRA SEP IRAs do not share many qualities with theIRAsthat most people ...
Why should I consider opening a SEP IRA instead of a Traditional IRA? With a SEP IRA, your business and employees (including you) can benefit. Contributions you make to the individual accounts under your plan are generally tax deductible by your business.2You also have the opportunity to cont...
There's also the SEP IRA and SIMPLE IRA for business owners and self-employed individuals (more on this below). While you can have and contribute to more than one type of IRA, the accounts share a combined annual limit set by the IRS every year. Lastly, because IRAs are intended to ...