t**8
发帖数: 4527 | 1 民主党 强制 6 人 以上的公司 提供 401k 计划
有利股市
吗吗吗吗吗吗吗????????????? |
s**********o
发帖数: 14359 | 2 大脸猫说，民主党要取消401K，疮粉们就是成天造谣，
说取消的是他们，说逼人401K的也是他们，横竖都是他们有理
【在 t**8 的大作中提到】
: 民主党 强制 6 人 以上的公司 提供 401k 计划
: 有利股市
: 吗吗吗吗吗吗吗?????????????
|
g******6
发帖数: 942 | 3 你们真有功夫和那些川粉纠缠啊。
直接忽略就行了。 |
n*********7
发帖数: 4682 | 4 6人公司搞个p 401k, 这些公司显然不是发高工资的，本来税率就很低 |
i*****9
发帖数: 3157 | 5 就是只让税率低的买401K， 收入高的不准买呀。
【在 n*********7 的大作中提到】
: 6人公司搞个p 401k, 这些公司显然不是发高工资的，本来税率就很低
|
t**8
发帖数: 4527 | 6 https://news.bloomberglaw.com/daily-labor-report/retirement-savings-and-
democrats-latest-tax-plans-explained
The latest budget proposal by House Democrats includes a provision requiring
some employers to automatically enroll workers in a retirement savings plan.
Photo Illustration: Jonathan Hurtarte/Bloomberg Law; Photos: Getty Images
Retirement Savings and Democrats’ Latest Tax Plans: Explained
Sept. 14, 2021, 2:31 AM
Listen
The $3.5 trillion budget plan Democrats are advancing on Capitol Hill
includes the first-ever federal mandatory framework for workplace retirement
plans, a policy that could result in the single biggest influx of new plans
and first-time savers in U.S. history.
The House Ways and Means Committee approved the retirement mandate, 22-20,
late Sept. 9, sending it to the House Budget Committee where it will be
considered for a final budget package Democrats may send to the House floor.
The tax proposal expected to accompany that spending package would cap
wealthy savers’ tax-favored contributions. It’s expected to go before Ways
and Means Committee as early as this week.
1. Would the plan make retirement saving mandatory?
Not exactly; it would require employers with more than five workers to
automatically sign new hires up for retirement benefits, the contributions
to which would automatically increase over time. It’s mandatory for
employers, but not their employees, who can choose to opt out of the savings
plan or change their contributions. But the default choice would always be
to save, essentially making retirement funds a statutory benefit like
unemployment or workers’ compensation insurance.
Failure to provide a low-cost retirement option such as a 401(k) or
individual retirement account would cost a business an excise tax liability
of $10 for every worker per day of noncompliance, which would add up fast.
2. Why is this in the budget proposal?
Americans aren’t saving enough for retirement. The Government
Accountability Office reports that nearly half of people 55 and older have
nothing saved for when they stop working, meaning a wave of future retirees
threatens to overburden an already fragile Social Security Administration
and upset a balanced economy that relies on older Americans spending money
in the housing and health-care sectors.
Auto-enrollment and auto-escalation programs already in effect in some
states and at some private companies have proved successful at closing that
gap, particularly for workers of color in retail and service sectors of the
economy that in the past have rarely offered retirement benefits to low-
income staff. Democrats believe addressing the retirement gap now will save
social welfare programs in the future and inject lifetime wealth into
communities that lack it.
3. What kind of retirement plans would be required?
Starting in 2023, businesses would automatically deduct 6% of new workers’
income into a low-cost retirement plan and automatically escalated that
contribution to 10% over time, unless workers themselves opted for something
different.
The Democrats’ proposal borrows from mandatory state auto-IRA programs such
as those in California, Illinois, and Oregon. Employers could choose as a
default option a tax-advantaged Roth IRA invested in a target-date fund.
Roth IRAs tax income upfront, so the money workers contribute would always
be available to them. State programs have opted for the more liquid Roth IRA
format, too, because recent evidence shows that low-income workers don’t
have enough money set aside for emergency costs, either.
The proposal also carves out another easy, low-cost option for employers,
too: They wouldn’t have to contribute a match, and they could take
advantage of an expanded tax credit to cover the costs of starting up a new
plan. To make up for employer buy-in, the proposal includes a little-known
refundable tax credit called the Savers Credit, so up to $500 a year would
be added to a worker’s IRA directly from the U.S. Treasury.
4. How much would all of this cost?
The retirement portion of the Democrats’ Build Back Better Plan is
projected to cost about $47 billion over 10 years, split almost evenly
between Savers Credit and auto-IRA provisions. To pay for it, Democrats
began circulating an accompanying tax proposal Monday that would take aim at
the way they say some wealthy Americans have used existing retirement
savings vehicles as tax shelters.
Workers with qualified retirement accounts exceeding $10 million couldn’t
contribute extra and would have to comply with stricter required minimum
distributions, according to the tax outline. The proposal also would
prohibit Roth conversions for those making more than $400,000 annually,
preventing the wealthy from taking advantage of post-tax savings accounts.
If the bill passes in both the House and Senate, most of the tax changes
would take effect as early as next year. |
t**8
发帖数: 4527 | 7 earned 才高税率
别的收入都是低税率
对不对？ |
i*****9
发帖数: 3157 | 8 要是没成本，你让花街怎么赚钱。
这个法案的核心就两条，强迫中下产用401K，强迫中上产不用401K改用wealth
management和cooperative trust。 |
d********f
发帖数: 43471 | 9 我x，你这水平还炒股，真是给花姐上供。
https://www.forbes.com/sites/ebauer/2020/08/25/joe-biden-promises-to-take-
away-401k-style-retirement-savings-whats-that-mean/?sh=5dcb23914eb0
自己看，消灭一个东西的最好办法当然是吧他的好处都弄掉，变成一滩狗屎，送你吃你
也吃不下，不是么。不提供401k的公司平均年薪有30k么？给你提供你能存多少？
【在 s**********o 的大作中提到】
: 大脸猫说，民主党要取消401K，疮粉们就是成天造谣，
: 说取消的是他们，说逼人401K的也是他们，横竖都是他们有理
|
s**********o
发帖数: 14359 | 10 我开个公司，所有的REVENUE都进401K可以么 |
i*****9
发帖数: 3157 | |
d********f
发帖数: 43471 | 12 就是把401k变成一滩翔。这种什么6个人反肉饼的公司，一人年薪加起来25k，提供401k
的fee都比存的钱多。这tmd就是一个笑话
【在 i*****9 的大作中提到】
: 要是没成本，你让花街怎么赚钱。
: 这个法案的核心就两条，强迫中下产用401K，强迫中上产不用401K改用wealth
: management和cooperative trust。
|
d********f
发帖数: 43471 | 13 你又在做梦了。solo 401k了解一下，而且我告诉你小公司的payroll tax和retirement
benefit是国税局执法的重中之重，国税局的enformencement officer 80%就在干你们
省会计钱的小公司
【在 s**********o 的大作中提到】
: 我开个公司，所有的REVENUE都进401K可以么
|
i*****9
发帖数: 3157 | 14 是的，所有grantor trust的漏洞堵上，你花个几千块找律师做个trust就可以绕过遗产
税的好日子没了。
你要绕开遗产税就必须找wealth management部门开trust了。对于10M左右的，费率差
不多是0.9%每年，40年下来依然比交遗产税划算。要是50M级别的，费率就只有0.6%了。 |
n*********7
发帖数: 4682 | 15 当然不可以，你不给雇员（哪怕就你一个）发工资？不发reasonable 工资irs 罚死你
还有401k是有上限的，好像一个人58K左右
【在 s**********o 的大作中提到】
: 我开个公司，所有的REVENUE都进401K可以么
|
d********f
发帖数: 43471 | 16 他连们都没入呢，一个人的公司一般就做个sep ira就好了，现在available的几个
option都不怎么样。要是有几个人的公司就很麻烦。所以很多人只雇1099就是这个道理，
不然你就要找那种专门做oursourcing hr/benefit的人头管理公司
【在 n*********7 的大作中提到】
: 当然不可以，你不给雇员（哪怕就你一个）发工资？不发reasonable 工资irs 罚死你
: 还有401k是有上限的，好像一个人58K左右
|
i*****9
发帖数: 3157 | 17 那几个都是收现金房租的，基本属于这次税改的案板上的肉。
提到: 】
理，
死你
【在 d********f 的大作中提到】
: 他连们都没入呢，一个人的公司一般就做个sep ira就好了，现在available的几个
: option都不怎么样。要是有几个人的公司就很麻烦。所以很多人只雇1099就是这个道理，
: 不然你就要找那种专门做oursourcing hr/benefit的人头管理公司
|
d********f
发帖数: 43471 | |
d********f
发帖数: 43471 | 19 奥，这次就惨了。600快一通过。后面两年就忙着喝茶了，其他事是没空干了
【在 i*****9 的大作中提到】
: 那几个都是收现金房租的，基本属于这次税改的案板上的肉。
:
: 提到: 】
: 理，
: 死你
|
i*****9
发帖数: 3157 | 20 法律上没保护，你要法律上有保护需要另外找个好律师帮你看trust合同。irrevocable
trust, 建完了钱就归trustee了。你的后代能拿到多少全看合同怎么规定的。
遗产
率差 |
s********i
发帖数: 17328 | 21 哎，你们都没抓住重点，关键是SS没钱了，IRA是自己存，你存不存没人管，401k是公
司行为，强制公司提供，相当于强制个人储蓄，减轻SS的负担。 |
i*****9
发帖数: 3157 | |
d********f
发帖数: 43471 | 23 你也想茬了，25k年薪强制你存，你能存多少？25快吗？打这个幌子就是要让你统统tmd
别想着自己投资了，花街以后直接接管你的bank acct,以后payroll直接把钱打给soros
管理就可以了
【在 s********i 的大作中提到】
: 哎，你们都没抓住重点，关键是SS没钱了，IRA是自己存，你存不存没人管，401k是公
: 司行为，强制公司提供，相当于强制个人储蓄，减轻SS的负担。
|
s********i
发帖数: 17328 | 24 LOL，不是没钱存么？怎么给索罗斯打钱？
提到: 】
tmd
soros
【在 d********f 的大作中提到】
: 你也想茬了，25k年薪强制你存，你能存多少？25快吗？打这个幌子就是要让你统统tmd
: 别想着自己投资了，花街以后直接接管你的bank acct,以后payroll直接把钱打给soros
: 管理就可以了
|
b********e
发帖数: 595 | 25 强制公司提供，不强制员工存。roth backdoor限制收入40万以上的用，变相加税，重
点在这里。
小公司低收入有match都不见得存，更别说没match。
中产能用401避税的早就用了，除非抠门公司不提供的，的确会增加一些人存401k，对
穷人不见得有效果，除非强制 |
m******c
发帖数: 1202 | 26 都没看到点子上，说明股市还要涨， 401K的基金不就是买股票嘛。 |
d********f
发帖数: 43471 | 27 我x，你这中文都不如soros，你看懂我写的啥意思么
【在 s********i 的大作中提到】
: LOL，不是没钱存么？怎么给索罗斯打钱？
:
: 提到: 】
: tmd
: soros
|
