點評
微信
微博【理財】| 在美国想拿公司免费给的退休金？弄懂DB 退休计划了吗？
什么是DB 退休计划？
Defined Benefit plan是雇主提供，根据退休金的百分比来计算，每年放进去的钱是固定的。精算师会根据年龄、收入和年回报率计算得出你每年可以contribute的钱数，这并没有一个固定的上限。举例来说：如果你65岁退休，你今年50岁，还有15年可以钱生钱，如果你已经55岁了，只有10年，要达到同样的退休福利，你就要放更多钱进去。所以说你收入越多，年纪越大，离退休越近，放的钱就越多，越合适。
DB 退休计划适合什么样的人？
像专业的工作室或者含老板在内员工数不超过10人，且公司收益好
如果您是老板，年纪也比较大了，最关键您的年薪还高，那就非常适合 DB 退休计划
设立DB 退休计划有什么好处?
省税：公司投入的钱不需要付税
资产保护：退休金有保障，谁也拿不走
其实我们常在讲说，做这些计划除了可以让我们退休后得到照顾之外，节税也是很重要的。
术业有专攻，高资产的地主公地主婆也可以找泛宇集团做个退休计划，一个好的退休计划，可以尽早安排退休之后的生活，就能更早享受，可以扫描下方二维码与美国泛宇集团的专业人员取得联系。
✦✦
在就业报告不如预期下，美股三大指数下跌，标普500下跌0.4%，道琼工业指数下跌不到0.1%，纳斯达克综合指数下跌1%。
✦✦
今日公布的就业报告显示上个月美国新增就业机会199,000，低于分析师预期422,000，但失业率降低至3.9%。受疫情的影响，政府从雇主得到的资讯变少，同时也增加分析师预期的困难。
✦✦
本周市场主要依然受到联准会可能加速升息的影响，科技股的下跌尤其明显，Google的母公司Alphabet本周下跌5.4%，Netflix下跌10%，明星基金经理人Cathie Wood管理的ARKK ETF下跌近11%。
✦✦
部分投资人开始转向投资能源、金融一类的景气循环股，此两类别本周表现超越大盘，标普500能源股族群上涨11%，而标普500金融股族群上涨5.4%。
IMPORTANT: Advertised rates were valid and effective as of the date reflected above, are for informational purposes only, and are subject to change without notice.
Loans are subject to credit and collateral approval. Advertised rates are based on a set of loan assumptions including a borrower with excellent credit history and optimal loan characteristics. Your final interest rate and annual percentage rate (APR) may differ depending on your individual transaction's specific characteristics, and certain products may not be available for your situation. Several determining factors include, but are not limited to, the state of the property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value, and credit score.
APR reflects the cost of credit over the term of the loan expressed as an annual rate. For mortgage loans, APR may include the interest rate, discount points (also referred to as "points"), and other charges or fees (such as mortgage insurance and origination fees), but does not necessarily take into account other loan-specific finance charges you may be required to pay.
Investment securities products and services are offered through Globalink Securities, Inc. (GSI) and TransGlobal Advisory, LLC. (TGA). GSI is member of FINRA & SIPC, which is a separate registered broker-dealers and non-bank affiliates of TransGlobal Holding Company. Portfolio management and advisory services are provided by TGA, a registered investment advisor and subsidiary of TransGlobal Holding Company.
Investment and brokerage products are:
Not FDIC Insured • No Bank Guarantee • May Lose Value
版权归原作者所有。如有侵权请联系我们，我们将及时处理。
分享本頁
打開微信，使用 “掃描QR Code” 即可將網頁分享到我的朋友圈。
