【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？
01/18/2022 美國泛宇集團
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。
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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%。
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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。
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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%。
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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%。
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