{"id":15610,"date":"2025-08-13T22:22:45","date_gmt":"2025-08-13T22:22:45","guid":{"rendered":"https:\/\/medbox.com\/?p=15610"},"modified":"2025-08-13T22:42:05","modified_gmt":"2025-08-13T22:42:05","slug":"regular-ira-vs-roth-ira-which-should-you-choose","status":"publish","type":"post","link":"https:\/\/medbox.com\/zh\/regular-ira-vs-roth-ira-which-should-you-choose\/","title":{"rendered":"\u666e\u901a IRA \u4e0e Roth IRA\uff1a\u60a8\u5e94\u8be5\u9009\u62e9\u54ea\u4e00\u4e2a\uff1f"},"content":{"rendered":"<p>\u4ec0\u4e48\u65f6\u5019 <a href=\"https:\/\/medbox.com\/zh\/tips-for-building-retirement-savings\/\">\u4e3a\u9000\u4f11\u50a8\u84c4<\/a>\uff0c\u9996\u5148\u8981\u8003\u8651\u7684\u662f\u6295\u8d44\u4f20\u7edf IRA \u8fd8\u662f\u7f57\u65af IRA\u3002\u867d\u7136\u4e24\u8005\u90fd\u63d0\u4f9b\u6709\u4ef7\u503c\u7684\u7a0e\u6536\u4f18\u60e0\uff0c\u4f46\u4f18\u60e0\u7684\u5b9e\u73b0\u65b9\u5f0f\u548c\u65f6\u95f4\u6709\u6240\u4e0d\u540c\u3002<\/p>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">\u533b\u836f\u7bb1\u66f4\u5b89\u5168\u7684\u670d\u836f\u65b9\u5f0f<\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/zh\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"\u4e86\u89e3\u66f4\u591a\" >\n\n          <span class=\"wrapp-title-link\">\u4e86\u89e3\u66f4\u591a<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<p>\u4f20\u7edf\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (IRA) \u63d0\u4f9b\u7a0e\u524d\u798f\u5229\uff0c\u5373\u60a8\u5411\u8d26\u6237\u7f34\u6b3e\u65f6\u53ef\u4eab\u53d7\u8f83\u4f4e\u7684\u7a0e\u8d1f\u3002\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Roth IRA) \u5141\u8bb8\u9000\u4f11\u671f\u95f4\u514d\u7a0e\u63d0\u6b3e\uff0c\u76f8\u5f53\u4e8e\u514d\u7a0e\u8d44\u672c\u6536\u76ca\u3002\u8bbe\u7acb\u65b0\u7684 IRA \u65f6\uff0c\u6700\u91cd\u8981\u7684\u8003\u8651\u56e0\u7d20\u662f\u60a8\u9884\u671f\u7684\u5f53\u524d\u548c\u672a\u6765\u7a0e\u7387\u3002\u7ee7\u7eed\u9605\u8bfb\uff0c\u4e86\u89e3\u4e3b\u8981\u533a\u522b\uff0c\u4ee5\u4fbf\u60a8\u66f4\u660e\u667a\u5730\u9009\u62e9\u6700\u9002\u5408\u60a8\u7684 IRA\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u662f\u5e38\u89c4\uff08\u4f20\u7edf\uff09IRA\uff1f<\/h2>\n\n\n\n<p>\u4f20\u7edf\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (IRA) \u662f\u4e00\u79cd\u4eab\u6709\u7a0e\u6536\u4f18\u60e0\u7684\u9000\u4f11\u50a8\u84c4\u548c\u6295\u8d44\u8d26\u6237\u3002\u4f20\u7edf IRA \u8d26\u6237\u7684\u4f9b\u6b3e\u53ef\u80fd\u53ef\u4ee5\u62b5\u7a0e\uff0c\u5177\u4f53\u53d6\u51b3\u4e8e\u60a8\u7684\u6536\u5165\u4ee5\u53ca\u60a8\u62e5\u6709\u7684\u5de5\u4f5c\u573a\u6240\u9000\u4f11\u8ba1\u5212\u3002<\/p>\n\n\n\n<p>\u5408\u683c\u4f9b\u6b3e\u4f1a\u964d\u4f4e\u60a8\u5f53\u5e74\u7684\u5e94\u7a0e\u6536\u5165\uff0c\u4ece\u800c\u8282\u7701\u5927\u91cf\u7a0e\u6b3e\u3002\u4f9b\u6b3e\u548c\u6536\u5165\u589e\u957f\u65e0\u9700\u7f34\u7eb3\u4efb\u4f55\u5e74\u5ea6\u7a0e\u6b3e\u3002\u76f8\u53cd\uff0c\u9000\u4f11\u671f\u95f4\u7684\u5408\u683c\u63d0\u6b3e\u5c06\u4f5c\u4e3a\u666e\u901a\u6536\u5165\u5f81\u7a0e\uff0c\u7a0e\u7387\u53ef\u80fd\u8f83\u4f4e\u3002\u4f46\u662f\uff0c\u5982\u679c\u60a8\u5728\u8fbe\u5230\u653f\u5e9c\u5141\u8bb8\u7684\u5e74\u9f84\u4e4b\u524d\u63d0\u53d6\u8d44\u91d1\uff0c\u5219\u53ef\u80fd\u9700\u8981\u7f34\u7a0e\u5e76\u7f34\u7eb310%\u7f5a\u6b3e\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u662f\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Roth IRA)\uff1f<\/h2>\n\n\n\n<p>\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Roth IRA) \u662f\u4e00\u79cd\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff0c\u9000\u4f11\u540e\u53ef\u4eab\u53d7\u514d\u7a0e\u589e\u957f\u548c\u514d\u7a0e\u5408\u683c\u63d0\u6b3e\u3002\u4e0d\u8fc7\uff0c\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\u7684\u4f9b\u6b3e\u662f\u4ee5\u7a0e\u540e\u8d44\u91d1\u652f\u4ed8\u7684\u3002\u8fd9\u610f\u5473\u7740\u60a8\u5728\u4f9b\u6b3e\u5f53\u5e74\u4e0d\u4f1a\u83b7\u5f97\u4efb\u4f55\u7a0e\u6536\u4f18\u60e0\u3002\u4e0d\u8fc7\uff0c\u5982\u679c\u60a8\u81f3\u5c11\u8fbe\u5230\u4eab\u53d7\u7a0e\u6536\u4f18\u60e0\u63d0\u6b3e\u7684\u5e74\u9f84\uff0c\u5219\u53ef\u4ee5\u514d\u7a0e\u63d0\u53d6\u4f9b\u6b3e\u548c\u6295\u8d44\u6536\u76ca\u3002<\/p>\n\n\n\n<p>\u60a8\u53ef\u4ee5\u968f\u65f6\u63d0\u53d6\u4f9b\u6b3e\uff08\u800c\u975e\u6536\u76ca\uff09\uff0c\u65e0\u9700\u7f34\u7a0e\u6216\u7f34\u7eb3\u7f5a\u91d1\u3002\u8981\u514d\u7a0e\u63d0\u53d6\u6536\u76ca\uff0c\u60a8\u7684\u8d26\u6237\u5fc5\u987b\u81f3\u5c11\u5f00\u6237\u4e94\u5e74\uff0c\u5e76\u4e14\u60a8\u5fc5\u987b\u5e74\u6ee159\u5c81\u534a\u624d\u80fd\u907f\u514d\u7f34\u7eb3\u7f5a\u91d1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f20\u7edf IRA \u548c Roth IRA \u4e4b\u95f4\u7684\u4e3b\u8981\u533a\u522b<\/h2>\n\n\n\n<p>\u4e0d\u786e\u5b9a\u54ea\u79cd IRA \u9002\u5408\u60a8\uff1f\u9996\u5148\u4e86\u89e3\u4e00\u4e0b\u666e\u901a IRA \u548c Roth IRA \u7684\u4e3b\u8981\u533a\u522b\uff1a<\/p>\n\n\n\n<style>table, th, td {\n  border: 1px solid black; \n  padding: 0px; \n  text-align: left;\n}\nth, td {\n  padding: 6px; \n}\n<\/style><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u4e0d\u540c\u4e4b\u5904<\/strong><\/td><td><strong>\u4f20\u7edf IRA<\/strong><\/td><td><strong>\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237<\/strong><\/td><\/tr><tr><td style=\"vertical-align: top;\">\u7a0e\u52a1\u5904\u7406<\/td><td style=\"vertical-align: top;\">\u4f7f\u7528\u4f20\u7edf IRA\uff0c\u60a8\u53ef\u4ee5\u4ece\u5f53\u5e74\u7684\u6240\u5f97\u7a0e\u4e2d\u6263\u9664\u4f9b\u6b3e\uff0c\u4ece\u800c\u964d\u4f4e\u60a8\u7684\u5e94\u7a0e\u6536\u5165\uff0c\u5e76\u53ef\u80fd\u964d\u4f4e\u60a8\u7684\u7a0e\u7ea7\u3002\u4f46\u662f\uff0c\u5f53\u60a8\u9000\u4f11\u540e\u5f00\u59cb\u63d0\u53d6\u63d0\u6b3e\u65f6\uff0c\u6240\u6709\u6536\u76ca\u90fd\u5c06\u4f5c\u4e3a\u666e\u901a\u6536\u5165\u5f81\u7a0e\u3002<\/td><td style=\"vertical-align: top;\">\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Roth IRA) \u7684\u4f9b\u6b3e\u662f\u7528\u7a0e\u540e\u6536\u5165\u652f\u4ed8\u7684\uff0c\u56e0\u6b64\u6ca1\u6709\u9884\u5148\u7684\u7a0e\u6536\u4f18\u60e0\u3002\u7136\u800c\uff0c\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Roth IRA) \u7684\u597d\u5904\u662f\uff0c\u60a8\u9000\u4f11\u540e\u7b26\u5408\u6761\u4ef6\u7684\u63d0\u6b3e\u662f\u514d\u7a0e\u7684\uff0c\u8fd9\u5305\u62ec\u60a8\u7684\u521d\u59cb\u4f9b\u6b3e\u548c\u6295\u8d44\u6536\u76ca\u3002<\/td><\/tr><tr><td style=\"vertical-align: top;\">\u63d0\u6b3e\u89c4\u5219<\/td><td style=\"vertical-align: top;\">\u4f20\u7edf IRA \u8d26\u6237\u7684\u63d0\u6b3e\u89c4\u5219\u66f4\u4e3a\u4e25\u683c\u3002\u5982\u679c\u60a8\u5728 59.5 \u5c81\u4e4b\u524d\u4ece\u8d26\u6237\u4e2d\u63d0\u53d6\u4efb\u4f55\u8d44\u91d1\uff0c\u9664\u4e86 10% \u7684\u63d0\u524d\u63d0\u6b3e\u7f5a\u91d1\u5916\uff0c\u60a8\u5f88\u53ef\u80fd\u8fd8\u9700\u8981\u5c31\u8be5\u7b14\u6536\u5165\u7f34\u7eb3\u6240\u5f97\u7a0e\u3002\u67d0\u4e9b\u4f8b\u5916\u60c5\u51b5\u5141\u8bb8\u63d0\u524d\u63d0\u6b3e\u514d\u7f5a\u91d1\uff0c\u4f8b\u5982\u8d2d\u4e70\u9996\u5957\u623f\u6216\u652f\u4ed8\u7b26\u5408\u6761\u4ef6\u7684\u6559\u80b2\u8d39\u7528\u3002<\/td><td style=\"vertical-align: top;\">\u53e6\u4e00\u65b9\u9762\uff0c\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Roth IRA) \u5219\u66f4\u52a0\u7075\u6d3b\uff0c\u56e0\u4e3a\u60a8\u53ef\u4ee5\u968f\u65f6\u63d0\u53d6\u60a8\u7684\u4f9b\u6b3e\uff08\u4f46\u4e0d\u80fd\u63d0\u53d6\u6536\u76ca\uff09\uff0c\u65e0\u9700\u7f34\u7eb3\u7f5a\u91d1\u6216\u7a0e\u6b3e\u3002\u4f46\u662f\uff0c\u60a8\u5fc5\u987b\u5e74\u6ee1 59.5 \u5c81\uff0c\u5e76\u4e14\u8d26\u6237\u5f00\u6237\u5e74\u9650\u81f3\u5c11\u4e3a 5 \u5e74\uff0c\u624d\u80fd\u514d\u7a0e\u63d0\u53d6\u6536\u76ca\u3002<\/td><\/tr><tr><td style=\"vertical-align: top;\">\u6700\u4f4e\u5206\u914d\u8981\u6c42\uff08RMD\uff09<\/td><td style=\"vertical-align: top;\">\u4f20\u7edf IRA \u8981\u6c42\u60a8\u4ece 73 \u5c81\u5f00\u59cb\u63d0\u53d6\u8d44\u91d1\uff0c\u5373\u4f7f\u60a8\u4e0d\u9700\u8981\u8fd9\u7b14\u94b1\u3002\u8fd9\u4e9b\u63d0\u6b3e\u5c06\u4f5c\u4e3a\u666e\u901a\u6536\u5165\u5f81\u7a0e\uff0c\u5e76\u53ef\u80fd\u589e\u52a0\u60a8\u7684 Medicare \u4fdd\u8d39\u6216\u793e\u4f1a\u4fdd\u969c\u7a0e\u3002<\/td><td style=\"vertical-align: top;\">\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Roth IRA) \u4e0d\u4f1a\u5728\u60a8\u7684\u4e00\u751f\u4e2d\u5f3a\u5236\u6267\u884c\u8fd9\u9879\u89c4\u5219\u3002\u60a8\u7684\u8d44\u91d1\u53ef\u4ee5\u4fdd\u7559\u5728\u8d26\u6237\u4e2d\uff0c\u514d\u7a0e\u589e\u957f\uff0c\u5e76\u539f\u5c01\u4e0d\u52a8\u5730\u4f20\u7ed9\u7ee7\u627f\u4eba\u3002\u8fd9\u79cd\u7075\u6d3b\u6027\u662f\u4e00\u5927\u4f18\u52bf\u3002<\/td><\/tr><tr><td style=\"vertical-align: top;\">\u4f9b\u6b3e\u6536\u5165\u9650\u5236<\/td><td style=\"vertical-align: top;\">\u867d\u7136\u6ca1\u6709 <a href=\"https:\/\/www.schwab.com\/ira\/roth-ira\/contribution-limits\">\u6536\u5165\u9650\u5236<\/a> \u5bf9\u4e8e\u5411\u4f20\u7edf IRA \u7f34\u7eb3\u7684\u6b3e\u9879\uff0c\u5982\u679c\u60a8\u6216\u60a8\u7684\u914d\u5076\u6709\u5de5\u4f5c\u573a\u6240\u9000\u4f11\u8ba1\u5212\uff0c\u60a8\u5728\u7eb3\u7a0e\u7533\u62a5\u8868\u4e0a\u6263\u9664\u8fd9\u4e9b\u6b3e\u9879\u7684\u80fd\u529b\u53ef\u80fd\u4f1a\u53d7\u5230\u9650\u5236\u3002<\/td><td style=\"vertical-align: top;\">\u7136\u800c\uff0c\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Roth IRA) \u786e\u5b9e\u6709\u6536\u5165\u9650\u5236\u3002\u4f8b\u5982\uff0c\u5982\u679c\u5355\u8eab\u7533\u62a5\u8005\u7684\u8c03\u6574\u540e\u603b\u6536\u5165 (MAGI) \u8d85\u8fc7\u4e00\u5b9a\u95e8\u69db\uff0c\u5176\u4f9b\u6b3e\u989d\u5c06\u88ab\u51cf\u5c11\u6216\u88ab\u7981\u6b62\u3002\u9ad8\u6536\u5165\u8005\u53ef\u80fd\u6ca1\u6709\u8d44\u683c\u76f4\u63a5\u5411\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Roth IRA) \u4f9b\u6b3e\u3002\u4e86\u89e3\u8fd9\u4e9b\u6536\u5165\u95e8\u69db\u5bf9\u4e8e\u907f\u514d\u7f34\u7eb3\u4e0d\u7b26\u5408\u8d44\u683c\u7684\u91d1\u989d\u6216\u5b8c\u5168\u5931\u53bb\u7a0e\u6536\u4f18\u60e0\u81f3\u5173\u91cd\u8981\u3002<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">\u60a8\u7684\u5904\u65b9\u5206\u7c7b\u548c\u4ea4\u4ed8<\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/zh\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"\u5f00\u59cb\" >\n\n          <span class=\"wrapp-title-link\">\u5f00\u59cb<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<p>\u5bf9\u4e8e\u666e\u901a\u4eba\u6765\u8bf4\uff0c\u5982\u679c\u4f60\u6b63\u5904\u4e8e\u804c\u4e1a\u751f\u6daf\u7684\u65e9\u671f\uff0c\u5927\u7ea620\u523040\u5c81\u4e4b\u95f4\uff0c\u90a3\u4e48\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff08Roth IRA\uff09\u51e0\u4e4e\u80af\u5b9a\u662f\u66f4\u597d\u7684\u9009\u62e9\uff0c\u56e0\u4e3a\u4f60\u7684\u7f34\u6b3e\u53ef\u4ee5\u83b7\u5f97\u6570\u5341\u5e74\u7684\u514d\u7a0e\u6295\u8d44\u589e\u957f\u3002\u5982\u679c\u4f60\u5df2\u7ecf50\u591a\u5c81\u6216\u4ee5\u4e0a\uff0c\u90a3\u4e48\u4f20\u7edf\u4e2a\u4eba\u9000\u4f11\u8d26\u6237\uff08Traditional IRA\uff09\u7684\u7a0e\u6536\u4f18\u60e0\u53ef\u80fd\u66f4\u6709\u4ef7\u503c\u3002<\/p>\n\n\n\n<p>\u5982\u6709\u7591\u95ee\uff0c\u8bf7\u4e0e\u503c\u5f97\u4fe1\u8d56\u7684\u7a0e\u52a1\u987e\u95ee\uff08\u4f8b\u5982\u6ce8\u518c\u4f1a\u8ba1\u5e08\u6216\u6267\u4e1a\u7a0e\u52a1\u5f8b\u5e08\uff09\u5408\u4f5c\uff0c\u627e\u51fa\u6700\u9002\u5408\u60a8\u7684\u8d22\u52a1\u72b6\u51b5\u7684\u65b9\u6cd5\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6211\u53ef\u4ee5\u540c\u65f6\u62e5\u6709\u4f20\u7edf IRA \u548c Roth IRA \u5417\uff1f<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\">\n\n                                \n    \n  <picture>\n    <source type=\"image\/webp\" sizes=\"100vw\" srcset=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-100x0-c-default.webp 100w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-200x0-c-default.webp 200w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-400x0-c-default.webp 400w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings.webp 420w\">\n    <source type=\"image\/jpeg\" sizes=\"100vw\" srcset=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-100x0-c-default.jpg 100w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-200x0-c-default.jpg 200w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings-400x0-c-default.jpg 400w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings.jpg 420w\">\n    <img class=\"\" width=\"420\" height=\"280\" alt=\"IRA-savings\" src=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/IRA-savings.jpg\" loading=\"lazy\">\n  <\/picture>\n\n<\/figure>\n<\/div>\n\n\n<p>\u662f\u7684\uff0c\u7edd\u5bf9\u53ef\u4ee5\u3002\u5f88\u591a\u4eba\u540c\u65f6\u5411\u4f20\u7edf IRA \u548c Roth IRA \u8d26\u6237\u4f9b\u6b3e\u3002\u5173\u952e\u5728\u4e8e\u786e\u4fdd\u6bcf\u5e74\u7684\u4f9b\u6b3e\u989d\u4e0d\u8d85\u8fc7 IRS \u89c4\u5b9a\u7684\u9650\u989d\uff0c\u56e0\u4e3a\u9650\u989d\u53ef\u80fd\u4f1a\u91cd\u53e0\u3002 <a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-ira-contribution-limits\">2025 \u5e74\u5e74\u5ea6\u9650\u989d<\/a> \u4e3a $7,000\uff08\u5982\u679c\u60a8\u5e74\u6ee1 50 \u5c81\uff0c\u5219\u4e3a $8,000\uff09\u3002\u6b64\u603b\u989d\u5305\u542b\u4f20\u7edf\u8d26\u6237\u548c\u7f57\u65af\u8d26\u6237\u7684\u4f9b\u6b3e\uff0c\u56e0\u6b64\u60a8\u53ef\u4ee5\u6839\u636e\u81ea\u5df1\u7684\u559c\u597d\u8fdb\u884c\u5206\u914d\u3002<\/p>\n\n\n\n<p>\u62e5\u6709\u4e24\u79cd\u8d26\u6237\u7684\u4e00\u4e2a\u597d\u5904\u662f\uff0c\u60a8\u53ef\u4ee5\u5229\u7528\u5b83\u4eec\u6765\u5206\u6563\u60a8\u7684\u7a0e\u52a1\u72b6\u51b5\u3002\u60a8\u7684\u9000\u4f11\u50a8\u84c4\u4e2d\uff0c\u6709\u4e9b\u662f\u9884\u7f34\u7a0e\u6b3e\uff0c\u6709\u4e9b\u662f\u5ef6\u7a0e\uff0c\u6709\u4e9b\u5219\u662f\u514d\u7a0e\u589e\u957f\u3002\u8fd9\u53ef\u4ee5\u8ba9\u60a8\u5728\u9000\u4f11\u671f\u95f4\u62e5\u6709\u66f4\u5927\u7684\u7075\u6d3b\u6027\uff0c\u56e0\u4e3a\u60a8\u6709\u66f4\u591a\u63d0\u53d6\u50a8\u84c4\u548c\u7ba1\u7406\u7a0e\u52a1\u8d23\u4efb\u7684\u9009\u62e9\u3002\u8bb8\u591a\u7cbe\u660e\u7684\u5bb6\u5ead\u4f1a\u4e3a\u914d\u5076\u5404\u81ea\u5f00\u8bbe\u4e00\u4e2a IRA \u8d26\u6237\u548c\u4e00\u4e2a Roth IRA \u8d26\u6237\uff0c\u5e76\u5728\u6bcf\u4e2a\u65e5\u5386\u5e74\u5c06\u5141\u8bb8\u7684\u6700\u9ad8\u91d1\u989d\u5b58\u5165\u5f53\u5e74\u8d22\u52a1\u6536\u76ca\u6700\u9ad8\u7684\u8d26\u6237\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u89c4 IRA \u4e0e Roth IRA\uff1a\u5982\u4f55\u505a\u51fa\u6b63\u786e\u9009\u62e9<\/h2>\n\n\n\n<p>\u9009\u62e9\u7f57\u65af\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Roth IRA) \u8fd8\u662f\u666e\u901a\u4e2a\u4eba\u9000\u4f11\u8d26\u6237 (Raw IRA) \u6700\u7ec8\u53d6\u51b3\u4e8e\u60a8\u5f53\u524d\u7684\u6536\u5165\u3001\u7a0e\u7ea7\u3001\u9884\u671f\u7684\u957f\u671f\u6536\u5165\u548c\u7a0e\u6536\u4ee5\u53ca\u8d22\u52a1\u76ee\u6807\u3002<\/p>\n\n\n\n<p>\u60a8\u60f3\u73b0\u5728\u964d\u4f4e\u7a0e\u8d1f\uff0c\u8fd8\u662f\u60f3\u5728\u672a\u6765\u8282\u7701\u7a0e\u6b3e\uff1f\u9000\u4f11\u6307\u65e5\u53ef\u5f85\uff0c\u8fd8\u662f\u8fd8\u8981\u51e0\u5341\u5e74\u540e\uff1f\u8fd9\u4e9b\u90fd\u662f\u9009\u62e9\u8d26\u6237\u65f6\u9996\u5148\u8981\u95ee\u81ea\u5df1\u7684\u95ee\u9898\u3002<\/p>\n\n\n\n<p>\u60a8\u53ef\u4ee5\u9009\u62e9\u540c\u65f6\u5411\u5e38\u89c4 IRA \u548c\u7f57\u65af IRA \u8d26\u6237\u4f9b\u6b3e\uff0c\u53ea\u8981\u4e0d\u8d85\u8fc7\u5e74\u5ea6\u4f9b\u6b3e\u9650\u989d\u5373\u53ef\u3002\u60a8\u53ef\u4ee5\u540c\u65f6\u4fdd\u7559\u8fd9\u4e24\u4e2a\u8d26\u6237\uff0c\u56e0\u4e3a\u5b83\u4eec\u5c06\u5728\u672a\u6765\u4e3a\u60a8\u670d\u52a1\uff0c\u4f46\u60a8\u6ca1\u6709\u4e49\u52a1\u5728\u7279\u5b9a\u5e74\u4efd\u9009\u62e9\u5176\u4e2d\u4e00\u4e2a\u8d26\u6237\u3002<\/p>\n\n\n\n<p>\u82b1\u65f6\u95f4\u6bd4\u8f83\u60a8\u7684\u9009\u62e9\u6216\u5411\u8d22\u52a1\u987e\u95ee\u5bfb\u6c42\u5e2e\u52a9\uff0c\u4ee5\u4fbf\u60a8\u53ef\u4ee5\u4e3a\u60a8\u7684\u8d22\u52a1\u672a\u6765\u505a\u51fa\u660e\u667a\u7684\u51b3\u5b9a\u3002<\/p>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">\u9884\u5206\u7c7b\u5904\u65b9 | \u9001\u8d27\u4e0a\u95e8 <\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/zh\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"\u5728\u7ebf\u6ce8\u518c\" >\n\n          <span class=\"wrapp-title-link\">\u5728\u7ebf\u6ce8\u518c<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<p><\/p>\n<div class=\"acf-fields-container\" data-post-id=\"15610\" data-canto-acf=\"true\"><\/div><style>\r\n        .acf-fields-container {\r\n            margin: 2em 0;\r\n            width: 100%;\r\n            clear: both;\r\n        }\r\n        .acf-field-image {\r\n            margin: 1.5em 0;\r\n            position: relative;\r\n        }\r\n        .acf-field-label {\r\n            margin-bottom: 1em;\r\n        }\r\n        .acf-image {\r\n            max-width: 100%;\r\n            height: auto;\r\n            display: block;\r\n            margin: 1em 0;\r\n        }\r\n    <\/style>","protected":false},"excerpt":{"rendered":"<p>\u5728\u4e3a\u9000\u4f11\u50a8\u84c4\u65f6\uff0c\u9996\u5148\u8981\u8003\u8651\u7684\u662f\u6295\u8d44\u4f20\u7edf IRA \u8fd8\u662f\u7f57\u65af IRA\u3002\u867d\u7136\u4e24\u8005\u90fd\u63d0\u4f9b\u6709\u4ef7\u503c\u7684\u7a0e\u6536\u4f18\u60e0\uff0c\u4f46\u4f18\u60e0\u7684\u5b9e\u73b0\u65b9\u5f0f\u548c\u65f6\u95f4\u6709\u6240\u4e0d\u540c\u3002\u4f20\u7edf IRA \u63d0\u4f9b\u7a0e\u524d\u4f18\u60e0\uff0c\u5373\u5728\u60a8\u5411\u8d26\u6237\u4f9b\u6b3e\u65f6\u964d\u4f4e\u60a8\u7684\u7a0e\u8d1f\u3002\u7f57\u65af IRA \u5141\u8bb8\u5728\u9000\u4f11\u671f\u95f4\u514d\u7a0e\u63d0\u6b3e\uff0c\u8fd9\u76f8\u5f53\u4e8e\u514d\u7a0e\u8d44\u672c\u6536\u76ca\u3002\u8bbe\u7acb\u65b0\u7684 IRA \u65f6\uff0c\u6700\u91cd\u8981\u7684\u8003\u8651\u56e0\u7d20\u662f\u60a8\u9884\u671f\u7684\u5f53\u524d\u548c\u672a\u6765\u7a0e\u7387\u3002\u7ee7\u7eed\u9605\u8bfb\uff0c\u4e86\u89e3\u4e3b\u8981\u533a\u522b\uff0c\u4ee5\u4fbf\u60a8\u80fd\u591f\u66f4\u660e\u667a\u5730\u9009\u62e9\u6700\u9002\u5408\u60a8\u7684 IRA\u3002<\/p>","protected":false},"author":24,"featured_media":15616,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[208],"tags":[66,68,69,285,305],"class_list":["post-15610","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-ira","tag-retirement","tag-savings","tag-taxes","tag-roth"],"acf":[],"canto_acf_fields":"<div class=\"acf-fields-container\" data-post-id=\"15610\" data-canto-acf=\"true\"><\/div><style>\r\n        .acf-fields-container {\r\n            margin: 2em 0;\r\n            width: 100%;\r\n            clear: both;\r\n        }\r\n        .acf-field-image {\r\n            margin: 1.5em 0;\r\n            position: relative;\r\n        }\r\n        .acf-field-label {\r\n            margin-bottom: 1em;\r\n        }\r\n        .acf-image {\r\n            max-width: 100%;\r\n            height: auto;\r\n            display: block;\r\n            margin: 1em 0;\r\n        }\r\n    <\/style>","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Regular IRA vs. Roth IRA: Which Should You Choose? | MedBox | Medications Sorted By Dose | Full-Service Pharmacy<\/title>\n<meta name=\"description\" content=\"This article covers the key differences between a regular IRA vs. Roth IRA. We explain each type of IRA, and compare them side by side.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/medbox.com\/zh\/regular-ira-vs-roth-ira-which-should-you-choose\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regular IRA vs. Roth IRA: Which Should You Choose? | MedBox | Medications Sorted By Dose | Full-Service Pharmacy\" \/>\n<meta property=\"og:description\" content=\"This article covers the key differences between a regular IRA vs. Roth IRA. We explain each type of IRA, and compare them side by side.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/medbox.com\/zh\/regular-ira-vs-roth-ira-which-should-you-choose\/\" \/>\n<meta property=\"og:site_name\" content=\"MedBox | Medications Sorted By Dose | Full-Service Pharmacy\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-13T22:22:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-13T22:42:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/08\/financial-consultation.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"660\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eric Rosenberg, MBA, CFEI\u00ae\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eric Rosenberg, MBA, CFEI\u00ae\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 \u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/medbox.com\\\/regular-ira-vs-roth-ira-which-should-you-choose\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/regular-ira-vs-roth-ira-which-should-you-choose\\\/\"},\"author\":{\"name\":\"Eric Rosenberg, MBA, CFEI\u00ae\",\"@id\":\"https:\\\/\\\/medbox.com\\\/#\\\/schema\\\/person\\\/500a682cb376a1de2573fd888bc8ff29\"},\"headline\":\"Regular IRA vs. Roth IRA: Which Should You Choose?\",\"datePublished\":\"2025-08-13T22:22:45+00:00\",\"dateModified\":\"2025-08-13T22:42:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/regular-ira-vs-roth-ira-which-should-you-choose\\\/\"},\"wordCount\":1116,\"image\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/regular-ira-vs-roth-ira-which-should-you-choose\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/medbox.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/financial-consultation.jpg\",\"keywords\":[\"ira\",\"retirement\",\"savings\",\"taxes\",\"Roth\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"zh-CN\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/medbox.com\\\/regular-ira-vs-roth-ira-which-should-you-choose\\\/\",\"url\":\"https:\\\/\\\/medbox.com\\\/regular-ira-vs-roth-ira-which-should-you-choose\\\/\",\"name\":\"Regular IRA vs. Roth IRA: Which Should You Choose? | MedBox | Medications Sorted By Dose | Full-Service Pharmacy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/regular-ira-vs-roth-ira-which-should-you-choose\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/regular-ira-vs-roth-ira-which-should-you-choose\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/medbox.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/financial-consultation.jpg\",\"datePublished\":\"2025-08-13T22:22:45+00:00\",\"dateModified\":\"2025-08-13T22:42:05+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/#\\\/schema\\\/person\\\/500a682cb376a1de2573fd888bc8ff29\"},\"description\":\"This article covers the key differences between a regular IRA vs. Roth IRA. 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