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ÀºÅð°èÁ Àû¸³·üµµ ¼ÒÆø Ç϶ôÇß´Ù.
ȸ»ç¿Í ±Ù·ÎÀÚÀÇ 401(k) °øµ¿ ºÐ´ã·üÀº 13.8%·Î ³ª»ÚÁö ¾ÊÁö¸¸, ÀÌÀü 2°³ ºÐ±âº¸´Ù °¨¼ÒÇßÀ¸¸ç Çǵ¨¸®Æ¼ÀÇ ±Ç°í ºñÀ²ÀÎ 15%¸¦ ¹Øµ¹¾Ò´Ù.
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Çǵ¨¸®Æ¼¿¡ µû¸£¸é °æ±â ºÒȲ¿¡µµ ÀºÅð°èÁ ÇØÁöÀ²Àº 4.5%¿¡ ±×Ä¡°í ÀÖÀ¸¸ç, IRA °¡ÀÔÀÚ ¼ö´Â ¿ÀÈ÷·Á Áõ°¡ Ãß¼¼ÀÌ´Ù. ¶ÇÇÑ, 401(k) À¶ÀÚ¸¦ ½ÅûÇÑ ±Ù·ÎÀÚÀÇ ºñÀ²Àº 6ºÐ±â ¿¬¼Ó ³·Àº ¼öÁØÀ» À¯ÁöÇÏ°í ÀÖ´Ù.
Çǵ¨¸®Æ¼ÀÇ ¸¶ÀÌÅ© ¼¤·¼ ºÎ»çÀåÀº “10³â Àü°ú ºñ±³Çϸé ÀºÅð¿¬±Ý Àܾ×ÀÌ 401(k)´Â 28%, IRA´Â 33% Áõ°¡Çß´Ù”¸ç “°¡Àå °Ç°ÇÑ ÀºÅð¿¬±Ý Àü·« Áß Çϳª´Â ½ÃÀå »óȲ°ú »ó°ü¾øÀÌ ¸ñÇ¥ ´Þ¼ºÀ» À§ÇØ ²ÙÁØÈ÷ Àû¸³ÇÏ´Â °Í”À̶ó°í ¸»Çß´Ù.
±ÞÀüÀÌ ÇÊ¿äÇÏ´Ù¸é Àü¹®°¡µéÀº Á¶±â ÀÎÃ⺸´Ù´Â Â÷¶ó¸® 401(k) À¶ÀÚ ½ÅûÀ» ±Ç°íÇÏ°í ÀÖ´Ù. 401(k)¿Í ÀÏ¹Ý IRAÀÇ 59.5¼¼ ÀÌÀü¿¡ µ·À» ÀÎÃâÇϸé ÀÎÃ⠱ݾ×ÀÇ 10%°¡ ¹ú±ÝÀ¸·Î ºÎ°úµÈ´Ù. ¶Ç ¼ÒµæÀ¸·Î °£ÁÖÇØ °ú¼¼ ´ë»ó¿¡µµ Æ÷ÇԵȴÙ.
¾÷°è Àü¹®°¡µéÀº “°³ÀÎ À¶ÀÚ°¡ Èûµé´Ù¸é 401(k) À¶ÀÚ¸¦ ¹Þ´Â ¹æ¹ýµµ ÀÖ´Ù”¸ç “ÀºÅ𿬱ÝÀº ´Ü±â ½ÃÀå »óȲÀ¸·Î °èȹÀ» ¼öÁ¤Çϱ⺸´Ù Àå±âÀûÀÎ ¾È¸ñÀ¸·Î ºÁ¾ß ÇÑ´Ù”°í Á¶¾ðÇß´Ù.
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