“SIMPLE IRA vs 401(k)” 주제로 실제 사례 분석 QnA 영상을 업로드해 드립니다.
영상에서 다루고자 하는 질문이 있다면 이 영상에 댓글로 달아주시거나 QnA 라이브에서 참여해 주시면 선정 후 다음 영상에서 참고하여 반영해 드립니다.

📌참고영상
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📌Timestamp
00:00 시작
00:08 SIMPLE IRA vs 401(k)
03:57 사업주가 고려할 수 있는 은퇴연금 옵션
04:17 이 기준으로 결정해라
06:07 1. Contribution Limit
06:59 2. 회사의 Matching Contribution
08:59 3. Loan Options
10:28 4. Invest Options
11:47 5. 비용부담

#simpleira #401k #사업주은퇴연금 #contributionlimit #matchingcontribution #loanoptions #investoptions #비용부담 #미국변호사 #미국회계사 #존청 #JohnChung

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When it comes to saving for retirement, there are several options available to individuals, including Simple IRA and 401(k) plans. Both of these retirement savings plans offer tax advantages and employer contributions, but it can be difficult to determine which one is better suited for your specific needs. By comparing these plans using five key criteria, individuals can make a more informed decision about which plan is the best fit for them.

1. Employee Eligibility: Simple IRA plans are best suited for small businesses with 100 or fewer employees, while 401(k) plans are more commonly offered by larger corporations. Therefore, the size of your employer may play a significant role in determining which plan is available to you.

2. Contribution Limits: 401(k) plans typically allow for higher contribution limits than Simple IRA plans. In 2021, the maximum contribution limit for a 401(k) plan is $19,500, while the limit for a Simple IRA plan is $13,500. Additionally, individuals over the age of 50 can make catch-up contributions of $6,500 to a 401(k) plan, compared to $3,000 for a Simple IRA plan.

3. Employer Contributions: While both Simple IRA and 401(k) plans allow for employer contributions, the matching formulas and contribution amounts can vary. 401(k) plans often offer a higher employer match, up to a certain percentage of an employee’s salary, which can greatly increase the overall retirement savings.

4. Administrative Requirements: Simple IRA plans are known for their simplicity and low administrative costs, making them an attractive option for small businesses. On the other hand, 401(k) plans may have more complex administrative requirements and higher associated costs, which could be a deterrent for some employers.

5. Investment Options: 401(k) plans typically offer a wider range of investment options, including stocks, bonds, and mutual funds, allowing employees to build a diversified retirement portfolio. Simple IRA plans, while still offering investment choices, may be more limited in scope.

In conclusion, the decision between a Simple IRA and a 401(k) plan ultimately depends on individual circumstances, including the size of the employer, contribution limits, employer contributions, administrative requirements, and investment options. By carefully considering these factors, individuals can make an informed decision about which retirement savings plan best suits their needs and goals for the future. Regardless of the chosen plan, saving for retirement is an important financial goal that should be prioritized by individuals at all stages of their careers.