{"id":616846,"date":"2026-01-23T10:45:43","date_gmt":"2026-01-23T18:45:43","guid":{"rendered":"https:\/\/nai500.com\/?p=616846"},"modified":"2026-01-23T10:45:43","modified_gmt":"2026-01-23T18:45:43","slug":"schw-ms-solo-401k","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2026\/01\/schw-ms-solo-401k\/","title":{"rendered":"SCHW \u548c MS \u5728\u81ea\u7531\u8077\u696d\u8005\u4e2d\u6436\u653b Solo 401k \u71b1\u6f6e"},"content":{"rendered":"

\u83ef\u723e\u8857\u6b63\u5927\u529b\u63a8\u5ee3 Solo 401k \u8a08\u5283\uff0c\u56e0\u70ba 1099 \u52de\u52d5\u529b\u64f4\u589e\u4e14\u5831\u7a05\u5b63\u81e8\u8fd1\u3002\u5f9e Charles Schwab \u548c Morgan Stanley \u7684 E-Trade \u5230 Bank of America Merrill \u8207 JPMorgan \u7684\u5238\u5546\uff0c\u90fd\u5728\u63a8\u51fa\u91dd\u5c0d\u6027\u884c\u92b7\u6d3b\u52d5\uff0c\u4f01\u5716\u5728\u7533\u5831\u622a\u6b62\u65e5\u524d\u6436\u596a\u81ea\u96c7\u65cf\u7684\u4f9b\u6b3e\u3002\u8a34\u6c42\u5f88\u7c21\u55ae\uff1a\u4e00\u6b21\u6027\u906e\u907f\u66f4\u591a\u6240\u5f97\u3001\u589e\u52a0 Roth \u529f\u80fd\uff0c\u4e26\u5c07\u9592\u7f6e\u73fe\u91d1\u505c\u653e\u5728\u4ecd\u512a\u65bc\u6d3b\u671f\u5e33\u6236\u7684\u6536\u76ca\u5de5\u5177\u3002\u5c0d\u65bc\u5c0b\u627e\u9ecf\u6027\u8cc7\u7522\u8207\u5229\u5dee\u7684\u5927\u578b\u5e73\u53f0\u4f86\u8aaa\uff0cSolo 401k \u5df2\u6210\u70ba\u65b0\u7684 IRA\u2014\u2014\u53ea\u662f\u898f\u6a21\u66f4\u5927\u3002<\/p>\n

\u9ad8\u7a05\u7387\u4e16\u754c\u88e1\u7684\u7a05\u52d9\u907f\u98a8\u6e2f<\/h3>\n

Solo 401k \u8a08\u5283\u5141\u8a31\u696d\u4e3b\u540c\u6642\u4ee5\u54e1\u5de5\u548c\u96c7\u4e3b\u8eab\u5206\u4f9b\u6b3e\uff0c\u5c07\u5e74\u5ea6\u4e0a\u9650\u63a8\u81f3\u9060\u9ad8\u65bc\u4e00\u822c IRA \u7684\u6c34\u5e73\u3002\u5b83\u5011\u4e5f\u5141\u8a31\u8a2d\u7f6e Roth 401k \u8173\u8272\uff0c\u800c\u4e14\u5728\u8a31\u591a\u60c5\u6cc1\u4e0b\u63d0\u4f9b\u8cb8\u6b3e\u9078\u9805\uff0c\u8b93\u7368\u8cc7\u696d\u4e3b\u8996\u4e4b\u70ba\u5b89\u5168\u95a5\u3002\u5728\u73fe\u91d1\u6536\u76ca\u76f8\u8f03\u65bc\u75ab\u60c5\u524d\u4ecd\u7136\u8f03\u9ad8\u7684\u5229\u7387\u74b0\u5883\u4e2d\uff0c\u9019\u500b\u7d44\u5408\u9817\u6709\u5438\u5f15\u529b\u3002\u9ad8\u6536\u5165\u9867\u554f\u3001\u5275\u4f5c\u8005\u8207\u627f\u5305\u5546\u904e\u53bb\u5e38\u50be\u5411\u4f7f\u7528 SEP IRA\uff0c\u4f46\u73fe\u5728\u70ba\u4e86\u6700\u5927\u5316\u905e\u5ef6\u4e26\u7372\u5f97 Roth \u9078\u9805\uff0c\u6b63\u8f49\u5411 Solo 401k\u3002\u8a2d\u7acb\u898f\u5247\u8207\u8cc7\u91d1\u7a97\u53e3\u6280\u8853\u6027\u8f03\u9ad8\u2014\u2014\u6703\u4f9d\u5be6\u9ad4\u985e\u578b\u8207\u8a08\u5283\u6587\u4ef6\u800c\u7570\u2014\u2014\u56e0\u6b64\u589e\u901f\u591a\u900f\u904e\u627f\u8afe\u63d0\u4f9b\u4e00\u7ad9\u5f0f\u958b\u6236\u3001\u8a08\u5283\u7dad\u8b77\u8207\u53d7\u8a17\u670d\u52d9\u7684\u4fdd\u7ba1\u6a5f\u69cb\u4f86\u5be6\u73fe\u3002\u6bcf\u5e74\u4e00\u6708\uff0c\u7b97\u76e4\u8b8a\u5f97\u66f4\u7cbe\uff1a\u70ba\u53bb\u5e74\u6536\u5272\u6263\u62b5\u3001\u628a\u5b50\u5f48\u66ab\u653e\u5728\u653f\u5e9c\u8ca8\u5e63\u57fa\u91d1\uff0c\u7136\u5f8c\u518d\u6c7a\u5b9a\u662f\u5426\u914d\u7f6e\u5230\u80a1\u7968\u3002Solo 401k \u6b63\u597d\u8fce\u5408\u6b64\u4e00\u884c\u70ba\uff0c\u4e5f\u6070\u5de7\u80fd\u63d0\u632f\u5238\u5546\u7d93\u6fdf\u3002<\/p>\n

\u5238\u5546\u9396\u5b9a 1099 \u52de\u52d5\u529b<\/h3>\n

\u884c\u92b7\u7121\u8655\u4e0d\u5728\uff1aSolo 401k \u8a08\u7b97\u6a5f\u3001\u8207 SEP IRA \u7684\u4e26\u5217\u6bd4\u8f03\u9801\u9762\uff0c\u4ee5\u53ca\u627f\u8afe\u63d0\u4f9b\u7576\u5929\u8a08\u5283\u7de8\u865f\u4ee5\u4fbf\u5ba2\u6236\u5728\u5831\u7a05\u524d\u505a\u51fa\u9078\u64c7\u3002Schwab (SCHW) \u4ef0\u8cf4\u5176\u5728\u8ca8\u5e63\u57fa\u91d1\u8207\u9867\u554f\u8f49\u4ecb\u4e0a\u7684\u898f\u6a21\u3002Morgan Stanley (MS) \u900f\u904e E-Trade\uff0c\u5c07 Solo 401k \u4fdd\u7ba1\u8207\u5176\u66f4\u6df1\u539a\u7684\u9867\u554f\u5718\u968a\u7d81\u5b9a\uff0c\u4ee5\u670d\u52d9\u90a3\u4e9b\u8d85\u51fa\u81ea\u52a9\u7bc4\u7587\u7684\u5ba2\u6236\u3002Bank of America \u7684 Merrill (BAC) \u8207 JPMorgan (JPM) \u5247\u5728\u63a8\u52d5\u6574\u5408\u5316\u9280\u884c\u670d\u52d9\uff0c\u540c\u6642\u4ee5\u5546\u696d\u652f\u7968\u5e33\u6236\u4f5c\u70ba\u9000\u4f11\u4fdd\u7ba1\u7684\u8a98\u56e0\u3002Robinhood (HOOD) \u4e00\u76f4\u5728\u8a66\u9a57\u9000\u4f11\u6fc0\u52f5\uff0c\u5c07 Solo 401k \u5b9a\u4f4d\u70ba\u53cb\u5584\u81ea\u7531\u8077\u696d\u8005\u3001\u5f15\u5c0e\u5176\u9032\u5165\u751f\u614b\u7cfb\u7684\u8def\u5f91\u3002\u5546\u696d\u908f\u8f2f\u986f\u800c\u6613\u898b\u3002Solo 401k \u5e36\u4f86\u7684\u5e73\u5747\u9918\u984d\u9ad8\u65bc IRA\u3001\u7522\u751f\u7d93\u5e38\u6027\u7684\u73fe\u91d1\u6536\u76ca\uff0c\u4e14\u5728\u5ba2\u6236\u5408\u4f75\u8f49\u6efe\u8cc7\u7522\u5230\u55ae\u4e00\u8a08\u5283\u6642\u5e38\u80fd\u5438\u5f15\u5916\u90e8\u8cc7\u7522\u3002\u5b83\u5011\u4e5f\u5f88\u9069\u5408\u4ea4\u53c9\u92b7\u552e\u2014\u2014\u5546\u696d\u4fe1\u8cb8\u3001\u570b\u5eab\u670d\u52d9\uff0c\u4ee5\u53ca\u4e00\u65e6\u4eba\u6578\u6210\u9577\u6642\u5411\u5718\u9ad4 401k \u7684\u5347\u7d1a\u3002\u5c0d\u65bc\u5728\u8ff7\u56e0\u80a1\u9707\u76ea\u5f8c\u4ecd\u5728\u91cd\u5efa\u96f6\u552e\u4fe1\u4efb\u7684\u65e2\u6709\u516c\u53f8\uff0cSolo 401k \u662f\u6709\u5e8f\u3001\u9ad8\u610f\u5716\u3001\u4f4e\u6ce2\u52d5\u7684\u8cc7\u91d1\u4f86\u6e90\u3002<\/p>\n

\u653f\u7b56\u8207\u6d41\u884c\u6587\u5316\u52a9\u9577\u53ef\u89f8\u53ca\u5e02\u5834<\/h3>\n

\u884c\u92b7\u98a8\u66b4\u4e4b\u4e0b\u662f\u7d50\u69cb\u6027\u8b8a\u5316\u3002\u75ab\u60c5\u5f8c\uff0c\u5546\u696d\u8a2d\u7acb\u4ecd\u9ad8\u65bc\u6b77\u53f2\u6c34\u6e96\uff0c\u81ea\u50f1\u5df2\u6210\u70ba\u52de\u52d5\u5e02\u5834\u7684\u4e00\u500b\u6c38\u4e45\u6027\u7279\u5fb5\uff0c\u800c\u975e\u66ab\u6642\u7684\u4ee3\u66ff\u65b9\u6848\u3002\u5408\u7d04\u5de5\u4f5c\u5f9e\u5171\u4e58\u8207\u5916\u9001\u64f4\u6563\u81f3\u8edf\u9ad4\u3001\u5a92\u9ad4\u8207\u5229\u57fa\u96f6\u552e\u3002\u75c5\u6bd2\u5f0f\u7684\u6d88\u8cbb\u6642\u523b\u80fd\u5728\u4e00\u591c\u4e4b\u9593\u5b55\u80b2\u51fa\u53ef\u884c\u7684\u5fae\u578b\u54c1\u724c\uff0c\u5275\u9020\u51fa\u9700\u8981\u7a05\u52d9\u512a\u60e0\u5132\u84c4\u7684\u9577\u5c3e\u696d\u4e3b\u3002\u5275\u4f5c\u8005\u7d93\u6fdf\u6301\u7e8c\u5c08\u696d\u5316\uff0c\u908a\u7de3 AI \u90e8\u7f72\u7684\u8208\u8d77\u4e5f\u64f4\u5927\u4e86\u627f\u5305\u5546\u8207\u6574\u5408\u8005\u5efa\u7acb\u5c0f\u578b\u57f7\u696d\u7684\u65cf\u7fa4\u3002\u7576\u4e00\u6ce2\u65b0\u7368\u8cc7\u696d\u4e3b\u9047\u5230\u4e00\u500b\u734e\u52f5\u8f03\u9ad8\u905e\u5ef6\u8207 Roth \u5f48\u6027\u7684\u7a05\u6cd5\u6642\uff0c\u80fd\u6293\u4f4f\u90a3\u4e9b\u8cc7\u91d1\u7684\u7522\u54c1\u6703\u8fc5\u901f\u64f4\u5f35\u3002\u9019\u5c31\u662f\u7522\u696d\u4e0b\u6ce8\u7684\u539f\u56e0\uff0c\u4e5f\u662f\u5927\u578b\u5e73\u53f0\u73fe\u5728\u82b1\u9322\u8b93 Solo 401k \u770b\u8d77\u4f86\u4ea4\u9470\u5319\u5f0f\u7684\u539f\u56e0\u3002<\/p>\n

\u9677\u9631\uff1a\u5408\u898f\u3001\u4fdd\u7ba1\u8207\u5229\u76ca\u885d\u7a81<\/h3>\n

Solo 401k \u4e26\u975e\u5373\u63d2\u5373\u7528\u3002\u8a08\u5283\u5fc5\u9808\u6b63\u78ba\u8a18\u9304\uff0c\u4e26\u96a8\u898f\u5247\u8b8a\u52d5\u800c\u66f4\u65b0\u3002\u82e5\u8a08\u5283\u8cc7\u7522\u8de8\u8d8a\u67d0\u4e00\u9580\u6abb\uff0c\u696d\u4e3b\u5fc5\u9808\u7533\u5831 Form 5500-EZ\u3002\u96c7\u7528\u7b26\u5408\u8cc7\u683c\u898f\u5b9a\u7684\u5168\u8077\u54e1\u5de5\uff0c\u8a08\u5283\u5c31\u4e0d\u518d\u662f\u300csolo\u300d\u2014\u2014\u6703\u89f8\u767c\u66f4\u5ee3\u6cdb\u7684 ERISA \u7fa9\u52d9\uff0c\u9019\u5e38\u4ee4\u8a31\u591a\u4eba\u63aa\u624b\u4e0d\u53ca\u3002\u7981\u6b62\u4ea4\u6613\u53ef\u80fd\u6bc0\u6389\u7a05\u52d9\u8cc7\u683c\uff0c\u4f46\u7576\u4f01\u696d\u8207\u8a08\u5283\u4f4d\u65bc\u540c\u4e00\u5c4b\u7c37\u4e0b\u6642\uff0c\u5f88\u5bb9\u6613\u8aa4\u89f8\u3002\u5238\u5546\u8a66\u5716\u900f\u904e\u6346\u7d81\u8a08\u5283\u6587\u4ef6\u3001\u4fdd\u7ba1\u5e33\u6236\u8207\u5e74\u5ea6\u63d0\u9192\u4f86\u6e1b\u5c11\u6469\u64e6\u3002\u4f46\u4ed6\u5011\u4e5f\u9762\u81e8\u5e38\u898b\u7684\u5229\u76ca\u885d\u7a81\u554f\u984c\uff1a\u5ba2\u6236\u73fe\u91d1\u6709\u591a\u5c11\u843d\u5728\u5167\u90e8\u6383\u6236\u5de5\u5177\u4e2d\uff0c\u800c\u975e\u6536\u76ca\u66f4\u9ad8\u7684\u8ca8\u5e63\u57fa\u91d1\uff1f\u90a3\u5229\u5dee\u5f88\u91cd\u8981\u3002\u9867\u554f\u8868\u793a\uff0c\u8a31\u591a\u81ea\u96c7\u5ba2\u6236\u60f3\u8981 Roth \u9078\u9805\uff0c\u4ee5\u53ca\u5728\u6c7a\u5b9a\u80a1\u7968\u914d\u7f6e\u524d\u80fd\u628a\u73fe\u91d1\u4e7e\u6de8\u5730\u505c\u653e\u5728\u570b\u5eab\u57fa\u91d1\u7684\u8def\u5f91\u3002\u80fd\u5c07\u90a3\u689d\u8def\u5f91\u505a\u5f97\u900f\u660e\u4e14\u4fbf\u5b9c\u7684\u516c\u53f8\u5c07\u8d0f\u5f97\u5e02\u4f54\uff1b\u505a\u4e0d\u5230\u7684\u6703\u62db\u81f4\u76e3\u7ba1\u95dc\u6ce8\u8207\u5ba2\u6236\u6d41\u5931\u3002<\/p>\n

\u52dd\u8005\u3001\u8cc7\u91d1\u6d41\u5411\uff0c\u4ee5\u53ca\u5982\u4f55\u53cd\u6620\u5728\u76c8\u9918\u4e0a<\/h3>\n

\u9019\u80a1\u8da8\u52e2\u61c9\u8a72\u6703\u5728\u96f6\u552e\u9000\u4f11\u8cc7\u91d1\u6d41\u5165\u3001\u73fe\u91d1\u9918\u984d\u8207\u4ea4\u6613\u6d3b\u52d5\u8a55\u8ad6\u4e2d\u986f\u73fe\uff0c\u7576\u5238\u5546\u516c\u5e03\u696d\u7e3e\u6642\u53ef\u89c0\u5bdf\u3002\u95dc\u6ce8 Schwab \u7684\u5ba2\u6236\u73fe\u91d1\u69cb\u6210\u3001Morgan Stanley \u7684\u81ea\u6211\u5c0e\u5411\u6de8\u65b0\u589e\u8cc7\u7522\u3001Bank of America \u7684 Merrill Edge \u6d41\u5411\uff0c\u4ee5\u53ca JPMorgan \u7684\u6d88\u8cbb\u8005\u66a8\u793e\u5340\u9280\u884c\u62ab\u9732\u4e2d\u7684\u9000\u4f11\u5e33\u6236\u6210\u9577\u3002BlackRock (BLK) \u6703\u9593\u63a5\u53d7\u76ca\uff0c\u56e0\u70ba Solo 401k \u73fe\u91d1\u6d41\u5165 iShares ETF \u8207\u77ed\u671f\u50b5\u5238\u57fa\u91d1\uff0c\u9019\u4e00\u6a21\u5f0f\u5df2\u91cd\u5851\u56fa\u5b9a\u6536\u76ca\u8cc7\u91d1\u6d41\u3002\u5c0d\u4fdd\u7ba1\u6a5f\u69cb\u800c\u8a00\uff0cSolo 401k \u5177\u6709\u9ecf\u6027\uff1a\u5373\u4fbf\u5728\u52d5\u76ea\u5e02\u5834\uff0c\u5ba2\u6236\u5f80\u5f80\u4ecd\u5c07\u8cc7\u7522\u505c\u653e\uff0c\u4e14\u4f9b\u6b3e\u884c\u70ba\u570d\u7e5e\u7a05\u52d9\u91cc\u7a0b\u7891\u800c\u975e\u5e02\u5834\u6642\u6a5f\u3002\u9019\u5e73\u6ed1\u4e86\u6536\u76ca\u4e26\u4f7f\u6307\u5f15\u66f4\u6613\u9054\u6210\u3002\u82e5\u5e73\u53f0\u80fd\u96a8\u6642\u9593\u5c07\u9019\u4e9b\u8cc7\u91d1\u7684\u4e00\u90e8\u5206\u8f49\u6210\u53d7\u7ba1\u89e3\u6c7a\u65b9\u6848\uff0c\u5229\u6f64\u7387\u6703\u518d\u5ea6\u6539\u5584\u3002\u958b\u653e\u7684\u554f\u984c\u662f\uff0c\u8f03\u5c0f\u7684\u91d1\u878d\u79d1\u6280\u7ba1\u7406\u8005\u2014\u2014\u5176 onboarding \u66f4\u5feb\u4e14\u5167\u5bb9\u66f4\u7cbe\u6e96\u2014\u2014\u662f\u5426\u80fd\u5f9e\u5bb6\u55bb\u6236\u66c9\u7684\u540d\u5b57\u624b\u4e2d\u64ac\u8d70\u4fdd\u7ba1\u6b0a\u3002<\/p>\n

\u5229\u7387\u3001\u7a05\u5236\u8207 2026 \u5e74\u7684\u4e0d\u78ba\u5b9a\u56e0\u7d20<\/h3>\n

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