最近详细研究了一下美国各种退休金计划，每种退休金都各有不同。本文通过详细介绍美国普通职员的退休金计划，将工资合理规划到不同的退休金中去，进化实现长期投资回报最大化。

退休金计划的简单介绍和差别

美国退休金计划主要有以下几个：401k, Traditional IRA, Roth IRA。（我将 Roth 401k 归到 401k 中，因为 Roth 401k 和 Roth IRA 差别不是很大。）

IRA 是 Individual Retirement Account，独立退休账户的缩写。

深入认识

401K (企业退休金计划)

1981 年创立的一种延后课税退休金计划，相关规定在国税法中第 401 条款中，因此简称 401K。401K 适用于私营公司雇员，是由雇主、雇员共同出资一定金额的企业补充养老保险制度，已成为美国私人公司最主要的员工退休计划。

你是否曾疑惑过为何美国退休老年人生活似乎都很无忧无虑？怎么没工作还能吃喝玩乐样样来？其实这都跟美国健全的退休养老金制度相关！美国养老保险制度至今已有 200 多年历史，其中最普遍的就是 401K 与 IRA，但到底两者间的特色、差异、好处为何？又该如何选择呢？

As we all experienced first-hand, last year was the most challenging in Tesla’s history. However, thanks to your efforts, 2018 was also the most successful year in Tesla’s history: we delivered almost as many cars as we did in all of 2017 in the last quarter alone and nearly as many cars last year as we did in all the prior years of Tesla’s existence combined! Model 3 also became the best-selling premium vehicle of 2018 in the US. This is truly remarkable and something that few thought possible just a short time ago.

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