退休储蓄方式之一是使用外汇 IRA 账户

forex brokers with IRA accounts美国有完善的退休储蓄制度,只要将退休金存入 IRA 账户,就可以获得一定的税收优惠。IRA 表示“个人退休账户”,是一种个人退休储蓄账户,并且是向美国外汇交易者提供的众多账户选项之一。IRA 让投资者有机会避免对交易收入征税,节约其退休金。
IRA 有许多不同的规则和要求,对于采用 IRA 账户的外汇经纪商是否是您的正确选择,建议您最好咨询信誉良好的税务顾问。该等规则和法规由 IRS 和美国财政部制定并推行,会让人稍感困惑。我们在此向您提供一些有关该等账户的最相关事实,但是,我们无法就最佳行动方案为您提供建议。这是因为每个人的情况不同。

各类外汇 IRA 账户

基本上,有两种不同的外汇 IRA 账户:

  • 自主 IRA 账户 – 此种账户受个人控制,设置在开立账户的投资者与经纪商之间。个人账户持有人控制其想要投资的所有资金。将税前收入存入账户,账户余额累积,免缴税款,直到退休时提取为止。届时要支付任何利润税。
  • 罗斯 IRA 账户 – 罗斯 IRA 账户可以通过经纪商、共同基金或银行开立。将税后收入存入账户。IRA 中的余额累积,免缴税款,但是,在达到退休年龄提取款项时,不支付税款。预计将达到较高税率级别的投资者,退休时更偏好使用罗斯 IRA 账户。

IRA 的运作方式与管理者

IRA 账户在美国非常受欢迎,经常通过雇主或投资顾问办理。然而,许多投资者不了解 IRA 如何运作。因此,我们为大家简要概述下。

  • IRA 保管人负责管理所有 IRA 账户
  • 维护 IRA 是 IRA 保管人公司的责任。IRA 保管人公司的责任还包括处理入金和缴款,以及执行投资决策。
  • 与报告要求相关的所有资料由 IRA 保管人公司处理。

IRA 预期用于退休储蓄,顾问通常建议采用一种保守方法。然而,投资者可以将 IRA 用于任何投资,但是 IRA 保管人必须愿意在您选择的市场上开立账户。还值得一提的是,大多数 IRA 保管人仅与在 CFTC 注册的经纪公司合作。这些保管人倾向于与过去合作过的外汇保管人合作。

采用 IRA 账户所涉及的费用

在得知采用 IRA 账户会收取费用时,您可能会或不会感到惊讶。如果您的 IRA 曾经仅用于投资共同基金,您可能没有注意到费用,但尽管如此,费用已被支付。保管人会对您的投资收取一种“佣金”,通常作为年费,而非投资百分比。也会收取其他费用,比如开立交易账户的费用,以及其他一次性费用。

如何向外汇经纪商开立 IRA 账户

每一个 IRA 保管人都其各自的账户开立程序,我们仅介绍大致流程,以便您有所了解。第一步是选择 IRA 保管人,保管人负责处理资料和保存 IRA 记录。接着是选择采用 IRA 账户的外汇经纪商,而该经纪商必须是 IRA 保管人支持的经纪商。保管人收到投资者向经纪商开立交易账户的申请后,将其印章或资料添加到申请文件中。然后,必须将资金转入交易账户。
很遗憾,此过程可能相当漫长,甚至耗时数月。这完全取决于人员情况。
topratedforexbrokers.com,我们的目标是尽可能为您提供与外汇交易行业相关的基本信息。我们还将向您推荐一些主要的外汇经纪商,以及一些有用点评。通过阅读这些内容,您将能够做出对您而言最适合的明智选择。

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