2025年的退休变化提高了缴款限额,扩大了罗斯的准入范围,并简化了结转期。 2025 retirement changes raise contribution limits, expand Roth access, and simplify rollovers.

根据2025年新增的401 (k) 和IRA规则,增加了缴费额度,增加了50岁以上工人的补贴,并增加了对Roth选择的机会. New 401(k) and IRA rules in 2025 introduce higher contribution limits, expanded catch-up contributions for workers over 50, and increased access to Roth options. 雇主现在可以提供自动入学,而违约缴款率较高。 Employers may now offer automatic enrollment with higher default contribution rates. 退休账户之间的结转已简化,某些账户规定的最低分配额被推迟。 Rollovers between retirement accounts have been simplified, and required minimum distributions have been delayed for certain accounts. 这些变化旨在增加退休储蓄和提高即将退休的美国人的灵活性。 These changes aim to boost retirement savings and improve flexibility for Americans nearing retirement.