新的IRS 401(k)规则限制50岁以上高收入者的追赶缴款,每年超过150K美元。 New IRS 401(k) rules limit catch-up contributions for high earners over 50 making over $150K annually.

根据《SECURE法案2.0》,新的IRS 401(k)规则于2026年生效,限制50岁或以上的高收入收入者缴纳追缴费,他们每年从一个雇主领取150 000美元以上,每年缴款24 500美元以上。 New IRS 401(k) rules under SECURE Act 2.0 take effect in 2026, limiting catch-up contributions for high-income earners aged 50 or older who make over $150,000 annually from one employer and contribute more than $24,500 yearly. 这些变化适用于每个个人,而不是家庭,并且不触发多重工作。 The changes apply per individual, not household, and do not trigger from multiple jobs. 大多数美国人不会因为严格的门槛而受到影响,但金融顾问在帮助一小群人掌握最新规则方面可能会面临更大的工作。 Most Americans won’t be affected due to strict thresholds, but financial advisors may face increased work in helping a small group navigate the updated rules.