美国的安全2.0法案取消了罗思401k (Roth 401k) 的RMD,允许免税增长. SECURE 2.0 Act eliminates RMDs for Roth 401(k)s, allowing tax-free growth.

根据SECURE 2.0法案的新规定, 消除了罗思401 (k) 账户所需的最低分发额, 使储蓄无限期免税增长. New rules from the SECURE 2.0 Act eliminate required minimum distributions for Roth 401(k) accounts, allowing savings to grow tax-free indefinitely. 这种变化使得罗斯计划对高收入者更有吸引力,他们必须从2026年开始使用这些计划来补充缴费. This change makes Roth plans more attractive for high earners, who must use them for catch-up contributions starting in 2026. 虽然捐款是用税后的钱进行,但如果未来增税率提高,免税提现可能会有好处. While contributions are made with after-tax dollars, tax-free withdrawals can be beneficial if tax rates rise in the future.