401(k)

401(k) — 名詞

1. A workplace retirement savings arrangement in the United States where an employe

1.名詞B2
釋義

僱主退休儲蓄

美國僱主提供的稅前退休儲蓄與投資計劃

A workplace retirement savings arrangement in the United States where an employee puts aside money from each paycheck before income tax is taken out, often with the employer adding extra funds, and where the combined savings grow through investments until the person retires and takes the money out.

例句

Hana set aside six percent of each paycheck into her 401(k).

Hana 將每份薪水的百分之六存入她的 401(k)。

contribute + into + 401(k)

Kwame's employer matches 401(k) contributions dollar for dollar up to five percent.

Kwame 的僱主對 401(k) 供款提供最高百分之五的等額配對。

employer + matches + 401(k) contributions

同義詞
  • IRA

    An individual retirement account you open yourself, not tied to an employer

  • Roth IRA

    A type of individual retirement account funded with after-tax money, so withdrawals in retirement are tax-free

  • 403(b)

    A similar retirement plan but for employees of public schools and certain non-profit organisations

文法句型

contribute to a 401(k)

enroll in a 401(k)

401(k) + plan

401(k) + account

用法筆記

Specific to the United States. The name comes from section 401(k) of the Internal Revenue Code. Similar workplace retirement plans in other countries go by different names — for example, RRSP in Canada or superannuation in Australia.

常見錯誤

❌I receive a 401(k) from the government after I retired.
✅I built up savings in my 401(k) while I was working, and now I draw from it.
💡A 401(k) is funded by you and your employer during your working years; it is not a government pension paid after retirement.