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[originaltext]One of the most important questions a worker can ask is: "Will I
[originaltext]One of the most important questions a worker can ask is: "Will I
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2024-03-04
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问题
One of the most important questions a worker can ask is: "Will I have enough money for retirement?" For more than 30 years, Americans have used individual retirement accounts, or IRAs, to increase retirement savings. Today, there are several plans that let workers invest. The plans also offer tax savings.
The Employee Retirement Income Security Act of 1974 provided for the first IRAs. It set roles for retirement plans run by big businesses. Other measures provided for individuals who did not qualify for such plans, called pensions. The first kind of IRA is now called a traditional IRA. A worker can put up to 4,000 dollars of his or her yearly earnings into a special account. Workers over the age of fifty can invest 4,500 dollars. Unlike a pension, the saver controls the account and decides how it is invested. Money put in a traditional IRA is not taxed until it is withdrawn. But, savings cannot be withdrawn before the account holder is 59. 5 years old. If the money is withdrawn before that time, it is taxed like income and there is a 10 percent fine.
At first, IRAs were only for people not covered by pensions at work. But in 1981, everyone could open an IRA. Six years later, Congress banned highly-paid individuals from claiming tax reductions.
When were the first IRAs put into practice?
What is the difference between a traditional IRA and a pension?
选项
A、A worker can invest $ 4,500 into IRA while he can put only $4,000 into the pension.
B、The .saver of IRA can decide the investment of the account.
C、In IRA savings can be withdrawn freely and this is not allowed in pension.
D、Money put in IRAs will be taxed and money in pension is tax-free.
答案
B
解析
本题问“传统的个人退休账户与养老金之间有什么不同?”短文提到,Unlike a pension,the saver controls the account and decides how it is invested. 也就是说,个人退休账户与养老金不同,其账目由存款人控制,由存款人来决定如何投资。据此可以确定[B]“个人退休账户的存最大可以决定帐户的投资”正确。
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