在求职过渡中保护你的退休【外文翻译】

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1、外文文献翻译译文一、外文原文原文：ProtectingyourretirementduringajobtransitionAuthors:Fey,W.DavidIfyouaregoingthroughajobtransition—particularlyifthetransitionisunplannedandunexpected—itmightbetemptingtofocusonyourimmediateneedsbutyoushouldnotlosesightoflong-termgoals,especiallyyourretirementst

2、rategy.Youremployer-sponsoredretirementplanislikelyakeycomponentofyourretirementstrategy.Duringajobtransition,youwillusuallyhavethreeoptions:takealumpsumdistribution,leaveyourassetsintheemployer-sponsoredplanormoveyourassetsintoarolloverIRA.Takingadirect,lumpsumdistributionprov

3、idesyouprovidesyouwithimmediateaccesstoyourmoney.Dependingonyourshort-termneeds,thatmayappeartobeanattractivealternativebutitwilllikelyresultinsubstantialfederalandstateincometaxesanda10percentpenaltytaxtotheIRS.whichcansignificantlyreducetheamountofthedistribution.Becauseyoure

4、ceivethedistributiondirectly,theplanadministratormustwithholdupto20percentofthevalueofthedistributionforfederalincometaxpurposes.Moreover,youwilllosethebeneitofthetax-deferredstatusoftheseassets,whichcouldreducetheamountultimatelyavailabletoyouatretirement.Decidingtodonothingan

5、dleavingyourassetsinyourformeremployer’splanwillprotectthetax-deferredstatusofyourassetsandallowyoutotransfertheaccountassetsatalatertimetoanewemployer’sretirementplanthatacceptsrollovers.Butyoumaybelimitingyourinvestmentchoicesandcontrolbecauseemployerplanstypicallyhavearestri

6、ctedinvestmentmenu.EstablishingarolloverIRAsimultaneouslyaddressestheissuesoftaxation,ledibilityandcontrol,andmayholdsignificantbenefitsforyouasaresult:Ifyourdistributionistransferreddirectlytoacustodian,ratherthantoyou,therolloverIRAeliminatesthewithholdingrequirementandpenalt

7、iesthatmayresultfromalumpsumdistribution.theentirerolloveramountcanbeinvestedimmediately,accordingtothestrategyyouspecify.Yourassetsandanyearningscontinuetohavethepotentialtogrowtax-deferreduntilyouretireandbegintakingwithdrawals.Youmaygainaccesstoawiderrangeofinvestmentoptions

8、andmoreretirementplanninganddistributionflexibility.Fo