2007年401K贡献界限
An important aspect of investing is to always be aware of what amount you are allowed to contribute to your 401k account each year.一个重要方面的投资是要始终知道多少你可以有助于您的401k帐户每年。 401k contribution limits change each year and there are two different 401k contribution limits you need to be aware of. 401k限制变化的贡献，每年有两种不同的贡献401k限制你必须知道。 The United States government sets the maximum limit allowable and your employer may also set their own 401k limits for their employees.美国政府规定的最高限额，并允许你的雇主也可以设定自己的401k限制其雇员。
In the last couple of years, the US Government has begun to understand the importance of saving for retirement and they realize that the 401k investment plan may be the best retirement vehicle for most wage earners in America.在过去的几年里，美国政府已经开始理解的重要性，为退休储蓄，他们认识到401k的投资计划可能是最好的退休车辆大部分工薪阶层在美国。 In recent years, the government has started to increase the limits to help individuals save for retirement.近年来，政府已开始提高限额，以帮助个人储蓄退休。 Realizing that social security may not be a viable option in the future, the government and companies are encouraging workers to save for their retirements by making 401k contributions.认识到社会保障的可能不是一个可行的选择在未来，政府和公司都鼓励员工以节省他们的退休，使401k的贡献。
Government Imposed 401k Contribution Limits versus Employer Imposed 401k Contribution Limits 政府实施限制401k的贡献与雇主施加限制401k贡献
The US government puts out a list showcasing the maximum amount you can contribute to your 401k plan for that year.美国政府提出的名单展示了最高金额可以有助于您的401k计划的这一年。 Employers may also set a maximum limit of what is allowed for their employees.雇主还可以设定一个最高限额是什么让他们的员工。 For example, your employer might limit 401k contributions to a maximum limit of 10% of an employee's salary.例如，您的雇主可能会限制401k捐款的最高限额为10 ％的雇员的薪水。 That means that an employee that earns $50,000 a year can effectively max their contribution out at $5,000.这意味着，一名雇员的年薪$ 50000一年最多可以有效的贡献于5000美元。 However an employee who earns $200,000 a year would not be eligible to max out at 10% ($20,000) because the 2007 401k contribution limit imposed by the government is $15,500.然而谁的雇员年薪$ 200000每年将没有资格在最高10 ％ （ $ 20000 ） ，因为2007年的401k限制的贡献，政府是一五五○○美元。
Retirement investors should first consider what amount of 401k contributions is allowed by their employer and then compare that with the amount allowed by the US government.退休投资者应首先考虑多少401k捐款允许他们的雇主，然后进行比较，在允许的数额由美国政府。
Catch-up Contributions 赶上的捐款
If you are 50 years of age or older, you may want to check with your employer to see if they offer "catch-up" contributions in your 401k plan.如果您是50岁或以上，您可能要检查你的雇主，看看他们是否提供“补课”的捐款在您的401k计划。 If they do, this will allow you to contribute up to the maximum your employer's plan allows as long as this amount does not exceed the limits that have been imposed by the government.如果他们这样做，这将允许您贡献的最高你的雇主的计划允许，只要这一数额不超过限额已经实行的政府。
Below are the maximum 401k contribution limits as well as the maximum Catch-up Contribution limits for 2006, 2007, and 2008.下面是贡献最大的401k的限制，以及最高追赶贡献限额2006年， 2007年和2008年。
2006 401k Contribution Limit: $15,000 2006年401k贡献上限： 15,000美元
2006 Catch-Up Contribution Limit (only for those over 50 years old): $5,000 2006年赶上贡献极限（仅适用于那些50岁以上） ： $ 5000
2007 401k Contribution Limit: $15,500 2007年401k贡献极限： 15 500美元
2007 Catch-Up Contribution Limit (only for those over 50 years old): $5,000 2007年赶上贡献极限（仅适用于那些50岁以上） ： $ 5000
2008 401k Contribution Limit: $16,000 2008年401k贡献上限： 16,000美元
2007 Catch-Up Contribution Limit (only for those over 50 years old): $5,000 2007年赶上贡献极限（仅适用于那些50岁以上） ： $ 5000
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