2023年1月1日•7分钟
Whether you’re looking to retire in the next ten years or several decades from now, there’s steps you can take today to stay 正轨 – or get 正轨. 当然, 没有放之四海而皆准的退休计划, but this guide does break down some specific strategies for X一代 – those Americans born between 1965 and 1979.
根据Investopedia 2020年的报告, Social Security benefits will cover less than half of the average American’s 退休需求, so having retirement strategies in place is essential. But a 2019 survey by Money magazine found that only half of Gen-Xers had a retirement account, and just 36% reported contributing to one regularly.
不管你是否准备好了, and whether you’re one year or a decade away from retiring, there’s tax-advantaged retirement planning products available to you.
首先, 充分利用雇主提供的401(k)计划 或其他退休计划. Often, employers will match a portion of what you deposit.
Second, consider opening an IRA if you haven’t already. 如果你有的话, make sure you’re making the maximum annual contributions – which is $6,对于大多数工作的成年人来说是500美元.
第三,考虑开一个 健康储蓄帐户(HSA) 如果你有高免赔额保险计划. An HSA can provide tax-free funds to cover healthcare during your retirement – so check with your HR department and/or tax advisor to learn more. 顺便说一下,帕特尔科提供HSAs. 打电话给我们了解更多关于设置一个.
Finally, make sure your existing investments are invested with tax efficiency in mind. Talk to your tax advisor to make sure you’re in the account that’s right for you. 此外,与a交谈 中心持牌财务顾问* for more ways to invest efficiently and help boost your after-tax returns.
IRAs can benefit pretty much everyone – no matter your age or how much you’ve saved so far.
传统ira
A Traditional IRA is a special savings account that you set up for retirement at a financial institution like Patelco or at an investment brokerage. You can choose a variety of investments for your Traditional IRA, 包括股票, bonds, ETFs, 股票和现金储蓄. 和所有ira一样, 传统ira are governed by specific regulations and tax laws, so it’s a bit different than a typical savings account.
在你建立了你的传统个人退休账户之后, 你可以做出贡献, 最高6美元,每年500英镑(7美元),50岁以上则为500美元). The cutoff date for contributions aligns with tax deadlines, so you have until tax day to make contributions for the previous year. 当你向传统的个人退休账户缴款时, the amount of your contribution may reduce your taxable income for the year – check with your investment advisor or tax advisor to see if you qualify.
你可以贡献税前或税后的钱, giving you immediate tax benefits if your contributions are tax-deductible. The contributions you make to a Traditional IRA account will then grow tax-deferred, meaning that you are only taxed on your earnings once you withdraw. You’ll pay ordinary income tax on these withdrawals.
Roth ira
A Roth IRA is similar to a Traditional IRA, but with different tax advantages. Only after-tax dollars may be contributed to a Roth IRA account. On the upside, once you withdraw from a Roth IRA during retirement, you can do so tax-free. Whatever interest and capital gains you earn in a Roth IRA also grow tax-free. The total you can contribute to all your IRA accounts – whether traditional or Roth – is $6,500.
It can be hard to know if you’re prepared for something that won’t happen for another ten, 二十, 甚至30年. 作为帕特尔科会员,你可以 CFS财务顾问 在你 当地的Patelco分公司. They can help you with a checkup so you can see where you stand. You can schedule a complimentary consultation in person, over the phone or video conference.
所以你从40岁开始你的退休储蓄…
如果你还没有步入退休的轨道, you’re not alone – according to a 2018 study by Fidelity, 至少有一半的美国人落后了. If that’s you, you can save more and make investment decisions with growth in mind. But your most impactful action would be delaying retirement. 这样你可以多存几年的钱, and gives your savings more years for growth before you begin using it for 费用 during retirement.
你是否选择推迟退休, you should consider saving 16% or more of your annual income if you know you’re behind.
你已经开始存钱了,但还没有完全步入正轨
如果你还没步入退休的轨道, consider boosting your retirement savings – even as little as a 1% increase can have a major impact on your financial wellness during retirement. An ideal amount would be at least 15% or more of your annual income. You may have an employer that provides 401(k) matching, so be sure to take full advantage of that. 为了增加退休保障, you could also plan to work an extra year or two beyond your planned retirement age.
恭喜! 你的退休储蓄步入正轨
If you’re 正轨 for retirement, that’s great news. You can still take advantage of the tax-maximizing strategies mentioned at the beginning of this article.
Although we have some general tax-related information above, 我们不是你的税务顾问, 你的个人纳税情况也是独一无二的. Please consult your tax advisor before making any tax-related decisions.
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