401k 是一项工作场所储蓄计划,允许雇员在扣除税款之前投资一部分收入,但只有大约一半的美国工人能够获得这一计划。 到退休为止,基金可以免税增长,但退休后提取的基金须缴纳定期所得税。 在一定程度上,绝大多数企业都会与雇员的贡献相匹配,从而提高雇员的储蓄率。

爱尔兰共和军?

即使你的公司没有提供401(k),你仍然可以通过IRA(个人退休帐户(或安排))为退休存钱。

爱尔兰共和军有两种主要形式:传统爱尔兰共和军,几乎完全类似于401(k),即从提款中扣除税款; 罗斯爱尔兰共和军,即预先征税,但在退休时允许免税提款。

为什么我需要401k或IRA?

快速的回答是,如果你希望停止工作,你仍然需要财政支持。 长篇大论的答案是,提前储蓄可能会给退休带来六位数的影响,因为储蓄越早,你的钱就越需要增长。 复利奇观使这成为可能。

究竟什么是雇主配对?

这是你的雇主给你的401(k)捐款。 因为基本上等于免费,所以很多人这样称呼它:例如,如果你将工资的3%捐给了你的401(k),你的雇主就会与之相匹配。

然而,在某个地方存钱是至关重要的,理想的情况是存钱的地方不是货币市场基金的地方存钱。 如果你宁愿在罗斯IRA里存钱,那就去吧,因为你认为你目前的税率比退休时低。 如果你喜欢从你的工资中直接存入你的401(k)存款,并且享受你的资产免税增长,那么这也是一个完全可以接受的选择。

同样重要的是要记住,现在很多企业允许罗斯公司为401(k)计划捐款,允许你在退休时为你的就业计划和税后提款做出税前贡献。 如果你预期未来税率会更高,那还是需要思考的。

我需要多少钱才能开始投资一个退休帐户? 这个问题的答案比你想象的要难,因为每个银行顾问的收费表都有些不同。 有些可以让你免费开户,但有些则需要你拥有3000美元来投资指数基金。 下面列出了一些最受欢迎的储蓄选择,以及它们的成本细目。

我该为退休存多少钱?

这个数字比你想听到的还要多,退休人员的医疗费用超过每对20万美元。

然而,这个目标最终会因人而异:退休后你会买房还是租房? 你会经常旅行吗? 你会继续每周放几天吗? 你需要在银行里有多少钱将取决于所有这些因素。

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