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401(k)和个人退休帐户的小贴士

12-28-2020Retirement

Do you have an employer 401(k) plan or other retirement plan assets? Should you consolidate accounts? Here are some ideas and recommendations to consider.

Benefits of Company 401(k) plans

  • 如果你把你的钱留在公司的401(k)计划中,而不是滚到个人退休账户中)是没有要求的最低分配(rmd),如果帐户所有者仍在工作.  一般来说,账户持有人必须在72岁时开始从他们的退休账户中提取. 72岁时的rmd只适用于传统的个人退休账户,而不适用于罗斯个人退休账户.
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CARES Act Retirement Plan Relief Provisions

04-24-2020Retirement

The Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law on March 27, 2020.

For those seeking access to their retirement funds, 其中包括与冠状病毒相关的分发和贷款的特别条款. For those seeking to preserve their retirement funds, 从退休基金中暂停发放某些规定的最低数额.

Coronavirus-related distributions

10%的罚款一般适用于59岁半之前的雇主退休计划或个人退休账户(IRA)的分配,除非有例外情况. Due to the coronavirus pandemic, the penalty tax will not apply to up to $100,2020年期间,每一个人将收到1万份与冠状病毒相关的分布. Additionally, 出于税收目的,冠状病毒相关分配产生的收入将在三年期间进行分摊,除非个人另有选择. 冠状病毒相关的分发也可以在收到分发后的三年内返还给合格的退休计划.

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How much is enough (to retire)? 

09-24-2018Retirement

Fidelity Investments, the nation’s largest retirement plan provider, 最近发布了一些有关其客户为退休储蓄的统计数据. 富达401(k)账户余额超过100万美元的账户数量最近有所减少 a record of 168,000, up 41% from last year.

让你知道你的退休储蓄与同龄人相比有多高, check out the average 401(k) balances in Fidelity accounts, as of the second quarter of 2018, broken down by age.

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When do I start drawing Social Security?

09-01-2018Retirement

Many Americans work with dreams of a comfortable retirement. We pay 6.我们工资的2%进入社会保障体系,我们的雇主还提供另外的6%.2%. So when do we start reaping our rewards?

You can start receiving retirement benefits on your 62nd birthday. However, every year you delay your Social Security benefit payment, you will get an 8% increase in benefits up until age 70.

有一些问题你需要问你自己和你的财务和税务顾问. 有很好的论据支持早收,也有很好的论据支持等到70岁.

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Social Security and Retirement changes announced for 2018

10-24-2017Retirement

社会保障局(SSA)上周宣布,工资的最高限额为6.2%的社会保障税将从2017年的12.72万美元提高到2018年的12.87万美元. 社保局还宣布,2018年社会保障受益人的福利将增加2%. The average retiree will receive an increase of $27 a month.

  2017 2018
Social Security Wage Maximum $127,200 $128,700
Maximum Social Security tax $7,886.40 $7,979.40
     
401(k) elective deferral $18,000 $18,500
401(k) catch up $6,000 $6,000
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How To Avoid The 10% Penalty On IRA Distributions

12-07-2015Retirement

如果你从退休账户(IRA, 401(k), 403(b)等)中取出钱.在达到59岁半之前,你通常必须为取款支付所得税 plus an additional 10% early withdrawal tax unless an exception applies.

If they apply, 如果你不得不提前动用你的退休账户,这些例外可能会为你节省10%的罚金.

  1. Death or Disability- If someone in your family becomes permanently disabled, your retirement may be the last place that you want to draw funds.  如果你的家庭发生残疾或死亡,你可以选择从你的IRA中免费获得钱.
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Retirement Plan Changes for 2016

11-21-2015Retirement

以下是2016年退休福利将发生的一些重要变化.

IRA and 401(k) Limits – 2016年个人退休帐户(传统的税前或税后个人退休帐户)的缴款限额增加到18美元,000 with a $6,000 catch-up contribution for individuals aged 50 and over.

Saver’s credit.  The adjusted gross income (AGI) limit increases to $30,750 for individuals and to $61,500 for married couples. 这种税收抵免适用于为退休储蓄的低收入和中等收入家庭.  It can be worth 10%-50% of your retirement contribution up to $2,000 for individuals and $4,000 for couples. 

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A little savings today will set you apart from others in retirement

05-29-2015Retirement

Yesterday, 美联储2014年的家庭经济和决策调查发现,许多美国人没有为退休做好财务准备.

  • 38%的人要么不打算退休,要么打算尽可能长时间地工作.
  • 31% of non-retirees have no retirement savings or pension, including nearly a quarter of those older than 45
  • 55% of those making less than $40,他们计划尽可能长时间地工作,或者永远不打算退休
  • 53%的人可以在不卖东西或借钱的情况下支付400美元的假想紧急费用.
  • 31%的人在过去一年中没有接受某种形式的医疗保健,因为他们负担不起
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How much of my nest egg should I take out in retirement?

04-24-2015Retirement

理财顾问对退休人员的一般经验法则是,每年提取账户余额的4%,这样就不会花光你的钱.

However, interest rates have been at historic lows the last nine years, 因此,如果保守的投资者希望使用4%的提现率,他们可能需要积累更多的资金.

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7 habits of highly effective retirement savers

04-03-2015Retirement

As a Steven Covey advocate, 汤姆·安德森周一在CNBC网站上发表的个人理财文章引起了我的兴趣——高效退休储蓄者的7个习惯. You can read the entire article at www.cnbc.com/id/102545493 but here are your keys to success:

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