Retirement Read Time: 4 min

Orchestrating Your Retirement Accounts

管弦乐队不过是乐器的集合,每一种乐器都能发出独特的声音. 只有在指挥家的带领下,他们才能演奏出作曲家想象中的美妙音乐.

The same can be said about your retirement strategy.

典型的退休策略是建立在你的401(k)计划的支柱上, your Traditional IRA, and taxable savings. 让你的退休乐器协同工作,有可能帮助你实现你想象的退休.1

Hierarchy of Savings

要使你的退休策略的有效性最大化,首先要理解储蓄的层次结构.

如果你像大多数美国人一样,你可以为退休储蓄的金额不是无限的. Consequently, 你可能想要确保你的存款首先被用于最优先的退休基金. For many, that hierarchy begins with the 401(k), is followed by a Traditional IRA and, after that, put toward taxable savings.

然后你要考虑如何投资这些储蓄池. 一种策略是在所有退休账户中简单地反映出你想要的资产配置.2

另一种方法是把分配中产生收入的部分放进去, such as bonds, into tax-deferred accounts, 当使用应税帐户投资于收益来自资本增值的资产时, like stocks.3

Withdrawal Strategy

当你要靠你的储蓄生活时,你会想要协调你的取款. 一种观点建议,你应该先动用你的应税账户,这样你的递延税储蓄就有更多的时间用于潜在的增长.

另一种观点建议,首先从业绩较差的退休账户中提取分红, since this money is not working as hard for you.

Finally, 因为很多人同时拥有传统和罗斯个人退休账户, 你对未来税率的预期可能会影响你首先从哪个账户取款. (If you think tax rates are going higher, 那么你可能想要在罗斯之前退出传统). If you’re uncertain, 你可能想要考虑从传统的最高税收等级中退出, then withdrawing from the Roth after that.4

In any case, 每个人的情况都是独特的,任何策略都应该反映出你特定的风险承受能力, time horizon, and goals.

1. "Under the SECURE Act, in most circumstances, 你必须开始从你的401(k)计划中提取所需的最低分配, Traditional IRA, or other defined contribution plan in the year you turn 72. Withdrawals from your 401(k), 传统的个人退休账户(IRA)或其他固定缴款计划按普通收入纳税, and if taken before age 59½, may be subject to a 10% federal income tax penalty. 401(k)计划和个人退休账户有例外,可以避免10%的提款罚款, including death and disability. 对传统IRA的贡献可以全部或部分扣除, depending on your individual circumstances.
2. Asset allocation is an approach to help manage investment risk. Asset allocation does not guarantee against investment loss.
3. 债券的市场价值会随着利率的变化而波动. As rates rise, the value of existing bonds typically falls. If an investor sells a bond before maturity, it may be worth more or less than the initial purchase price. 通过持有到期债券,投资者将获得到期利息和原始本金, barring default by the issuer. 寻求更高收益的投资也涉及更高程度的风险. 股票价格的回报和本金价值会随着市场环境的变化而波动. 而股票在出售时,其价值可能高于或低于原价.
4. 罗斯个人退休账户不能由高收入的纳税人缴纳. 有资格免税和免罚款提取收入, 罗斯个人退休账户的分配必须满足5年的持有要求,并且在59岁半以后开始. 在某些其他情况下,也可以免税和免税取款, such as a result of the owner's death. 原来的罗斯个人退休账户所有者不需要每年取最少的钱.

这些内容的来源被认为提供了准确的信息. 本材料中的信息不作为税收或法律咨询. 它不能被用于避免任何联邦税务处罚的目的. 有关您个人情况的具体信息,请咨询法律或税务专业人士. 本材料由FMG Suite开发和制作,旨在提供有关可能感兴趣的主题的信息. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和所提供的材料仅供一般参考, 不应被视为是对任何证券买卖的邀请. Copyright FMG Suite.

Share |

Have A Question About This Topic?

Thank you! Oops!
 

Related Contents

Perception vs. Reality

Perception vs. Reality

对于现在和未来的退休人员来说,人们的认知和现实之间存在着惊人的差异.

5 Benefits of Working in Retirement

5 Benefits of Working in Retirement

Here are 5 reason why you may consider working through retirement.

Investment Strategies for Retirement

Investment Strategies for Retirement

帮助你实现退休目标的投资工具和策略.