Planning for retirement is difficult, especially when you don’t know how much you’ll actually need. In the United States, the average retirement age is 62, and the average amount you’ll need to retire comfortably is $1.26 million, according to a Northwestern Mutual 2025 study. Keeping in mind that this age and amount will vary depending on each person’s situation, it’s hard for someone who is currently 37 to predict how much they’ll need to save to retire in 2050. To get an idea of what the future of retir ...

Wavebreakmedia/Envato Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. You’ve hit your late 50s, you’ve got a nice cushion in your 401(k) and suddenly you find yourself wondering if that cushion will provide you with enough comfort to retire today. The promising news is that yes, you may be able to retire today at 58 years old with $970,000 in your 401(k). But you’ve got enough life experience now to know there’s always a bit more nuance than that. Mu ...

“I don’t plan on taking Social Security until 70 and I will have one other small pension.” (Photo subject is a model.) - Getty Images/iStockphoto Dear Quentin, I’m 66 but I didn’t buy a house until later in life at 52. I refinanced a year later to 3.37% (30-year fixed) and have $250,000 left on the loan of $330,000. The house is worth $750,000. I have no other debt. I’m still working, collecting one pension already and have not touched retirement savings of $770,000 (IRA, 401(k) and Roth). I don’t pla ...

Listen and subscribe to Decoding Retirement on Apple Podcasts, Spotify, or wherever you find your favorite podcasts. It’s the question nearly everyone asks: How much money do I need to retire? There are plenty of benchmarks. Fidelity, for instance, says you should save 10 times your salary by age 67, while T. Rowe Price recommends 7.5 to 13.5 times your income. But Jean Chatzky, host of the HerMoney podcast, said those rules only scratch the surface. “You and I can throw out rules of thumb until we are ...

Simply answer a few quick questions about yourself and your finances, and Advisor.com will match you with a financial professional who can offer advice for your unique financial situation. From here, you can schedule an initial consultation for free with no obligation to hire.If you find yourself facing a layoff, or are worried about being fired before retirement, you could consider working with a financial advisor to plan a budget for your new situation. Ensure that you can draw down your savings at a rate ...

退休规划复杂性 - 更少退休人员可依赖养老金 需从其他来源寻找退休收入并管理税务问题[1] - 需处理不同账户提款 要求最低提款时间确定及退休组合资产配置等复杂问题[1] 年度提款率决策 - 4%起始提款率经通胀调整后常被视为安全系统 但2021年研究显示平衡组合的30年安全提款率为3.3%[2] - 2024年末安全提款率升至3.7% 且退休人员实际支出每年并不保持相同通胀调整金额[2] - 应根据时间跨度调整提款率 预期支出期限较长的年轻退休者应比较年长者采取更低提款率[2] 提款策略优化 - 保持提款灵活性特别在组合价值下跌时减少提款量[3] - 最大化非组合收入来源包括社会保障金 养老金 年金和租金收入等[3] 长期护理成本保障 - 2025年长期护理年费用达111,325美元 较上年增长7%[3] - 医疗保险通常不覆盖此类护理费用 仅承保合格住院后的康复治疗[3] - 65岁人群需要付费长期护理的概率约为50% 类似重大风险事件发生几率[4] 长期护理保险适用性 - 二十年前购买长期护理保险是中产及中高收入人群的标准方案[5] - 高净值人群可自行承担费用 低收入群体则需依赖医疗补助计划的长期护理保障[5]

The vast majority of employers who offer retirement plans specifically offer 401(k) plans. Though increasingly popular, 401(k)s are not terribly easy to understand, let alone navigate. In fact, a poll last year found that nearly two-fifths of Americans don’t even know what a 401(k) plan is. Find Out: I Asked ChatGPT When I Could Retire — I Couldn’t Believe the Answer For You: How Far $750K Plus Social Security Goes in Retirement in Every US Region How do you explain in simple, digestible terms what a 401( ...

It seems the 4% rule is now the 4.7% rule. Three decades after financial planner William Bengen came up with a simple yet elegant solution to help clients balance their retirement spending, the creator of the 4% rule has updated this widely suggested practice for modern times. Must Read “The primary reason for the change is that my research has gotten more sophisticated,” he told USA Today [1] in an article published Sept. 1. Bengen was originally looking for a way to explain how much a person could sp ...

RMD规则 - 美国国税局要求IRA和401(k)等延税退休账户持有者在73岁时开始提取RMD 最低提取金额基于账户余额和预期寿命[3] - SECURE 2.0法案将RMD起始年龄从72岁推迟至73岁(2022年12月31日后年满72岁人群适用) 2032年后将进一步推迟至75岁[4] - RMD提取额将计入当年应税收入 可能使纳税人进入更高税级 未按规定提取将面临高额财务处罚[4] 罗斯转换策略 - 将传统IRA中15万美元/年转换为罗斯IRA可规避RMD规则 62岁持有人拥有150万美元传统IRA账户时适用此方案[1] - 转换需立即缴纳所得税 但可实现终身整体税负降低并提升税务可预测性 转换后资金不受RMD规则约束[2][7] - 分阶段转换策略优于一次性大额转换 过度快速转换可能导致近期税负不必要的增加[9] 税务影响分析 - 传统IRA账户资金在提取时需缴税 而罗斯IRA账户提取时免税 但转换过程中需对全部转换资金缴纳所得税[8] - RMD强制提取可能增加退休期税负 即使纳税人无需该笔资金支付生活开支[1] - 通过专业财务顾问可获取个性化退休规划策略 包括RMD金额计算和规避方案定制[2][5]

For many Americans, retirement isn’t just about getting by — it’s about living comfortably and maintaining a middle-class lifestyle. Earning $12,000 a month ($144,000 a year) in passive income, for instance, could make that possible, covering everyday expenses while still allowing for travel, dining out, and other luxuries. But reaching that level of income in retirement requires more than just a large nest egg. Your savings must also be resilient enough to handle inflation, market swings, and the risk ...