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 ...

Aside from a Roth, there are specialized IRAs that you could consider based on specific circumstances and preferences. For instance, billionaire hedge fund manager Ray Dalio favors gold in the current high-inflation environment, calling it a "timeless and universal" investment. Meanwhile, Orman has spoken at length about the importance of putting your money in a tax-advantaged retirement account.While many Americans worry about whether they'll have enough money to survive during retirement, Suze Orman consi ...

I am a 43-year-old divorced father. I have $315,000 in a traditional individual retirement account (IRA), $90,000 in a Roth IRA, $22,000 in a health savings account (HSA), $8,000 in a 529 college savings account, $30,000 in a traditional 401k, $25,000 in U.S i-bonds, $40,000 invested in exchange-traded funds (ETFs) and $20,000 in cash. I max out my employer’s 401(k) and family HSA each year. At age 57, I’d like to stop most of my full-time employment and start rolling over money from my traditional IRA into ...

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 ...

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 ...

退休收入构成分析 - 养老金年收入为19200美元 提供稳定的基础收入来源[3] - 401(k)和储蓄账户总额达830000美元 按4%规则首年可提取33200美元[4] - 养老金与账户提取合计年收入达52400美元 税后约48000美元[4] 社会保障金测算 - 假设62岁退休且最后年薪40000美元时 年社保收入范围未具体披露但使总收入达63740-74216美元[6] - 最后年薪70000美元时 62岁/67岁/70岁领取社保的年收入分别为11340美元/17064美元/21816美元[7] - 社保福利显著提升总收入水平 最高可使年收入增加21816美元[6][7] 综合财务规划 - 未计算社保前 月度可支配收入约4000美元[5] - 总退休收入需结合个人支出水平和社会保障金领取时点综合评估[2] - 建议通过专业财务顾问进行个性化退休规划[2][5]

财务状况 - 当前年收入约35万至40万美元 月支出高达2万美元 包括短期教育费用和子女支持 预计两年内结束教育支出[2] - 净资产约600万美元 其中房产价值130万美元且已付清 低息HELOC贷款19万美元 无其他债务[5] - 金融资产450万美元分布于IRA 货币市场账户和401(k)计划中 另持有40万美元死亡赔付的终身寿险及长期护理计划[5] - 资产组合年化复合增长率达17%-18% 显著高于股市历史平均10%的回报水平[1][13] 退休规划 - 采用4%提取率时 年提取金额为18万美元（月1.5万美元） 较当前月支出存在5000美元缺口[9][10] - 前期高消费模式可能削弱资产复利效应 且老年阶段医疗护理成本可能上升 需保持财务缓冲[11][12] - 建议考虑部分工作或咨询类兼职 实现"迷你退休"模式 在职业间隙安排月度或年度休整期[17][18][19] 辅助收入方案 - 住宅增建单间公寓可产生3000-3500美元月租金收入 但业主对出租持保留态度 倾向用于亲友住宿[4] - 太阳能设施显著降低公用事业成本 房产具备节能优势[4] 社会保障策略 - 最早领取年龄为62岁 但会永久性降低福利金额 全额福利需达到法定退休年龄(FRA)[15] - 延迟领取至70岁可提升月度福利水平 决策需综合考虑健康状况 预期寿命及配偶协调等因素[16] 风险因素 - 当前工作受并购影响将于年底终止 主动退出劳动力市场意愿强烈[6] - 通过婚姻安排维持医疗保险覆盖 直至符合 Medicare 资格 目前健康状况良好[3][8]

投资组合配置 - 投资者持有80万美元货币市场账户资金和90万美元401(k)退休账户资金 均配置于低风险投资品种 [1] - 投资者寻求4-5%收益率目标 同时强调无法承受类似2000年代初期投资损失的风险敞口 [1] 风险偏好管理 - 投资行为涉及情感因素 需尊重投资者对市场的担忧情绪以制定符合其风险承受能力的策略 [3][4] - 保持投资策略一致性是成功关键 应避免因市场波动改变既定计划 [3] 资产配置研究 - 4%退休金提取规则基于50%股票与50%债券组合的实证研究 [5] - 研究显示股票占比0-25%的保守型投资组合持续周期反而低于平衡型配置 [5][6] - 过度保守的资产配置策略实际上会降低投资组合持续满足退休需求的可能性 [6]