Key Takeaways The end of the year is near and you might be busy stocking up on gifts and planning visits to family and friends. But retirees should keep another year-end deadline in mind: taking required minimum distributions, or RMDs. New research from Vanguard estimates that missed RMDs could cost retirees up to $1.7 billion annually. Starting at age 73, investors must take RMDs, which are required annual withdrawals from accounts like 401(k)s and traditional IRAs. (Though if you're still working and have ...

Like many people, one of your top priorities in the new year is growing your wealth. You’re going to read all the money management books and listen to the podcasts. You’ll download apps to help you get smarter about saving money. And this is the year you’re finally going to get more serious about investing. Whether your only experience as an investor begins and ends with your workplace 401(k) or you already keep a close eye on your portfolio, there are smart investing moves you can make now to position y ...

文章核心观点 - 文章核心观点是反对动用401(k)退休储蓄来购买房产 认为这种做法通常是非常糟糕的财务规划 因为会面临高额罚金、税款并损失复利增长 尽管存在前妻通过此方式获利的个例 但专家指出其忽略了隐藏成本且财务状况本身已不理想 [1][2][5] 关于动用401(k)购房的财务分析 - 提前支取401(k)资金将面临10%的罚款 并需按个人税率缴纳所得税 综合成本相当于以35%的利率借款 [5][6] - 即使通过投资房产获利 提前支取401(k)所支付的罚金和税款也可能完全抵消其利润 导致实际并未赚钱 [5][6] - 牺牲未来的退休储蓄来换取当前的房产 通常是一种糟糕的规划 [2] 案例当事人的财务状况 - 当事人Ryan年收入13万美元 但50岁时其401(k)账户余额仅为8.5万美元 [4] - 其储蓄水平远低于其年龄段的典型储蓄目标（约为收入的六倍） 也低于其年龄段401(k)的平均余额313,220美元 [4] - 其前妻在离婚后获得了其部分401(k)资金 并用于购买房产 在出售获利后又购买了第二处房产 [1] 专家观点与建议 - 专家对听取前妻财务建议的做法表示困惑 并坚决反对动用退休金购房的计划 [2][3] - 专家以严厉的措辞指出 前妻的建议是糟糕的 并强调了提前支取退休金的高昂代价 [5][6]

MoMo Productions / Getty Images Recent research shows that many people in their 30s are saving what they can, even amid economic ups and downs. Key Takeaways The average 30-something contributes about 11% to 13% of their income to retirement accounts in 2025, compared with the financial experts' suggested target of 15%. Median 401(k) balances for people in their 30s are about $25,000–$40,000, while the average, which skews higher, is over $100,000. If you’re in your 30s, chances are you’ve asked you ...

文章核心观点 - 文章为退休人士在2025年底前应完成的三个关键财务规划步骤提供指导 旨在帮助其优化收入管理并规避财务风险 [1] 退休账户最低提领额管理 - 若退休储蓄存放于罗斯IRA或401(k)账户 则无需担心最低提领额规定 但若为传统退休计划 则必须遵守相关RMD规则 [2] - 出生于1960年之前的人士 须在73岁时开始提领RMD 首次提领可延迟至74岁当年的4月1日 但这将导致同一年内需进行两次提领 [3] - 未能按时从IRA或401(k)中提取RMD将面临高昂罚款 因此若尚未开始提领流程 应在2025年底前尽快行动 [3] - 若无需使用RMD资金 可采用策略减少相关税负 例如通过合格慈善分配将资金直接从退休计划转至注册机构 从而避免为RMD缴税 但应提前规划以免遇到问题 [4] 投资组合审查与再平衡 - 在退休阶段 投资组合通常是定期收入的来源 因此需确保资产在产生充足收入的同时不暴露于过度风险之下 [4] - 应审查投资组合 查看是否有资产价值大幅增长 这可能导致过度集中于单一个股 其价值在新的一年可能暴跌 [5] - 通常建议减持重仓资产 这并非要求完全清仓 但若单一个股占投资组合的15% 在退休阶段可能构成风险 应考虑出售部分持股以降低其占总资产的比例 [5][7]

The new year will usher in myriad retirement-related changes for both savers and retirees. Here’s a roundup of the top retirement-related changes for 2026. Retirement account contribution limits The amount you can squirrel away for your golden years will inch up modestly. The contribution limit on individual retirement accounts (IRAs) increases to $7,500, and the catch‑up contribution limit for people 50 and older goes to $1,100 for 2026. The limits apply to both traditional and Roth IRAs, though Roth I ...

Out-of-pocket medical expenses often get overlooked because they’re only deductible if they exceed 7.5% of your adjusted gross income (AGI) . But if you’ve had a high-cost medical year, prepaying January appointments or procedures could push you over that threshold. Dental work, vision care, and prescription costs all count.Timing your charitable donations can help you maximize your tax deduction. If you're close to the itemization threshold, try bunching several years of donations into the current year (e. ...

文章核心观点 - 员工对退休计划的缴款率是影响长期退休准备的关键因素 但大多数人对此认识不足且缺乏参照 缴款率通常在职业生涯早期设定并多年不变 这些看似微小的选择（如5% 6%或7%）对长期结果影响巨大 [2] - 将个人缴款率与同龄人进行比较 有助于评估长期目标是否在正轨上 即使每次只做小幅度的可持续提升 也能显著增强退休准备 [5] - 摩根大通年度报告数据显示 各年龄段和收入阶层的缴款习惯差异很大 但普遍低于建议的10%或更高的税前收入缴款率 即使是高收入者 平均缴款率也低于9% [6][8] - 尽早小幅提高缴款率（例如每年提升1%）能通过长期的复利效应产生巨大差异 相比之下 在职业生涯后期进行同样幅度的提升 其效果要小得多 [14][15] - 对于许多员工而言 最佳策略是从一个小的、可管理的增幅开始 利用计划的自动化递增功能 并确保获取全额雇主匹配 这比试图一次性大幅提高缴款率更可持续且长期影响显著 [16][17][18] 退休计划缴款现状分析 - 固定缴款计划（如401(k) 403(b) 457计划）是许多美国人为退休储蓄的主要方式 但大多数员工并不清楚自己的缴款率处于什么水平 [3] - 计划仪表盘通常只突出显示账户余额而非储蓄行为 加上人们很少与同事或朋友讨论缴款选择 导致难以评估自身进度 [4] - 根据摩根大通2025年报告数据 中等收入者中 不同世代的平均缴款率为：Z世代约3.7% 千禧一代5.0% X世代约6.0% 婴儿潮一代略高于7% [6] - 收入对缴款率有影响 但影响有限 在每个世代内部 高收入者缴款更多 但幅度不大 收入最低的三分之一员工平均缴款率在4%至6.5%之间 [7] - 仅有15%的参与者达到了普遍建议的10%缴款率 即使在高收入者中 也只有22%的人以两位数比率储蓄 [13] 缴款率提升的长期影响 - 模型显示 一名在25岁左右将缴款率从5%开始 在三年内逐步提升至8%（即每年提升约1%）的员工 到退休时积累的金额可能比从不提高缴款率的人多出约84,000美元 [14] - 提升时机至关重要 如果在职业生涯的最后20年才将缴款率从5%提高到8% 最终余额的额外增加额估计仅为约22,000美元 与84,000美元形成鲜明对比 [15] - 长期复利效应是产生巨大差异的主要原因 早期增加的小额资金有数十年的时间增长 [14] 雇主匹配与储蓄目标 - 对许多员工而言 雇主匹配计划有帮助 但作用有限 摩根大通分析发现 平均匹配额约为薪酬的3.2% 这能提升总储蓄率 但不足以使大多数员工达到建议目标 [11] - 富达等机构建议的总储蓄率（包括雇主缴款）目标约为收入的15% 但即使加上匹配资金 许多员工仍未能达到15%的目标 [12] 行动建议与策略 - 低于同龄人或同收入群体的平均缴款率并不意味着偏离轨道 它只是为下一步决策提供了一个参考点 [16] - 最佳方法是开始一个小的、可管理的增加 将缴款率提高哪怕一个百分点 通常比大幅跃升更容易持续 且长期影响显著 [16] - 自动化功能很有帮助 许多职场退休计划允许安排每年以1%的幅度递增缴款率 这种结构无需每年重新决策 并有助于随着收入增长逐步提高缴款 [17] - 确保获取全额雇主匹配（如果计划提供的话）可以快速提升总储蓄率 而无需过多增加自付成本 [18] - 即使起步低于基准线 持续的进步比一夜之间达到某个单一目标更重要 现在的小幅增加 加上长期的持续缴款 可以建立更强的储蓄轨迹 [19]

Key Takeaways A growing percentage of Americans believe they'll need at least $1 million to retire comfortably, according to a new survey from Betterment, a robo-advisor and fintech company. In 2025, nearly half (48%) of workers reported that they'd need at least $1 million to retire, up from 37% the year prior. Yet for many Americans, achieving that milestone may be challenging. Only about half (54.3%) of households actually had retirement account assets, while just 4.6% of households had assets worth more ...

Building wealth through investing isn’t about getting rich quick or timing the market perfectly. According to financial experts at Fidelity, successful investing comes down to developing smart habits that compound over time. Here are six proven habits that can help you build long-term wealth and achieve financial wellness. Discover Next: Self-Made Millionaires Suggest 5 Stocks You Should Never Sell Read This: 6 Safe Accounts Proven To Grow Your Money Up To 13x Faster Stay the Course During Market Volatili ...