Retirement can feel impossibly far away when you’re in your 20s, but the financial decisions Gen Z makes right now matter more than they may realize. Small steady contributions can grow into life-changing wealth thanks to time, consistency and the power of compounding. What $100 a Week Can Grow Into by Retirement Even modest weekly contributions can turn into significant wealth when given decades to compound, according to Melanie Musson, a finance expert with Clearsurance.com. Even conservatively speakin ...

Key Points Make sure you're not saying no to free money. Don't overpay to invest your money. Recognize the value of saving in a Roth 401(k) if that option is available to you. The $23,760 Social Security bonus most retirees completely overlook › One of the best things you can do to set yourself up for a secure retirement is save consistently during your working years. And you have different options in that regard. Many companies offer a 401(k) plan. If yours doesn't, you can always look to an IR ...

The rise in Medicare premiums and deductibles will be offset by a cap on drug prices. The Inflation Reduction Act of 2022, championed by then-President Joe Biden, places a $2,000 annual cap on overall prescription drug costs, representing potentially huge savings for retirees.If you have a high-deductible health plan, you likely have access to a health savings account. Take full advantage of it. In 2026, HSA contribution limits are $4,400 for individuals and $8,750 for family coverage, with an extra $1,000 ...

The IRS unveiled contribution limit changes for popular retirement plans, including 401(k) plans and IRAs. Americans who contribute to 401(k) and 403(b) plans, as well as governmental 457 plans and the federal government's Thrift Savings Plan, will see their contribution limit rise to $24,500 in 2026 — an increase from $23,500 in 2025 — the IRS announced in November.The IRA contribution limit is also rising in the new year, increasing to $7,500 in 2026 from $7,000 in 2025. People aged 50 and up who are look ...

Fact checked by Suzanne Kvilhaug Willie B. Thomas / Getty Images If you're constantly worried about retirement, you're not alone. Key Takeaways For many Americans, peak earning years are between the ages of 45 and 54, and many of them worry about saving enough for retirement. The earlier you start saving for retirement, the more you can benefit from compound interest. Taking advantage of retirement accounts, such as 401(k) plans, and individual retirement accounts is a way to build savings and ease r ...

Retirement is something many Americans plan decades for in hopes of achieving. Sadly, only 40% of Americans aged 61 to 65 are ready for retirement, according to a recent report from Vanguard. The rest of the people in their 60s will largely depend on Social Security to make ends meet in retirement. Falling short of financial security in your 60s is concerning, but there’s often still time to recover. Here are four ways to get on track for retirement if you’re in your 60s. Also see 50 habits that will pr ...

退休储蓄现状与挑战 - 仅依赖社会保障金不足以维持舒适的退休生活 社会保障金仅能替代约40%的平均工资收入 而大多数退休人员需要约两倍的替代收入才能拥有良好的生活方式 [1][2] 2026年改善退休储蓄的策略 - 优先自动化进行退休储蓄 通过设置个人退休账户的自动转账或加入公司401(k)计划 在每笔工资到账后立即划拨资金 以此避免日常开支对储蓄的侵蚀 [3][4] - 利用薪资增长直接增加退休储蓄 例如将2026年1月生效的加薪部分直接转入退休储蓄账户 由于未习惯更高的薪资 此举不会影响生活开支 [5] - 通过兼职增加退休储蓄资金来源 在收入紧张的情况下 考虑在2026年从事零工经济以获取额外收入 专门用于补充个人退休账户或401(k)计划 同时兼职还可能带来技能提升和职业发展的额外益处 [6][8]

核心观点 - 文章核心观点为针对50多岁人群的退休规划策略 重点在于利用该年龄段特有的财务优势与时间窗口 通过最大化供款、调整资产配置、利用简化投资工具和优化税务策略来构建舒适的退休生活[1] 供款策略 - 最关键的举措是最大化401(k)供款 特别是利用50岁后允许的追加追赶供款 2025年常规供款上限约为23,000美元 加上7,500美元的追赶供款 年度供款总额可达30,500美元[2] - 若无法达到上限 建议至少将收入的15%至20%用于供款 或每六个月增加1%的供款比例直至达标[3] - 在50多岁时投入的每一美元因临近提取期且收入可能更高 复利增长更快 该十年间的供款最终可能占退休金总额的30%至40%[3] 资产配置 - 建议采取平衡的资产配置 股票占比60%至70% 债券或稳定价值基金占比30%至40%[4] - 股票配置内部 建议美国大盘股占40%至50% 国际股票占10%至20% 中小盘股占5%至10%[4] - 此配置旨在未来20或30年内通过增长抵御通胀 同时避免因过于重仓股票而在临近退休时遭遇市场暴跌的毁灭性打击[5] 投资工具选择 - 对于觉得管理投资组合负担过重的人群 建议考虑使用目标日期基金 根据计划退休年份选择2035或2040基金[6] - 目标日期基金会自动调整资产配置 初期配置更多股票以应对波动 随着临近退休增加稳定性资产 并自动进行再平衡[6] - 对于不想主动管理投资的50多岁人群 这通常是最明智的选择[6] 税务规划 - 强调了50多岁进行税务多元化的重要性 如果雇主提供罗斯401(k)选项 应加以利用[7]

退休账户与应税经纪账户的对比 - 应税经纪账户无年度供款限制且可随时取款而无罚金 [1] - 传统IRA或401(k)计划提供存入资金的税收减免且资金享受延税增长 [2] 强制性最低提款额的特点与影响 - 传统退休账户的缺点是未来必须进行强制性最低提款 [2] - 对于许多人而言RMD并非问题 例如计划每月从储蓄中提取1,000美元补充社保者 其12,000美元的RMD可无缝完成 [3] - 当对资金无特定需求时 RMD可能带来困扰 因为它不仅终止了资金的税收优惠增长方式 还可能增加整体年度税负 [4] 处理强制性最低提款额的策略 - 策略一为进行投资 可将RMD资金投入普通经纪账户以实现长期增长 为未来可能更紧张的资金状况做准备 [5] - 策略二为捐赠给慈善机构 通过合格慈善分配方式将RMD资金直接转至注册慈善机构 可避免为该笔资金纳税 [6][8]

退休储蓄投资策略 - 为退休账户如IRA或401(k)每月供款是重要的，但仅储蓄并不足够，必须进行投资以实现资金增长并跑赢通胀 [1] 避免过于保守的投资 - 若距离退休尚有许多年，因害怕亏损而过度回避股市可能导致退休储备金不足，无法有效补充社会保障福利 [3] - 举例说明：每月储蓄500美元持续40年，若获得8%的年化回报（略低于股市平均水平），最终积累金额将略超过150万美元；若主要投资债券等稳定资产，获得4%的回报，最终积累金额仅约为57万美元 [4] - 当前平均每月社会保障福利仅略高于2000美元，因此需要规模可观的储备金来保障舒适的退休收入，150万美元比57万美元更能满足此需求 [5] 避免在市场下跌时抛售资产 - 2026年股市走势不确定，可能上涨、持平或下跌，投资者不应因市场暴跌而恐慌性抛售股票 [6] - 若在市场下跌时保持投资组合不变以等待复苏，最终可能不会遭受实际损失 [8] - 对于30或40岁的年轻投资者，若2026年股市下跌，因其拥有数十年的时间让投资组合恢复，通常最佳做法是保持不动；仅当临近退休（几年内）时，才需要在2026年减少股票配置 [9] 其他投资注意事项 - 确保投资组合不完全规避风险 [7] - 不要对市场波动反应过度 [7] - 密切关注所支付的投资费用 [7]