Annuities have been all the rage lately among financial advisors. Research from ProtectedIncome.org revealed that 50% of financial advisors are allocating more of their clients’ investments into annuities. Trending Now: Here’s Why You Might Want To Invest Your Retirement Savings in a Roth 401(k) Read More: Mark Cuban Says Trump's Executive Order To Lower Medication Costs Has a 'Real Shot' -- Here's Why However, it’s not just financial advisors who are pouring money into annuities. The same research indica ...

Although 83% of Americans believe there’s no set age to achieve life milestones, nearly half (45%) wish they had started saving earlier, according to a recent Empower study. And when it comes to saving for retirement, in particular, Americans believe the ideal age to start is 27. Learn More: 10 Bills That Drain Your Retirement Savings — and How To Cancel Them Read Next: 10 Unreliable SUVs To Stay Away From Buying Do experts agree? Here’s a look at the actual “ideal” age to start saving — and what to do if ...

罗斯转换基本规则 - 将资金从传统税前IRA账户转入税后罗斯IRA账户需缴纳所得税但未来退休提取免税[3] - 传统IRA从73岁开始须遵守最低提取要求(RMDs) 该收入作为普通应税收入可能导致退休者进入更高税阶[4] - 罗斯IRA不受RMD规则限制 可随时提取供款部分免税（投资收益提取若未满五年可能需缴所得税）[4] 转换时机考量因素 - 尽早转换可享受更长的免税增长年限且提取时无需缴税[7] - 大额转换可能需按37%最高边际税率缴税 具体取决于其他收入与扣除额等因素[8][9] - 分多年逐步转换可分散收入增幅 避免触发最高税率并降低总体税负[9] 资金提取限制 - 转换后五年内提取资金将面临罚款[10] - 分阶段进行转换时 每笔转换资金将重新触发五年规则[10]

税收政策变化 - 美国国税局允许50岁以上人群在401(k)计划中额外存入7,500美元（60-63岁人群可额外存入11,250美元）以达到税前限额 [1] - 即将实施的税法变更将取消年收入超过145,000美元人群的此项税收优惠 [1] - 高收入者从下个月起必须通过罗斯401(k)以税后资金进行额外退休储蓄 [2] 税收影响分析 - 高收入者将按较高税率缴税，而退休后领取时因收入较低通常处于更低税率档位 [2] - 额外储蓄资金将计入当期应税收入，可能导致部分人群进入更高税率档位 [3] - 年收入超过150,000美元的个人申报者或236,000美元的联合申报者不符合罗斯IRA储蓄工具的参与资格 [3] 退休储蓄市场现状 - 约60%美国人拥有退休储蓄计划投资（2025年盖洛普调查数据） [5] - 仅半数持有退休储蓄者对当前储蓄水平感到满意 [5] - 美国退休人员协会报告显示20%50岁以上美国人没有任何退休储蓄 [5] 金融产品调整 - 部分401(k)计划目前未提供罗斯选项，但金融服务公司近年来正积极添加该选项 [3] - 新规限制部分人群使用税前追加选项后，预计更多机构将推出罗斯401(k)选项 [3] 长期投资优势 - 若市场持续创新高，罗斯投资的投资收益将享受免税待遇 [4] - 免税特性有助于降低退休黄金时期的税务负担 [4]

One of the most overlooked aspects of retirement planning is the effect federal income taxes or state income taxes have on someone trying to live on a fixed or pension income. No matter your tax bracket, these unexpected hits to your retirement accounts can take a significant bite out of your nest egg without proper planning. Read Next: 10 Bills That Drain Your Retirement Savings — and How To Cancel Them Learn More: How Much Money Is Needed To Be Considered Middle Class in Your State? For example, a $1 mi ...

To understand Mullaney and Garrett’s arguments, you really only need to understand how the progressive tax bracket works. The way the U.S. system is structured, you pay tax on income in increasing increments — which currently go from 0% to 37%. When you earn income from a salary, you’re taxed at different rates as you move through the income brackets: After the standard or itemized deductions, the first $11,925 is taxed at 10%, income from $11,926 to $48,475 is taxed at 12%, and so on. The average of those ...

You might be counting down the days until retirement even if it’s years away. Maybe you’ve got your dream travel destinations mapped out, a list of hobbies to explore, and plans to spend more time with family. It all sounds amazing — until you remember that you need to establish a rock-solid retirement plan to make those dreams a reality. Up Next: I Asked ChatGPT Where To Retire on $2,000 a Month: Here’s What It Said For You: 8 Common Mistakes Retirees Make With Their Social Security Checks According to f ...

Many Americans are worried about how changing market environments and inflation could negatively impact their retirement savings. However, with the right strategies, it’s possible to build a retirement portfolio that can withstand fluctuations in the market and the economy. Find Out: Here’s Why You Might Want To Invest Your Retirement Savings in a Roth 401(k) Read Next: Mark Cuban Says Trump's Executive Order To Lower Medication Costs Has a 'Real Shot' -- Here's Why GOBankingRates spoke with Doug Ornstein ...

储蓄与投资 - 尽早开始储蓄和投资 时间是最重要的资产 越早开始储蓄和投资增长的时间就越长[3] - 利用雇主401(k)匹配 这是免费资金 始终缴纳足够金额以获得全额雇主匹配[4] - 向IRA账户供款 使用传统IRA或罗斯IRA以税务高效方式增长退休储蓄[5] 投资组合管理 - 分散投资 不要投资单一资产类别 将资金分散到股票、指数基金、ETF和债券以降低风险[5] - 定期重新平衡投资组合 每年审查投资组合并根据风险承受能力和目标调整资产类别[6] - 采用美元成本平均法 无论市场走势如何都坚持定期投资[5] 财务规划策略 - 建立应急基金 储备至少3-6个月的生活费用 避免在紧急情况下动用退休账户[3] - 自动化财务管理 设置自动转账到储蓄、投资和退休账户[3] - 每年增加退休供款金额 随着年龄增长逐步提高储蓄率[6] 税务优化 - 利用追赶型供款 年满50岁后向退休账户缴纳更多资金[7] - 实施税收损失收割 战略性实现亏损以抵消收益并减少当期税负[8] - 避免提前取款 除非符合豁免罚金的紧急情况 否则不动用退休账户[7] 消费与预算 - 追踪支出 了解资金去向以便在需要时削减开支[9] - 每年比较保险费用 对比汽车、房屋和健康保险费率以确保获得最优价格[7]

罗斯401(k)与传统401(k)比较 - 罗斯401(k)是一种混合账户 结合传统401(k)和罗斯IRA的特点 提供免税增长特性[2] - 传统401(k)贡献使用税前美元 降低当前税单 而罗斯401(k)使用税后美元贡献 需预付税款[3] - 罗斯401(k)提供税收多样性 部分资金提取时需纳税(传统) 部分免税(罗斯) 增加未来税务规划灵活性[4] 罗斯401(k)的优缺点 - 主要优势包括税收多元化 免税增长 以及未来提取时的税务灵活性[1][4] - 最显著缺点是需要支付更高当前税单 可能超过其长期收益[5] - 多数退休资金仍存在于传统401(k)中 因为人们普遍偏好"现在支付较少税款"的模式[2] 个案分析考量因素 - 一对50多岁的夫妇拥有200万美元401(k)资产 正在考虑转向罗斯供款[1] - 决策取决于多个因素 包括未来税率假设 当前与未来税务影响 以及终身税务节省最大化[1] - 建议咨询财务顾问或税务专业人士 使用高级建模程序分析不同选择的税务影响[2]