ira是什么
2018年11月5日 • 4分钟阅读
什么是IRA?
退休的统计数据
- 平均退休年龄:63岁
- 平均退休时间:18年
- 50岁老人的平均储蓄:42,797美元
- Total cost for a couple over 65 to pay for medical treatment over 20 years: $218,000
- Percentage of people ages 30-54 who believe they will not have enough saved for retirement: 80%
- Percentage of Americans who don't save anything for retirement: 38%
- 每天65岁的美国人:6人.100
退休所需的储蓄金额*
| 所需月收入 | 需要20年的储蓄 | 需要30年的储蓄 |
|---|---|---|
| $1,000 | $166,696 | $212,150 |
| $2,000 | $333,392 | $424,300 |
| $4,000 | 666,783 | 848,601 |
| $5,000 | $833,479 | $1,060,751 |
| $8,000 | $1,333,567 | $1,697,201 |
| $10,000 | $1,666,958 | $2,121,501 |
If you are staring at these numbers with a dumbfounded look and thinking to yourself, “呃……显然我要工作到时间的尽头。!” I want to tell you that there are still things you can do to prepare.
那么，你如何避免成为这些(可怕的)统计数据中的一员呢? 你应该先从你工作的地方开始. Most employers offer a retirement plan to you as part of their benefit package. 无论是养老金计划，401(k)计划，延期补偿计划等等.，最好的解决办法是参与. Some of these plans even match what you put in – that could be considered free money!
但是如果你的雇主不提供退休计划怎么办? Or maybe you want to be able to supplement your work retirement plan? 这就是个人退休账户, 更广为人知的是IRA, 可能是你退休之谜中缺失的一块.
IRA到底是什么? Let me first clear up a common misconception with IRAs; these are accounts, not investments. “我想投资个人退休账户”这句话不太有意义. 澄清一下——我想让你把它想象成一个空篮子. When you open an IRA, you are essentially handed a basket with absolutely nothing inside of it. 下一步是在里面放一些有趣的东西! There are many products available to you that you can throw into your basket, 包括, 但不限于, 储蓄账户, CDs and – 取决于你的风险承受能力和时间范围 – stocks, 债券, 共同基金. 当你说, “我想开一个个人退休账户,你真正想说的是, “我想开一个个人退休账户，在里面放一个储蓄账户.”
继续前进. 那么，你怎么知道应该把什么放进你的新IRA篮子里呢? 这要看情况. 个人退休账户是为退休而设计的. 对于你们中的许多人来说，这应该被视为一个长期目标. Although you can put a savings account or a CD inside of an IRA – they might not be appropriate for your long-term needs. 考虑一下——如果你打算退休的话, 说, 25 years – the money you put inside of your savings account earning 0.10% (the current rate at WSECU as of this article) won’t grow very fast, now will it? Similar to your retirement plan at work – if you are contributing to, 例如, 通过雇主提供的401(k)计划, 你认为你的钱被投资在储蓄账户上了吗? 不完全是. 寻求长期增长机会, 投资产品，如股票, 债券, 共同基金可能是更好的选择, 再一次。, 取决于你的风险承受能力和时间范围. (Stock and mutual fund investing involves risk, 包括 loss of principal. Mutual funds will fluctuate with market conditions and may not achieve their investment objective.)
个人退休账户有什么好处?
Many financial experts estimate that you may need up to 85% of your pre-retirement income in retirement 1. 雇主赞助的储蓄计划, 比如401(k), 可能还不足以攒够你需要的钱. 幸运的是，你可以同时加入401(k)和个人退休账户. (Contributions to a traditional IRA may be tax deductible in the contribution year with current income tax due at withdrawal. Withdrawals prior to age 59½ may result in a 10% tax penalty in addition to current income tax.)个人退休帐户的一些好处:
- Supplement your current savings in your employer-sponsored retirement plan.
- Gain access to a potentially wider range of investment choices than your employer-sponsored plan.
- 利用潜在的递延税收或免税增长.
规划 retirement can often be stressful and the options available to you may appear confusing and complicated. Let a professional help you determine your needs and help you achieve your goals. 了解更多, reach out to our Investment team at WSECU Investment Management to explore your options. 你可以打800找我们.456.或者你可以 浏览我们的网页 查阅联络资料.
布雷特Lathrup
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