2024年4月22日 • 4分钟
到2022年,54%的美国人.S. households reported having savings in retirement accounts such as individual retirement accounts (爱尔兰共和军s), 基奥账户, 以及雇主赞助的计划, 比如401(k)和403(b)储蓄计划.1 Just 40% of Americans believe their retirement savings are on track.2
If you’re getting close to retirement (or even if you’re far away from it) and you’re worried about your retirement savings, it’s never 太 late to start putting money aside for the future. Learn how to estimate how long your retirement savings will last and how to maximize your nest egg.
而社会保障是用来支持退休人员的, it’s meant to replace only 40% of the average salary after retirement. You’ll also need to rely on your own savings to maintain your current lifestyle. While more than half of the American workforce contributes to a 401(k)-type plan or an 爱尔兰共和军, 这很难估计 退休需要多少钱.
While the “retirement equation” isn’t precise — experts suggest you’ll need between 70% and 80% of your pre-retirement income — here are some factors to consider:
If you’re getting close to retirement age and you’re worried about your retirement savings, it’s never 太 late to start putting money aside for the future.
While you see greater returns if you start saving for retirement sooner, 开始存钱永远不会太晚. If you’re over the age of 50, you can invest $7,000 in your 爱尔兰共和军 each year. Depending on how you invest and the rate of growth on those investments, 你会发现你的积蓄越来越多.
举个例子:如果你60岁了,开始存7美元,每年1万美元,直到70岁停止工作, 你会得到70美元,存了000英镑. Depending on your investments and their rate of growth, those savings could grow even more. Using an annual growth rate of 3% on your investment (compounded monthly), 你可以有80美元,当你退休的时候,把401存到你的账户里. With a 6% rate of return (also compounded monthly), you’d have $92,996 in your savings.
你也可能有资格享受某些税收优惠3 帮你为退休存钱.
The 储蓄者的信用 is a tax credit for eligible taxpayers who save in a qualified retirement account, 包括401(k), 403(b), 或爱尔兰共和军. Adults age 18 or older are eligible if they are not claimed as a dependent and not a student. 信用额度各不相同,有的是50%, 20%, 或者提成的10%, 这取决于你调整后的总收入.
与此同时, the Internal Revenue Service allows workers who are 50 or older to make annual catch-up contributions to their qualified retirement plans: an additional $7,为符合条件的401(k)养老金每年支付500美元或1美元,对于一个合格的个人退休账户.
You also might consider working part-time before you retire or as part of a nontraditional retirement. Not only will it bolster your income — and ideally your savings — but you’ll get the added benefit of social interaction, 太.
你可以收集 社会保障退休福利 and work at the same time, but there may be some implications based on your age and your earnings. If you haven’t reached the full retirement age, your benefits will be reduced. 与此同时, you will pay federal income taxes on your benefits if your combined income — 50% of your benefit amount plus any other earned income — is greater than $25,如果你以个人身份申请,每年可获得5000美元, or $32,如果你们是共同申请,每年可获得5000美元.
了解你的退休需求可能是压倒性的, but 开始存钱永远不会太晚 — and help is out there. Financial advisors can work with you to create a retirement plan that considers your age and your needs, and help you understand what tax incentives may be available to you.
Patelco offers its members a free consultation with a CFS Financial Advisor4 to help put you on the right track toward accomplishing your retirement goals. 安排约会 现在开始你的退休计划吧!
Planning for retirement and wondering 退休需要多少钱? Patelco can help you determine how much to save and plan your retirement income.
Thinking about consulting a 财务顾问 but have questions? Find out what a 财务顾问 does and if you may need one to assist you with your financial plan.
Discover how to make informed decisions during Medicare open enrollment. Explore options (original vs advantage), costs, and coverage with expert guidance.
1 Board of Governors of the Federal Reserve System, “Changes in U.S. Family Finances from 2019 to 2022 Evidence from the Survey of Consumer Finances,,出版于2023年10月
2 Board of Governors of the Federal Reserve System, “Report on the Economic Well-Being of U.S. 2021年至2022年5月的家庭”,于2023年12月26日获取
3 CFS和Patelco不提供税务或法律建议. For such guidance, please consult a tax and/or legal advisor.
4 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“中心”),注册经纪交易商(会员) 美国金融业监管局/SIPC)和美国证券交易委员会注册投资顾问. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, 难道不是信用合作社的担保或义务吗, and may involve investment risk including possible loss of principal. 投资代表须透过中心注册. 帕特尔科信用合作社 has contracted with CFS to make non-deposit investment products and services available to credit union members.