避免退休陷阱
Much is written about the classic financial mistakes that plague start-ups, 家族企业, 公司, 和慈善机构. Some classic financial missteps have been known to plague retirees, too.
Calling them "missteps" may be a bit harsh, as not all of them represent errors in judgment. 无论哪种方式, becoming aware of these potential pitfalls may help you to avoid falling into them in the future.
管理社会保障. Social Security benefits are structured to rise about 8% for every year you delay receiving them after your full retirement age. Is waiting a few years to apply for benefits an idea you might consider? Filing for your monthly benefits before you reach your full retirement age can mean comparatively smaller monthly payments.1
管理医疗费用. One report estimates that the average couple retiring at age 65 can expect to need $315,000 to cover health care expenses during the course of their retirement, even with additional coverage such as Medicare Part D, 补充性医疗保险, 还有牙科保险. Having a strategy can help you be better prepared for medical costs.2
了解长寿. Actuaries at the Social Security Administration project that a 65-year-old man has a 34% chance and a 65-year-old woman has a 45% chance to live to age 90. The prospect of a 20- or 30-year retirement is not only reasonable, but it should be expected.3
管理取款. You may have heard of the "4% rule," a guideline stating that you should take out only about 4% of your retirement savings annually. Each person's situation is unique but having some guidelines can help you prepare.
税收管理. Some people enter retirement with investments in both taxable and tax-advantaged accounts. Which accounts should you draw money from first? 为了回答这个问题, a qualified financial professional would need to review your financial situation so they can better understand your goals and risk tolerance.
This article is for informational purposes only and is not a replacement for real-life advice, 所以一定要咨询你的税务, 法律, and accounting professionals before modifying your investment strategy for tax considerations.
Managing other costs, like college. There is no "financial aid" program for retirement. 没有“退休贷款”." A financial professional can help you review your anticipated income and costs before you commit to a long-term strategy, and help you make a balanced decision between retirement and helping with the cost of college for your children or grandchildren.
1. SSSA.政府,2023
2. 忠诚.com, 2023
3. LongevityIllustrator.org, 2023
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or 法律 advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult 法律 or tax professionals for specific information regarding your individual situation. This material was developed and produced by 手机赌博软件下载 to provide information on a topic that may be of interest. 消费品, 有限责任公司, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 material provided are for general information, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 手机赌博软件下载.
