Spring can be a fantastic time to refresh your retirement plan and savings habits. 2023年将提高401(k)养老金的限额, 个人退休帐户(ira), 健康储蓄账户(HSAs), 以及其他税收优惠账户, it's worth taking a closer look at your retirement savings. Below, we discuss three ways to refresh your retirement plan this spring.
保持一致的储蓄
With inflation taking a bite out of just about everyone's paychecks, it can sometimes be tempting to decrease the amount you're contributing to retirement just to gain a bit of breathing room. 然而, maintaining a consistent rate of savings even through lean times can go a long way toward securing your financial future. 说到为退休储蓄, time is on your side—and the more you can contribute at a younger age, 这笔钱就有更多的时间来增长.
If your savings rate has been at the same level for more than a few years, 也许是时候重新审视这一贡献了. You may discover that you can afford to set aside a little more; in other cases, it may make sense to switch from a tax-deferred account to a post-tax account like a Roth 401(k) or Roth IRA.
检讨你的资产配置
When it comes to investing for retirement through an employer plan, the options available to you may sometimes seem overwhelming. 不仅仅是“股票vs .股票”. 债券," employees are asked to choose from accounts ranging from growth to stability, 从国内到国际, 科技股转向蓝筹股. 对于一些计划, the default option is to put contributions into a money market account rather than investing them in the stock market.
Does your asset allocation appropriately reflect your risk tolerance and investment timeline? 这很难知道.
幸运的是，你不必一个人去做. A financial professional can work with you on your strategies and goals, making adjustments where necessary to keep you on the right path. Don't wait until you get closer to retirement to realize you haven't been investing as efficiently as you would have liked.
检查受益人
One last thing that is important to keep an eye on involves the disposition of your assets once you've passed away.
许多金融账户，比如401(k), ira, and even some bank accounts may require you to name a beneficiary. 还有人寿保险单, the beneficiary is key—this is the person to whom the benefits pass, regardless what a marriage decree or executed will may say to the contrary.
如果你已经结婚或离婚了, 最近有孩子了, or if it's been more than a year since you evaluated your beneficiary designations, it's important to revisit each of your financial accounts to ensure your beneficiary designations continue to reflect your wishes. 在很多情况下, a surviving family member has discovered too late that their loved one named an ex-spouse or estranged family member as their beneficiary, 把那些依赖他们的人扔在午餐里.
要求免费咨询, 无论是面对面的还是虚拟的, 与元素财富管理的财务顾问合作.
重要的信息披露
The opinions voiced in this material are for general information only and 不 intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, 在投资前咨询你的金融专业人士.
Investing involves risks including possible loss of principal. No investment strategy or risk management technique can guarantee return or eliminate risk in all market environments.
The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax-free, as long as they are considered qualified. 可能会有限制和限制. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, 以较晚的为准, 可能会导致10%的国税局罚款税. Future tax laws can change at any time and may impact the benefits of Roth ira. 他们的税收待遇可能会改变.
An investment in the Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
Asset allocation does not ensure a profit or protect against a loss.
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