Retirement Read Time: 4 min

Orchestrating Your Retirement Accounts

管弦乐队只是各种乐器的集合,每一种乐器都能创造出独特的声音. 只有在指挥的带领下,他们才能奏出作曲家想象中的美妙音乐.

The same can be said about your retirement strategy.

典型的退休策略是建立在401(k)计划的基础上的, your Traditional IRA, and taxable savings. 让你退休后的工具协同工作,有可能帮助你实现你想象中的退休生活.1

Hierarchy of Savings

要使你的退休策略的有效性最大化,首先要理解储蓄的层次结构.

如果你像大多数美国人一样,你可以为退休储蓄的金额并不是无限的. Consequently, 你可能想确保你的存款首先被用于最高优先级的退休基金选择. For many, that hierarchy begins with the 401(k), is followed by a Traditional IRA and, after that, put toward taxable savings.

然后你就会考虑如何投资这些储蓄池. 一个策略是简单地在所有退休账户中反映你想要的资产配置.2

另一种方法是把产生收入的那部分分配进去, such as bonds, into tax-deferred accounts, 同时使用应税账户投资于从资本增值获得收益的资产, like stocks.3

Withdrawal Strategy

当谈到靠储蓄生活时,你会想要协调你的取款. 有一种观点建议,你应该先动用应税账户,这样你的递延纳税储蓄就有更多的时间用于潜在的增长.

另一种学派建议,首先从表现较差的退休账户中提取分红, since this money is not working as hard for you.

Finally, because many individuals have both traditional and Roth IRA accounts, 你对未来税率的预期可能会影响你首先从哪个账户中取出资金. (If you think tax rates are going higher, 那么你可能想要在罗斯之前退出传统). If you’re uncertain, 你可能会考虑从传统的最低纳税等级中退出, then withdrawing from the Roth after that.4

In any case, 每个人的情况都是独特的,任何策略都应该反映你特定的风险承受能力, time horizon, and goals.

1. "Under the SECURE Act, in most circumstances, 你必须开始从你的401(k)计划中领取最低分配额。, Traditional IRA, or other defined contribution plan in the year you turn 72. Withdrawals from your 401(k), 传统的IRA或其他固定缴款计划按普通收入征税, and if taken before age 59½, may be subject to a 10% federal income tax penalty. 401(k)计划和个人退休帐户也有例外,以避免10%的提款罚款, including death and disability. 传统个人退休账户的缴款可以全部或部分扣除, depending on your individual circumstances.
2. Asset allocation is an approach to help manage investment risk. Asset allocation does not guarantee against investment loss.
3. 债券的市场价值将随利率的变化而波动. As rates rise, the value of existing bonds typically falls. If an investor sells a bond before maturity, it may be worth more or less than the initial purchase price. 持有债券直至到期,投资者将得到到期的利息加上他或她的原始本金, barring default by the issuer. 寻求更高收益的投资也涉及更高程度的风险. 股票价格的收益和本金价值会随着市场情况的变化而波动. 股票在出售时,其价值可能高于或低于最初的成本.
4. 高收入的纳税人不能提供罗斯IRA. To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA的分配必须满足5年的持有要求,并且在59岁½岁之后开始. 在某些其他情况下,也可以采取免税和免税取款, such as a result of the owner's death. 原来的罗斯IRA所有者不需要采取最低年度取款.

内容是发展的来源被认为是提供准确的信息. 本材料中的信息并非用于税务或法律咨询. 它不能用于避免任何联邦税收处罚的目的. 请向法律或税务专业人士咨询有关您个人情况的具体信息. 本材料是由FMG Suite开发和制作的,以提供关于可能感兴趣的主题的信息. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和提供的材料是为一般信息, 而不应被视为招揽购买或出售任何证券. Copyright 2021 FMG Suite.

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