退休 阅读时间:4分钟

你的退休金从何而来?

What workers anticipate in terms of retirement income sources may differ considerably from what retirees actually experience. For many people, retirement income may come from a variety of sources. 以下是六个主要来源的快速回顾:

社会保障

社会保障 is the government-administered retirement income program. Workers become eligible after paying 社会保障 taxes for 10 years. Benefits are based on each worker's 35 highest earning years. If there are fewer than 35 years of earnings, non-earning years are averaged in as zero. In 2023, the average monthly benefit is estimated at $1,827.1,2

个人储蓄及投资

Personal savings and investments outside of retirement plans can provide income during retirement. Retirees often prefer to go for investments that offer monthly guaranteed income over potential returns.

个人退休帐户

传统的个人退休账户自1974年以来一直存在. Contributions you make to a traditional IRA may be fully or partially deductible, 这取决于你的个人情况. 在大多数情况下, 一旦你到了73岁, you must begin taking required minimum distributions from a Traditional 个人退休帐户 (IRA). Withdrawals from Traditional IRAs are taxed as ordinary income and, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty. You may continue to contribute to a Traditional IRA past age 70½ as long as you meet the earned-income requirement.

罗斯个人退休账户创建于1997年. Roth IRA contributions cannot be made by taxpayers with high incomes. To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and occur after age 59½. 税-free and penalty-free withdrawals also can be taken under certain other circumstances, 包括由于船主的死亡. The original Roth IRA owner is not required to take minimum annual withdrawals.

固定供款计划

Many workers are eligible to participate in a defined-contribution plan such as a 401(k), 403(b), 或者457计划. Eligible workers can set aside a portion of their pre-tax income into an account, 然后积累起来, 递延税项.

在大多数情况下, you must begin taking required minimum distributions from your 401(k) or other defined contribution plan in the year you turn 73. Withdrawals from your 401(k) or other defined contribution plans are taxed as ordinary income, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty.

固定收益计划

Defined benefit plans are "traditional" pensions—employer–sponsored plans under which benefits, 而不是贡献, 定义. Benefits are normally based on factors such as salary history and duration of employment. The number of traditional pension plans has dropped dramatically during the past 30 years.3

继续工作

In a recent survey, 73% of workers stated that they planned to keep working in retirement. 与此形成鲜明对比的是, only 23% of retirees reported that continued employment was a major or minor source of retirement income.4

预期和. 退休后的实际收入来源

What workers anticipate in terms of retirement income sources may differ considerably from what retirees actually experience.

1. SSA.政府,2023
2. SSA.政府,2023
3. Investopedia.2022年12月30日
4. EBRI.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 legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by love爱博体育app下载 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 love爱博体育app下载.

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