Key Points Tax considerations with RMDs are especially important. Retirees should also evaluate when the best time is to take their RMDs. Reinvesting RMDs is often a smart move for retirees, but it isn't always the best approach. The $23,760 Social Security bonus most retirees completely overlook › What's the most critical age for retirees after their retirement date? A good case can be made for age 73. Anyone who has money in a tax-deferred retirement account such as a traditional IRA or a 401(k ...

Key Points Giving up your workplace match is something you might kick yourself for. Ignoring investment fees could leave you with less money. Passing up a Roth could leave you with fewer options and higher taxes in retirement. The $23,760 Social Security bonus most retirees completely overlook › If you're contributing to a 401(k), you're already doing your part to set yourself up for a financially stable retirement. And that's something to be proud of. Many people kick off retirement without per ...

文章核心观点 - 退休规划中存在一些普遍误解 这些误解可能长期侵蚀退休人员的未来收入 资深遗产规划律师指出了最常见的误区及其避免方法 [1][2] 关于社会保障（Social Security）的误解 - 最大的误区之一是因厌倦工作而在62岁提前申领社会保障金 这将导致终生锁定在较低的月度福利水平 [3] - 在达到完全退休年龄（1960年或之后出生者为67岁）之前申领 会减少月度福利并可能触发收入限制 [3] - 在达到正常退休年龄前 如果领取福利时的收入超过限额 社会保障金将会停发 [4] - 提前申领社会保障金导致的终身总损失可能在12万至30万美元之间 [4] 关于退休金提取策略的误解 - “4%规则”常被视作硬性规定 但其初衷仅是一个粗略估算 并未考虑市场波动 [5] - 若经历十年高通胀 严格按4%规则提取将导致购买力下降 [5] - 建议根据通胀和市场变化调整提取额 并每年监控投资组合以掌握财务状况 [5] 关于退休计划费用的误解 - 并非所有退休计划的费用都相同 一些共同基金可能收取基金总投资的1%或更高费用 [6] - 相比之下 大多数401(k)计划仅收取0.5%的费用 [6] - 费用差异长期累积可能导致重大损失 [6]

10'000 Hours/ Getty Images Ensuring your 401(k) is delivering the best return possible is essential for your retirement. Key Takeaways A new study found that more than half of 401(k) plans from 2009 to 2013 offered consumers at least one investment fund option that shared revenue with the plan's administrator. That means higher hidden costs, which can add up to thousands in lost value by the time you retire. Do you really know how your 401(k) plan is invested? If not, you might be putting your money ...

Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Imagine working for years only to find out your employer's payroll system thinks you're a newborn. That's what one Reddit user recently discovered after realizing a clerical error had kept them from contributing to their 401(k). The post, shared in r/personalfinance, described how the employee's company entered their hire date as their birthdate. Because of that single mistake, the system decided they were ...