However, budgeting can be challenging, especially when trying to track multiple accounts and daily expenses simultaneously. Monarch Money's expense tracking system simplifies the process.Budgeting and tracking can help you understand where your money is going, so you can make every dollar work for you.One of the best ways to get started is by creating a budget to track your spending. This can help you determine how much money you have to invest in your retirement.While a $1-million retirement goal might see ...

We are a dual-income couple in our mid-50s with over $2 million in our 401(k)s. Should we “sacrifice” the pre-tax benefit and switch to Roth contributions at work? -Wendy Like most tax-related questions, the answer is “it depends.” Based on your situation, switching contributions to a Roth 401(k) could make sense for a few key reasons, including tax diversity and tax-free growth. However, there may be additional factors that make sticking with a traditional 401(k) and opening a Roth IRA on the side more de ...

Older Americans are ramping up their IRA contributions, according to Fidelity's latest retirement analysis study. Advisors say growing anxiety about the possibility of running out of money in retirement is likely driving the surge in contributions. The study, which looked at 17.8 million IRA accounts in the second quarter of 2025, found that IRA contributions have remained flat year over year. But, among Generation X and baby boomer account holders specifically, the contribution rate has increased 25% and ...

产品发布 - 摩根大通推出专为个体经营者和无全职员工的自雇人士设计的Solo 401(k)退休解决方案[1] - 该产品是Everyday 401(k)的重要扩展 提供在线快速设立401(k)计划的功能[2] - 产品提供灵活投资选项 包括摩根资产管理预置解决方案或定制计划[2] 市场背景 - 80%的企业主参与退休账户供款 其中35%偏好个人401(k)选项[3] - 仅44%企业主对当前供款额度满意 显示市场对高供款灵活方案的需求[3] - 摩根大通旗下Chase for Business服务超过700万家中小企业[4] 产品特点 - 年供款上限达7万美元(50岁以上更高) 配偶雇员可额外供款7万美元[9] - 兼具雇主和雇员双重身份 享受更高供款限额和税收优惠[9] - 提供税前和罗斯供款选择 享受税收递延增长优势[9] 服务支持 - Vestwell继续担任该产品的记录保管机构[2][8] - 摩根资产管理提供全方位服务 包括投资解决方案和数字化工具[6] - 公司管理资产规模达3.8万亿美元(截至2025年6月30日)[10] 公司概况 - 摩根大通集团总资产4.6万亿美元 股东权益3570亿美元(2025年6月30日)[11] - 集团在投资银行 零售金融 商业银行业务领域处于领先地位[11] - 摩根资产管理在全球主要市场服务机构和个人投资者[10]

退休准备与延迟退休趋势 - 70%的50岁以上准退休人员考虑或延迟退休计划[1] - 23%的准退休人员明确推迟退休计划 较2024年上升14%[2] - 50%受访者将经济波动列为延迟退休主因 较2024年增加10个百分点[2] 重返职场现象 - 29%退休人员考虑重返职场 其中X世代比例达54% 显著高于婴儿潮一代的28%[3] - 42%重返职场者追求智力挑战 33%担忧失去生活目标[9] 退休财务焦虑 - 48%担忧退休资金不足 44%受通胀困扰 34%担心经济衰退[8] - 49%投资者倾向增加未来有保障收入的投资产品[3] 退休规划自我评估 - 仅26%对财务准备给予A评级 32%自评C或更低[6] - 社交连接方面41%自评C以下 个人成就感28%获A评级[6] 专业财务顾问使用情况 - 47%的50岁以上人群未使用财务顾问 较去年上升4个百分点[7] - X世代中54%未寻求专业顾问 较2024年增加5个百分点[7] - 仅15%退休者重返职场前咨询顾问[10] 保险公司观点 - 年金等保障收入产品需求上升以维持退休生活质量[4] - 财务顾问需协助客户协调财务目标与生活愿景[11] 调查背景 - 样本为2000名50岁以上美国成年人 金融资产10万美元以上[12] - X世代受访者年龄界定为50-59岁[14]