If you have your retirement savings in a traditional account, as opposed to a Roth, you should know that you can't leave your money sitting there forever. At either age 73 or 75, depending on your year of birth, the IRS is going to start mandating that you take yearly withdrawals known as required minimum distributions, or RMDs. RMDs can be a pain if you don't have an obvious use for the money, since they count as taxable income. But rather than let your 2026 RMD be a source of aggravation, it pays to fi ...

If you're making steady contributions to your employer's 401(k) plan, you're doing a very good thing for your retirement. Social Security will only replace about 40% of your pre-retirement paycheck if you earn an average wage. Most seniors need a lot more money than that to cover all of their expenses, so it's important that you build up retirement savings on top of those benefits. Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now, wh ...

The more you save for retirement — especially while you’re younger — the faster you’ll become “work optional” and the more comfortable your retirement will be. Of course, some workers save more aggressively than others. How does your 401(k) contribution rate stack up against the average American’s? The Typical 401(k) Contribution Rate According to a third quarter 2025 report by Fidelity, the average employee contributes 9.5% of their salary toward their 401(k) account. Employers add an extra 4.7% matchi ...

晨星公司最新安全提取率建议 - 晨星公司2025年12月的研究将其推荐的退休储蓄安全提取率从上一年的3.7%上调至3.9% [1] - 该数据接近个人理财中著名的4%规则 即首年提取储蓄的4% 之后每年根据通胀调整 [2] - 晨星最新分析还指出 愿意根据市场状况调整支出的退休人员 提取率最高可接近6% [7] 退休人员实际提取行为与支出模式 - 2025年《财务规划评论》的一项研究发现 拥有至少10万美元资产的65岁已婚夫妇 每年仅从其退休账户中提取2.1% 单身退休人员提取更少 约为1.9% [3] - 退休人员会花掉约80%的保障性收入（如社会保障金） 但仅支出其退休储蓄的大约一半 [3] - 先锋集团对7万名60岁及以上退休人员的账户审查发现 只有约三分之一的人在审查的每一年中都提取了资金 [5] - 在上述提取资金的人群中 仅20%的人保持了每年3%至10%之间的稳定提取率 [5] 退休储蓄余额与提取策略的现实考量 - 先锋集团样本中退休人员退休时的401(k)账户余额中位数为13.3万美元 约相当于2.2年的收入 [6] - 按传统的4%提取率计算 13.3万美元的余额每年仅能提供约5300美元 不足以支撑退休生活 [8] - 对于储蓄较少的退休人员而言 谨慎支出并非心理怪癖 而是资源有限情况下的审慎做法 [8] - 研究显示 那些将储蓄全部取出的人 往往在退休前余额更少、收入更低 [6]

Key Points 401(k) and Roth 401(k) plans are two ways to save for retirement. In a traditional 401(k), your contributions are tax deferred, and taxes apply only when you begin making withdrawals in retirement. In a Roth 401(k), you pay taxes before you make your contribution, but pay no taxes once you start withdrawing the money. Investors rethink ‘hands off’ investing and decide to start making real money Personal finance guru Dave Ramsey recently weighed in on the subject of 401(k) retirement pl ...

文章核心观点 - 退休账户（如IRA和401(k)）的强制最低提款（RMD）可能对拥有高额账户余额的退休人员构成重大的税务风险，需要提前规划以避免“税务炸弹”[1][2][3] RMD机制与计算 - 美国国税局规定，个人在年满73岁时必须开始从退休账户进行强制最低提款（RMD）[2] - RMD金额根据个人年龄和上一年12月31日的账户余额，结合国税局提供的预期寿命因子计算得出[5] - 举例说明：账户余额10万美元时，RMD约为3,773.60美元；账户余额50万美元时，RMD跃升至约18,867.90美元[5] RMD带来的财务与税务影响 - RMD迫使退休人员改变数十年的储蓄和延税投资习惯，开始出售资产并触发税务负债[4] - 高额账户余额导致更高的RMD，可能将个人推入更高的税级[6] - 额外的RMD收入可能与其他收入结合，导致社会保障福利的应税部分增加，或通过收入相关调整金额提高医疗保险保费[6] 未遵守RMD规定的后果与解决方案 - 未能在截止日期前提取规定金额将面临严厉处罚，国税局可处以应提款金额25%的罚款[7] - 许多投资平台现已提供自动化RMD工具，以帮助退休人员避免错过截止日期和复杂的计算[7]

A 2025 study by Capitalize estimates that Americans have forgotten and abandoned 31.9 million 401(k) accounts. The total retirement savings in those accounts: $2.1 trillion. That’s $2,100,000,000,000, to convey its full weight. It gets to the heart of one of the greatest retirement red flags that no one talks about: Americans having too many accounts. Beyond the obvious risk of forgetting about the account — like the 31.9 accounts found by Capitalize — too many retirement accounts come with other risks, a ...

文章核心观点 - 文章通过一个具体案例 探讨了临近退休年龄才开始进行退休储蓄的可行性 核心观点是即使起步较晚 通过有纪律的储蓄和投资 仍有可能积累可观的退休资产 [1][2][6] 案例人物财务状况 - 案例人物苏珊 57岁 居住在佛罗里达州 承认自己从未考虑过退休规划 [1] - 苏珊在20多岁和30多岁时享受生活 未过多考虑未来 目前储蓄微薄 仅有一个小型IRA个人退休账户 并感到为时已晚 [1] - 其餐饮业务在疫情期间遭受重创 导致每月损失4000美元收入 并被迫出售房屋 五年后仍在努力恢复 [3] - 苏珊目前拥有57000美元的IRA资产 年收入为50000美元 [4] 财务建议与规划方案 - 专家建议苏珊将收入的15% 即每年7500美元 投入罗斯IRA 并投资于成长型股票共同基金 [4] - 规划方案一：若在未来20年每年向罗斯IRA供款7500美元 假设市场平均回报率 到77岁时资产将略超过100万美元 [5] - 规划方案二：若其餐饮业务恢复后收入增加 并将额外资金投入储蓄 有可能在67岁时达到100万美元资产 [5] - 专家指出 这些预测基于持续供款和市场平均回报率的假设 [5] 市场历史表现与长期投资逻辑 - 长期来看 标普500指数在股息再投资的情况下 提供了超过10%的平均年化回报 [6] - 起步较晚并不意味着从零开始 即使是适度但持续的储蓄 在10到20年的时间里也能显著增长 [6]

传统退休账户的税务优势与RMDs概述 - 许多人选择在传统IRA或401(k)中储蓄退休金，主要原因是其提供的前端税收减免，这可以每年带来大量的税收节省 [1] 传统退休账户的潜在税务负担 - 拥有传统退休账户的弊端在于需要关注规定的最低提款额，如果退休者不需要动用这笔资金，RMDs可能会在退休期间造成巨大的税务负担 [2] - 如果忽视RMDs要求，未提取的金额可能面临25%的罚款 [2] 避免当年RMDs的潜在途径 - 对于年满73岁或以上的人士，如果仍在工作，可能可以免除从当前雇主退休计划中提取RMDs，前提是不持有公司5%或以上的股权 [4] - 此例外规则适用于全职或兼职工作，只要作为雇员在工资单上，就无需从当前雇主的退休计划中提取RMD [4] RMDs例外规则的具体限制 - 上述例外规则仅适用于当前雇主提供的退休计划，如果大部分退休储蓄在单独的IRA中，仍需从IRA中提取RMD [5] - 未能从IRA中提取RMD仍可能导致罚款 [5] RMDs资金的优化使用策略 - 若无法完全免除RMDs，可考虑将RMD资金直接捐赠给慈善机构，以抵消相应的IRS纳税义务 [6] - 若不愿捐赠，RMD资金可用于提升生活品质，例如资助家庭梦想度假、举办大型家庭聚会、进行房屋翻新或购置新家具 [8] 关于RMDs的最终建议 - 即使年满73岁或以上，当年也不一定必须提取RMD，但需充分理解例外规则以避免代价高昂的错误 [9] - 若无法完全规避RMDs，应思考如何有效利用这笔资金 [9]

You can find original article here WealthManagement. Subscribe to our free daily WealthManagement newsletters. Financial advisors continue to have a relatively limited role in advising clients on retirement savings rollovers, according to new data on money movement from research firm Hearts & Wallets. According to the analysis of money moves by nearly 6,000 households between financial firms, savers made a record $1 trillion in rollovers last year. But of that pot, advisors were involved in just 22 ...