Account fees: The account is relatively low-cost. There’s no joining fee, and management fees are legally capped at 0.10% per year.Withdrawal rules: The funds you deposit can’t be withdrawn until the child turns 18 (unless you’re rolling over to a similar account elsewhere). After that, withdrawals are subject to standard IRA-style distribution rules, and early withdrawals will incur tax penalties.Contribution rules: Family members, friends, employers, and charitable organizations can all contribute to a ch ...

A lot of retirees use annuities to simplify their income stream in retirement but that doesn’t mean annuities are simple. Beyond choosing what kind of annuity to purchase – immediate vs. deferred and fixed, indexed or variable, you’ll also need to consider how to receive your annuity payments. You can receive a lump sum from your annuity, a life option that pays over your lifetime and, if you choose, a spouse, other survivors or an estate, or a systematic stream of fixed payments that you receive annually ...

You have two options for individual retirement accounts (IRAs): traditional or Roth. Which one can help you secure the retirement you want? Find out now with this breakdown of how traditional and Roth IRAs differ. We'll also cover the factors to consider when choosing between these retirement account types. Learn more: What is an IRA and how does it work? Understanding IRAs Traditional and Roth IRAs have powerful tax advantages that help you save more for retirement. Both offer tax-deferred earnings. T ...

退休账户管理策略 - 将401(k)资金转入IRA或转换为罗斯IRA存在多种益处 [2] - 从401(k)转入传统IRA是免税交易 但未来提款需缴纳所得税 [8] - 转换为罗斯IRA会导致当期对全部转换金额纳税 但符合条件的提款将免税 [8] 投资配置与增长 - 将IRA账户全额保持为现金可能会削弱其税收递延增长的一些好处 [2] - 资金以现金形式持有且不进行投资 可能导致多年来的收益损失和购买力下降 [3] - 为退休储蓄提供尽可能长的复利增长时间 是享受更宽裕退休生活的最佳机会 [3] 账户选择与费用 - 将资金从401(k)移至IRA的优势包括更多的投资选择 [7] - 其他优势包括对退休账户的更多控制权 更低的成本 以及账户内的低佣金或无佣金交易 [9] - 优势还涵盖直接访问账户信息 以及提款时可选的税收预扣 [9]

税务影响分析 - 一次性提取全部401(k)资金可能导致大部分余额按最高税率征税，而分多年提取可使更多资金适用较低税率 [4] - 401(k)提供税收递延增长，资金在账户内的增长速度快于需每年为收益纳税的应税账户（如存单） [5] - 立即承担税负可能显著降低资金持续满足退休需求的可能性 [5] 退休资产配置策略 - 退休人员可保留相当于一至三年生活开支的大额现金储备，与投资组合分开管理 [6] - 现金储备可存放于支票账户、储蓄账户和存单的组合中，在确保安全的同时赚取利息 [7] - 可每6至12个月通过从401(k)等退休账户进行节税提款来补充现金储备 [7]