A number of changes are coming to 401(k) plans in 2026, including higher contribution limits for all account holders. The amount individuals can contribute to their 401(k) plans will rise to $24,500 in 2026 from $23,500 for 2025, according to the IRS. Trending Now: Suze Orman Says If You’re Doing This, You’re ‘Making the Biggest Mistake in Life’ Try This: 6 Things You Must Do When Your Savings Reach $50,000 Another change, included in the Secure 2.0 Act of 2022, targets high earners over 50 only. This ch ...

Many Americans have access to retirement planning through their employers via a 401(k) plan. These employer-sponsored retirement plans simplify saving for retirement in various ways. For years, most plans were traditional, meaning the funds went into your 401(k) account pre-tax, giving you the tax benefit now. Roth 401(k) plans have grown in popularity in recent years, which gives the tax benefit upon withdrawal of funds. While 85% of employer-sponsored plans offer a Roth 401(k) option, only 18% take adv ...

核心观点 - 文章核心观点：积累第一个10万美元是实现长期财务成功和加速财富增长的关键转折点 文章通过数据、案例和多种投资工具（如零钱投资应用、房地产众筹、退休账户等）阐述了达成这一目标的策略和途径 [4][5] 投资策略与工具 - **零钱投资应用Acorns**：通过关联银行账户或信用卡 自动将日常消费金额向上取整至最近的美元 并将差额投资于多元化的ETF投资组合 例如Vanguard S&P 500 ETF [1] - **零钱投资效果**：以每日2.50美元的取整投资额计算 一年可积累超过900美元 这还不包括市场收益和复利 [6] - **定期投资的力量**：假设每月投资833美元 以标普500指数自1957年以来10.26%的年化复合回报率计算 仅需略多于7年即可达到10万美元里程碑 [2] - **复利效应**：当投资旅程达到一个临界点后 从先前投入和累积资本中获得的收益将超过新投入的贡献 例如从0开始 每月投资833美元 以7%回报率计算 大约8年可积累第一个10万美元 再经过32年可达到100万美元 [3] - **增加投资额**：通过副业、自由职业或加班 可将每月投资额从833美元提升至900甚至1000美元 以加速财富积累 [8] 房地产投资替代方案 - **传统房地产投资挑战**：尽管盖洛普2024年调查显示36%的受访者认为房地产是最佳投资选择 但美国飙升的房价以及物业维护、寻找可靠租客等麻烦 使许多人难以通过购买出租物业来建立被动收入流 [9] - **房地产众筹平台Homeshares**：为合格投资者提供参与住宅净值协议投资组合的机会 使房主无需月供即可获得现金 而投资者分享房产未来增值 该方式让投资者接触美国顶级城市庞大且未充分开发的市场 无需承担房东的麻烦或高杠杆风险 [10][11] - **住宅净值协议特点**：HEAs通常覆盖房屋价值的25%至35% 并处于有担保的留置权位置 这有助于在市场下跌时保护投资 且与传统房地产不同 HEAs通常能抵御利率变动 即使在经济不确定性时期也能提供有吸引力的风险调整后回报 [12] - **Homeshares投资回报**：通过投资于多元化优质住宅组合 目标回报率为14%至17% [13] - **房地产投资平台Arrived**：该平台得到杰夫·贝佐斯等世界级投资者支持 允许投资者以低至100美元的金额投资度假和租赁物业的份额 从而获得被动收入流 无需承担房东的额外工作 [14] - **Arrived平台特点**：提供超过400处位于60个城市的物业选择 并新推出了二级市场 投资者可在平台上直接买卖单个租赁和度假租赁物业的份额 增加了灵活性和获取更多物业的机会 [15][16] 退休账户与雇主计划 - **利用雇主401(k)匹配计划**：这是加速进入六位数财富俱乐部的一个策略 根据美国计划发起人协会的研究 2023年提供401(k)计划的公司中98%以不同程度匹配员工缴款 [17] - **无雇主计划的选择**：根据美国退休人员协会的报告 2022年大约47%的18至64岁美国员工所在企业不提供任何类型的退休计划 但这不应阻止个人开设税收优惠的退休账户 如自管IRA [18] - **黄金IRA**：开设黄金IRA可以通过保护储蓄免受通胀影响来安全地增加净资产 并进一步分散投资组合 [19] - **贵金属公司Priority Gold**：该行业领先公司提供黄金和白银的实物交付 提供100%免费的IRA转入服务 以及免费运输和长达五年的免费存储 符合条件购买还可获得高达1万美元的免费白银 [20]

When it comes to helping your kids financially, most boomers face a tricky question: how do you transfer money without the IRS taking a huge cut? Read More: How Much You Need To Earn To Be Upper Middle Class in Every State Discover Next: How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too I talked with Lance Morgan, financial expert and founder of College Funding Secrets, to find out the smartest strategy. His answer centered on a specific dollar amount that caught me off gu ...

Steer clear of these blunders to make the most of your account.There are a number of different accounts you can put money into that come with built-in tax breaks. And it pays to maximize those accounts when possible.Traditional IRAs and 401(k) plans, for example, give you a tax break on your contributions. Roth IRAs and 401(k)s give you tax-free investment gains, as well as tax-free withdrawals. The nice thing about HSAs is that they combine all of those benefits into a single account you can fund for medic ...

退休储蓄账户平均余额 - 2025年第三季度 个人退休账户平均余额上升至137,902美元 [1] - 2025年第三季度 401(k)计划平均余额上升至144,400美元 [1] 提升退休储蓄的策略 - 应充分利用雇主提供的401(k)匹配供款 这是无需放弃的免费资金 [3] - 需了解匹配供款的具体条款 并确认雇主的权益归属时间表 [3] - 若匹配条件可达且易于获取 应尽力提高储蓄率以获取全额匹配 可能需重新规划支出或考虑兼职以增加供款资金 [4] - 从雇主处获得的每一美元匹配供款都可进行投资 长期将显著增加储蓄 [5] 利用薪资增长增加储蓄 - 若2026年获得加薪 无论是基于生活成本还是绩效 从一开始就将增加部分用于储蓄是有效的策略 [6] - 对于401(k)计划 可通知薪资部门按加薪幅度提高供款比例 [7] - 对于个人退休账户 可设置定期供款以自动存入加薪部分 [7]

Canva | tab1962 and Minerva Studio Quick Read A $150,000 retirement savings balance isn’t huge for someone who’s 55. Before you panic, see how much you can reasonably save during the tail end of your career. Talk to a financial advisor about ways to salvage your situation and minimize your stress. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here   ...

401(k)计划参与者的普遍知识缺口 - 许多美国工作者难以恰当理解、追踪和管理其401(k)计划，导致微小的偏差可能严重危及退休目标 [1] - 一项2024年的研究显示，约9200万美国人已在401(k)计划中累计储蓄超过7万亿美元，但许多人对基本机制（如更换雇主时的分配选项）理解困难 [2] - 另一项研究发现，85%的计划参与者在回答关于计划的基本问题时存在困难 [2] 常见的成本高昂的错误 - 许多工作者从默认缴费率开始且从不考虑上调，而许多雇主设定的默认自动缴费率约为3%，这对于建立充足的退休储蓄而言过低 [4] - 尽管越来越多的401(k)计划包含自动增缴功能（通常每年自动增加1%直至上限），但许多计划仍无此功能，且更换雇主后可能再次被默认设置为较低的缴费率 [4][5] - 在假设年薪10万美元、年回报率10%不变的情况下，仅以3%的比例缴费需要近38年才能积累100万美元，而将缴费率提高至5%则可将时间缩短至32年，提前6年达成目标 [5][6]

Gold prices have surged roughly 60% in 2025 — far outpacing the S&P 500’s mid-teens gains this year (5, 6). Many investors see gold as a safe haven during rough economic times, making it a worthwhile consideration when planning your retirement nest egg.Opening a self-directed retirement account like an individual retirement account (IRA) can help you in this case. The main benefit? You can grow your assets tax-free or defer paying tax until you retire.But you might be one of many Americans who don’t have ac ...

Canva | GeorgePeters from Getty Images Signature and 77DZIGN from Getty Images Signature Key Points 401(k) plans typically do not allow individual stocks. This limits the ability to beat market returns. Early withdrawal penalties apply before age 59.5. Exceptions exist if you leave your employer at 55 or later. Direct rollovers avoid penalties better than indirect rollovers when changing jobs. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Am ...