SmartAsset and Yahoo Finance LLC may earn commission or revenue through links in the content below. There is no age limit on Roth conversions, so you can transfer pre-tax savings into a Roth IRA regardless of your age or retirement status. As long as you have qualifying funds in a pre-tax portfolio, you can move them to an after-tax Roth account. That doesn’t mean a conversion is always wise. For households in retirement, the benefits of a Roth conversion are often relatively minor compared with the cos ...

On a recent podcast, celebrity investor Suze Orman proclaimed that the best way to avoid this ‘tax torpedo’ was “to only have Roth retirement accounts — bar none,” effectively decreasing reliance on Social Security.For single filers with income above $34,000 or married couples above $44,000, up to 85% of Social Security benefits can be taxed. Even if your income is between $25,000–$34,000 (single) or $32,000–$44,000 (couple), 50% of benefits may be taxed. This affects 40% of beneficiaries, and your tax rate ...

医疗保险和社会保险调查结果 - 80%尚未加入医疗保险的美国人担心该计划未来无法为他们提供服务 其中千禧一代最为悲观 [4] - 76%受访者低估或不清楚退休后平均医疗成本 40%预期花费不超过10万美元 但实际平均成本接近20万美元 [4] - 34%受访者不愿通过增税或削减福利来维持医疗保险 30%愿意削减现有受益人福利 24%愿意增加工资税 [4] 社会保险认知偏差 - 80%未参保者担心社会保险不可持续 婴儿潮一代担忧比例最低(68%) 千禧一代最高(85%) [4] - 28%低估获得社会保险所需工作年限 26%高估年限 26%不清楚 仅20%正确选择10年标准 [4] - 47%低估平均月度社会保险支付金额(约2000美元) 35%高估 仅17%回答正确 [4] - 54%认为社会保险偿付能力将维持至2033年后或不确定 17%预期可持续至2050年后 [4] 公众态度与行业洞察 - 78%受访者对医疗保险持正面看法 但81%仍担忧退休医疗费用 [4] - 73%对社会保险持积极态度 [4] - 行业专家强调需建立退休医疗成本现实预期 建议通过专业理财规划优化保障方案 [3] 调查背景与公司信息 - 调查由eHealth与Retirable联合开展 2025年6月采集1111份样本 误差幅度±3% [6] - eHealth运营在线健康保险市场 连接180余家保险公司 提供25年保险经纪服务 [7] - Retirable专注退休规划平台 提供投资/计划/支出全周期服务 2019年由CFP专业人士创立 [9]