增加退休储蓄的方法

今天, 美国人的寿命比以往任何时候都长, and that means longer retirements than previous generations. 根据研究, the average person spends anyw在这里 from 10 to 20 years in retirement.

Many financial advisors suggest you'll need 70-80% of your annual pre-retirement income to maintain your standard of living.

关于如何为退休储蓄的想法

• 决定你希望你的退休生活是什么样子. Whether you're planning to travel extensively or kick back by a lake, 你的收入需要维持你的生活方式. Once you decide how you'd prefer to spend your retirement days, 你可以制定一个策略来帮助你实现目标.
• 从现在开始——不管你多大. If possible, it’s a good idea to start saving for retirement as soon as you get your first job. 如果没有，那就尽快开始. Although you might need to devote more funds to 退休储蓄 the later you begin. Regardless of your age, simply start saving and save what you can while you can.
• 评估你的财务状况. 现实地审视一下你目前的财务状况. 看看你省了多少钱, 你的债务, the amount of life insurance you have and what you have available in emergency funds. 与金融专业人士交谈.
• 增加储蓄. It's never too early — or too late — to add to your 退休储蓄. Increasing what you save for retirement by one or two percent each year adds up over time. 如果即将退休，那就考虑一下 追赶的贡献，这可以帮助改善你的财务状况. Set up automatic deductions from your paycheck for whatever frequency and amount works with your 预算. 评估您的储蓄进度与我们的 退休储蓄计算器.
• 消除债务. Those in the financial industry recommend keeping debt level manageable: no more than 35% of your income. Getting rid of high-interest debt 如 credit card balances is something to consider. 在你退休之前, think about eliminating as much debt as possible so that you aren't servicing it with your savings. 考虑 还清房贷 在你停止工作之前.
• 开设自己的退休储蓄账户. 开一个单独的退休储蓄账户，比如 爱尔兰共和军这是一个很好的选择，有几个原因. If your employer offers their own program and you’ve opted in, then contributing to a separate 退休储蓄 account can help you speed up your 退休储蓄. 如果你没有雇主赞助的项目, then opening your own tax-advantaged 退休储蓄 account gives you the ability to prepare for the future, 不管你的雇主提供或不提供什么.
• 至少存足够的钱让你的雇主匹配. Your first step should be to find out if your employer offers a retirement plan and/or 401k 以及他们是否提供匹配. 如果是这样的话, meet with your benefits coordinator to find out how to take advantage of it to the fullest potential. Many employers will match your contribution, dollar for dollar, up to a certain percentage. Your first goal should be to contribute what you need to get the full match, and then add more to your contribution as it fits in your 预算. Be sure to also check any vesting policies your company may have.
• 让你的钱发挥作用. 提出了, 礼物, 奖金, tax refunds and any other unexpected income are other ways to help build your savings for retirement. 除了, if you have allocated a certain amount toward debt repayment, 用这些钱来增加你的 退休储蓄 一旦你的债务消除了.
• 每年回顾和修改你的计划. Review with a financial professional every year to see if you're still on track. It's also a good idea to review your insurance coverage periodically, 当你的生活发生变化时, 比如当你结婚或生孩子的时候. 当你即将退休时, you might decide to shift some of your savings to income-producing investments, 如 年金. Or, to keep your nest egg intact, your plan may be to continue 再工作几年 退休.