Five Tips to Regain Your Retirement Savings Focus in 2021
到2020年初，61%的美国人认为，美国的经济增长速度是最快的.S. workers surveyed said that retirement planning makes them feel stressed.1 Investor confidence was continually tested as the year wore on, and it’s likely that this percentage rose — perhaps even substantially. 如果你 find yourself among those feeling stressed heading into the new year, these tips may help you focus and enhance your retirement savings strategy in 2021.
1. 考虑将你的存款增加1%. 如果你在工作时参加了退休储蓄计划, 承诺将你的缴款率提高1%, and then try to increase it again whenever possible until you reach the maximum amount allowed. The chart below illustrates the powerful difference contributing just 1% more each year can make over time.
Maria and Nick are hired at the same time at a $50,000 annual salary. Both contribute 6% of their salaries to their retirement accounts and receive a 3% raise each year. 尼克在他的职业生涯中始终保持6%的增长率, while Maria increases her rate by 1% each year until she hits 15%. After 30 years, Maria would have accumulated more than double the amount that Nick has.
假设年平均回报率为6%. This hypothetical example of mathematical compounding is used for illustrative purposes only and does not represent the performance of any specific 投资. 它假设每月缴款和每月复利. Fees, expenses, and taxes were not considered and would reduce the performance shown if included. 实际结果会有所不同.
2. 检讨你的税务情况. It makes sense to review your retirement savings strategy periodically in light of your current tax situation. That’s because retirement savings plans and IRAs not only help you accumulate savings for the future, 他们现在可以帮助你降低所得税.
Every dollar you contribute to a traditional (non-Roth) retirement savings plan at work reduces the amount of your current taxable income. If neither you nor 你的配偶 is covered by a work-based plan, contributions to a traditional IRA are fully deductible up to annual limits. 如果你, 你的配偶, 或者你们都参加一个以工作为基础的计划, your IRA contributions may still be deductible unless your income exceeds certain limits.
Note that you will have to pay taxes on contributions and earnings eventually, 当你取钱的时候. 除了, withdrawals prior to age 59½ may be subject to a 10% penalty tax, 除非有例外.
3. 平衡,如果必要的. Market turbulence throughout the past year may have caused your target asset allocation to shift toward a more aggressive or conservative profile than is appropriate for your circumstances. 如果你的投资组合没有自动重新平衡, now might be a good time to see if adjustments need to be made.
通常, there are two ways to rebalance: (1) you can do so quickly by selling securities or shares in the overweighted asset class(es) and shifting the proceeds to the underweighted one(s), or (2) you can rebalance gradually by directing new 投资s into the underweighted class(es) until the target allocation is reached. Keep in mind that selling 投资s in a taxable account could result in a tax liability. Asset allocation is a method used to help manage 投资 risk; it does not guarantee a profit or protect against 投资 loss.
4. 重新审视你的储蓄目标. When you first started saving in your retirement plan or IRA, you may have estimated how much you might need to accumulate to retire comfortably. 如果你 experienced any major life changes during the past year — for example, 工作或婚姻状况的改变, 一个继承, or a new family member — you may want to take a fresh look at your overall savings goal as well as the assumptions used to generate it. As circumstances in your life change, your savings strategy will likely evolve as well.
5. 了解计划的所有特点. Work-based retirement savings plans can vary from employer to employer. 你对你的计划的具体特点有多熟悉? Does your employer offer a matching and/or profit-sharing contribution? 你知道它是怎么运作的吗? Are company contributions and earnings subject to a vesting schedule (i.e., a waiting period before they become fully yours) and, if so, do you understand the parameters? 你的计划提供贷款或困难取款吗? 你在什么情况下会拿到这笔钱? 你可以向Roth或税后捐款吗, which can provide a source of tax-free income in retirement? Review your plan’s Summary Plan Description to ensure you take maximum advantage of all that your plan has to offer.
所有的投资都有风险, 包括可能的本金损失, and there is no guarantee that any 投资 strategy will be successful.