考研英语阅读篇章: 为退休节省资金的几条建议
阅读基础如滴水穿石，连载考研英语阅读篇章，希望大家能保持阅读好习惯。考研英语阅读篇章：为退休节省资金的几条建议
1. Join your retirement plan at work. It's the easiest way to save because
money is automatically deducted from your paycheck, he says. If your employer
doesn't offer a retirement plan, if you're not eligible to participate in it or
if you're already contributing the pre-tax maximum and can afford to save even
more, then contribute to an IRA.
2. Start small. If you're not contributing anything to a retirement plan,
start by contributing 1% of your pay. If the 1% contribution hurts, then stay at
that level until it doesn't hurt anymore, he says. If it doesn't hurt, then
increase your contribution by another 1%. Do that until it hurts.
A 1% contribution may be less painful than you think. Say you make $44,259
a year. If you're paid twice a month, that's $1,844 per paycheck. If you
contribute $18.44 from it, you lower your taxes by about $5, assuming you're in
the 25% tax bracket, meaning your paycheck only has to drop by $13. That's about
a dollar a day.
3. Start even smaller. If even 1% sounds like too much money, make it $10 a
paycheck. Then increase by $10 increments until it hurts.
4. Save half your next raise. If you can't contribute anything now, wait
until your next pay raise. When you get it, put half your raise into the
retirement plan. Your paycheck will still go up some, and your contribution will
be completely painless.
5. Don't miss out on company incentives. Most employers that offer
retirement plans give incentives for you to contribute some of your pay to your
plan. Many add an amount equal to 3% of your pay.
6. Find a new job. If your employer doesn't offer matching contributions,
find a job with an employer that does. Matching contributions can really add
up.
Consider: If you contribute $5,000 a year for 40 years, earning 6%
annually, you'll accumulate $773,810 for retirement. If your employer adds to
your account with a 3% match, the value of your account will be $232,143 more --
giving you a total of slightly more than $1 million.
7. Invest with a long-term perspective. You have to create a diversified
mix of mutual funds that invest in stocks, bonds, real estate, foreign
securities and government securities.
You can keep your money entirely invested in stock funds provided you
understand the risks and you plan to leave your money invested in stock funds
for at least five years, preferably longer, Edelman says. These two criteria are
crucial for your decision to leave money invested in stock funds.
页:
[1]