退休后的税务效率
Will you pay higher taxes in retirement? 这是有可能的. But that will largely depend on how you generate income. 是因为工作吗? 是来自退休计划吗? And if it does come from retirement plans, it’s important to understand which types of plans will be financing your retirement.
Another factor to consider is the role Social Security will play in your retirement. When do you plan to start to take Social Security benefits? If you have a spouse, when do they plan on taking benefits? It’s critical to answer key Social Security benefits questions so you have a better understanding of how it will affect your taxable income.
什么是税前投资? Traditional IRAs and 401(k)s are examples of pre-tax investments that are designed to help you save for retirement.
You won’t pay any taxes on the contributions you make to these accounts until you start to take distributions. Pre-tax investments are also called tax-deferred investments, as the money you accumulate in these accounts can benefit from tax-deferred growth.
For individuals covered by a retirement plan at work, the tax deduction for a traditional IRA in 2024 is phased out for incomes between $123,000元及143元,000 for married couples filing jointly, 在77美元之间,000元及87元,000美元的单一申报者.1
Keep in mind that once you reach age 73, you must begin taking required minimum distributions from a traditional IRA, 401(k), and other defined contribution plans in most circumstances. Withdrawals are taxed as ordinary income and, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty.
什么是税后投资? 罗斯个人退休账户是最著名的. When you put money into a Roth IRA, the contribution is made with after-tax dollars. Like a traditional IRA, contributions to a Roth IRA are limited based on income. 2024年, contributions to a Roth IRA are phased out between $230,000元及240元,000 for married couples filing jointly and between $146,000元及161元,000美元的单一申报者.1
To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and occur after age 59½. 税-free and penalty-free withdrawals can also be taken under certain other circumstances, 比如房主去世了. The original Roth IRA owner is not required to take minimum annual withdrawals.
还记得, this article is for informational purposes only and is not a replacement for real-life advice, 所以一定要咨询你的税务, 法律, or financial professionals before modifying your retirement strategy.
Are you striving for greater tax efficiency? In retirement, it is especially important – and worth a discussion. A few financial adjustments may help you manage your tax liabilities.
1. 国税局.政府,2024
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or 法律 advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult 法律 or tax professionals for specific information regarding your individual situation. This material was developed and produced by love爱博体育app下载 to provide information on a topic that may be of interest. 消费品, 有限责任公司, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和 material provided are for general information, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 love爱博体育app下载.
