资源描述：
《为退休节省资金的几条建议.doc》由会员上传分享，免费在线阅读，更多相关内容在工程资料-天天文库。
1、为退休节省资金的几条建议1・Joinyourretirementplanatwork.IVstheeasiestwaytosavebecausemoneyisautomaticallydeductedfromyourpaycheck,hesays・Ifyouremployerdoesn'tofferaretirementplan,ifyou'renoteligibletoparticipateinitorifyou'realreadycontributingthepre-taxmaximumandca
2、naffordtosaveevenmore,thencontributetoanIRA.2.Startsmall・Ifyo『renotcontributinganythingtoaretirementplan,startbycontributing1%ofyourpay.Ifthe1%contributionhurts,thenstayatthatleveluntilitdoesn'thurtanymore,hesays.Ifitdoesn'thurt,thenincreaseyourcontribu
3、tionbyanother1%.Dothatuntilithurts.A1%contributionmaybelesspainfulthanyouthink.Sayyoumake$44,259ayear.Ifyou'repaidtwiceamonth,that*s$1,844perpaycheck.Ifyoucontribute$18.44fromit,youloweryourtaxesbyabout$5,assumingyou'reinthe25%taxbracket,meaningyourpayc
4、heckonlyhastodropby$13・That'saboutadollaraday.3.Startevensmaller.Ifeven1%soundsliketoomuchmoney,makeit$10apaycheck・Thenincreaseby$10incrementsuntilithurts・4.Savehalfyournextraise・Ifyoucan'tcontributeanythingnow,waituntilyournextpayraise・Whenyougetit,put
5、halfyourraiseintotheretirementplan.Yourpaycheckwillstillgoupsome,andyourcontributionwillbecompletelypainless・5.Don'tmissoutoncompanyincentives・Mostemployersthatofferretirementplansgiveincentivesforyoutocontributesomeofyourpaytoyourplan.Manyaddanamounteq
6、ualto3%ofyourpay.6.Findanewjob・Ifyouremployerdoesn'toffermatchingcontributions,findajobwithanemployerthatdoes・Matchingcontributionscanreallyaddup.Consider:Ifyoucontribute$5,000ayearfor40years,earning6%armually,you'llaccumulate$773,810forretirement・Ifyou
7、remployeraddstoyouraccountwitha3%match,thevalueofyouraccountwillbe$232,143more--givingyouatotalofslightlymorethan$1million.7.Investwithalong-termperspective・Youhavetocreateadiversifiedmixofmutualfundsthatinvestinstocks,bonds,realestate,foreignsecurities
8、andgovernmentsecurities・Youcankeepyourmoneyentirelyinvestedinstockfundsprovidedyouunderstandtherisksandyouplantoleaveyourmoneyinvestedinstockfundsforatleastfiveyears,preferablyIonger,Edelmansays・Thesetwocriteriaarecrucialforyourd
