可能会毁掉你退休生活的8个错误
Pursuing your retirement dreams is challenging enough without making some common, 这是可以避免的, 错误. Here are eight big 错误 to steer clear of, if possible.
- 没有战略: Yes, the biggest mistake is having no strategy at all. 没有策略, 你可能没有目标, leaving you no way of knowing how you’ll get there—and if you’ve even arrived. Creating a strategy may increase your potential for success, both before and after retirement.
- 频繁的交易当前位置追逐“热门”AG捕鱼王新版app下载往往导致绝望. Create an asset allocation strategy that is properly diversified to reflect your objectives, 风险承受能力, and time horizon; then make adjustments based on changes in your personal situation, 不是因为市场的起伏.1
- 没有最大化递延税收的储蓄: Workers have tax-advantaged ways to save for retirement. Not participating in your employer’s 401(k) may be a mistake, especially when you’re passing up free money in the form of employer-matching contributions.2
- 优先考虑大学资助而不是退休你孩子的大学教育很重要, but you may not want to sacrifice your retirement for it. Remember, you can get loans and grants for college, but you can’t for your retirement.
- 忽视医疗成本: Extended care may be an expense that can undermine your financial strategy for retirement if you don’t prepare for it.
- Not Adjusting Your AG捕鱼王新版app下载 Approach Well Before 退休: The last thing your retirement portfolio can afford is a sharp fall in stock prices and a sustained bear market at the moment you’re ready to stop working. Consider adjusting your asset allocation in advance of tapping your savings so you’re not selling stocks when prices are depressed.3
- 退休时负债累累当你在赚钱的时候，如果太多的债务是不好的, 当你退休后，这可能是致命的. Consider managing or reducing your debt level before you retire.
- 这不仅仅是钱的问题最重要的, 有回报的退休生活需要身体健康, 所以保持健康的饮食, 定期锻炼, 保持社交活动, 保持智力活跃.
1. The return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost. Asset allocation and diversification are approaches to help manage investment risk. Asset allocation and diversification do not guarantee against investment loss. 过去的表现不能保证未来的结果.
2. 根据《AG捕鱼王新版app下载》, 在大多数情况下, you must begin taking required minimum distributions from your 401(k) or other defined contribution plan in the year you turn 73. Withdrawals from your 401(k) or other defined contribution plans are taxed as ordinary income, 如果在59岁半之前服用, 可能要缴纳10%的联邦所得税罚款."
3. The return and principal value of stock prices will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost. Asset allocation is an approach to help manage investment risk. Asset allocation does not guarantee against investment loss. 过去的表现不能保证未来的结果.
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