#IRA #HSA #은퇴연금계좌 #401k #은퇴계좌롤오버
“한권으로 이해하는 미국재정” 책을 출판했습니다.
당신은 은퇴후 생활비 저축을 위해 401(k) 플랜을 적극적으로 사용하는 6천만 명의 미국인 중 한사람 입니까? 401(k) 플랜은 엄청난 인기 임에도 불구하고 모든 사람들의 은퇴 계좌의 표준은 결코 아닙니다. 사실은 IRA가 401(k) 보다 은퇴계좌에 저축하는 사람들에게 더 인기가 있습니다. IRA는 미국 전체 은퇴 자산의 3분의 1 이상을 차지하고 있습니다.

1974년에 처음 도입된 IRA는 지난 50년 동안 폭발적인 성장을 보였습니다. Individual retirement account 의 약어인 IRA 는 2000년의 2조 6000억 달러에서 2021년 1분기때 12조 6000억 달러로 20년 만에 약 다섯배 가량 증가하였습니다.

그러나 IRA는 은퇴를 준비하는 사람들이 주목해야 할 유일한 계정은 아닙니다. 많은 미국인들이 은퇴자금을 보충하기 위해 HSA (Health Savings Account) 를 이용하고 있습니다. HSA 본래의 목적은 은퇴 저축용이 아니지만 세금공제효과와 투자기능이 있습니다. 2021년 8월에 미국 CNBC 유튜브 방송에 나온 영상을 소개합니다….(read more)

LEARN MORE ABOUT: IRA Accounts

CONVERTING IRA TO GOLD: Gold IRA Account

CONVERTING IRA TO SILVER: Silver IRA Account

REVEALED: Best Gold Backed IRA

retirement planning can be a daunting task, especially when it comes to choosing the right investment options for your future. While most people are familiar with 401(k) plans, there are two other popular investment options that offer unique benefits – IRA and HSA. If you’re not well-versed in these options, you could be missing out on some great advantages.

Firstly, let’s talk about IRA or Individual retirement account. These investment accounts are open to anyone who has earned income and wants to save for retirement. There are two types of IRA – traditional and Roth. With traditional IRA, your contributions are tax-deductible, and the money grows tax-free until you withdraw it during retirement. Roth IRA, on the other hand, is funded by after-tax dollars, and any withdrawals during retirement are tax-free.

The biggest advantage of IRA is the flexibility it offers. You can choose how to invest your money and are not limited to the investment options provided by your employer’s 401(k) plan. Plus, you can contribute up to $6,000 per year (or $7,000 if you’re over 50 years old) which can help you maximize your retirement savings.

Another investment option that gets overlooked is HSA or Health Savings Account. Although HSA is primarily used to cover healthcare expenses, it can also provide a tax-efficient way to save for retirement. With HSA, you can contribute pre-tax money that grows tax-free and is not taxed when used for qualified medical expenses. Moreover, once you reach age 65, you can withdraw the money from your HSA without penalty, and it will be taxed as regular income (just like traditional IRA).

The main advantage of HSA is that it offers a triple tax benefit. You get to contribute pre-tax money, the account grows tax-free, and qualified medical expenses are tax-free as well. Additionally, unlike the “use it or lose it” feature of flexible spending accounts, HSA funds roll over year after year, and you can carry them into retirement.

In conclusion, while 401(k) plans are a great investment option, they’re not the only one. An IRA or HSA can offer unique benefits that can help you maximize your retirement savings. It’s essential to research and understand your options and consult with a financial advisor to make informed decisions. Don’t miss out on these opportunities and regret not taking advantage of them later on.