401(k)를 통해 세가지 세금 혜택을 누리며 여유로운 은퇴를 준비하는 방법을 함께 알아보아요!

00:00 Start 시작
00:24 What is 401(k)? 직장 은퇴 계좌 제도란 무엇인가?
00:43 Three Tax Advantages of 401 (k) 세가지 세금 혜택들
01:29 Tax Advantages with Contribution 적립할 때 세금 감면 효과
03:52 401(k) 시뮬레이션 – 연봉 6만불로 560만불 만들기
07:22 Contribution and Employer Match 적립과 고용인 보조
08:36 Investment Options 투자 방법들
09:55 Target Date Fund 은퇴 시점 지정 펀드
12:17 Self Fund Selection 직접 펀드 고르기
14:41 Loan 대출
15:31 Withdrawal with Retirement 은퇴 후 인출

*영상에 빠진 중요한 내용: 59세반 이전에 인출시 10%의 IRS Penalty가 부과되며 인출한 해 소득에 포함되어 소득세 계산에서 불리해 질 수 있습니다. 특수한 몇가지 경우에만 Penalty가 면제될 수도 있으니 IRS 홈페이지나 세무/회계사와 상담 하시기 바랍니다….(read more)

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Learning about 401(k) Together

Planning for retirement is something that everyone needs to consider at some point in their lives. One of the most popular retirement savings options is the 401(k) plan, which is offered by many employers. However, understanding how a 401(k) works and how to make the most of it can be daunting. That’s where 함께 배우는 401(k) comes in.

함께 배우는 401(k) (Learning about 401(k) Together) is a program designed to help individuals and employees understand the ins and outs of their 401(k) plans. The program provides education on topics such as how to enroll in a 401(k) plan, how contributions work, and how to invest the funds within the plan. It also covers important topics like employer matching contributions, vesting schedules, and the tax implications of 401(k) withdrawals.

One of the key benefits of 함께 배우는 401(k) is that it creates a supportive and collaborative learning environment. Participants can learn from each other’s experiences, ask questions, and work through the complexities of retirement planning together. This sense of community can make the process of learning about 401(k) plans more engaging and less overwhelming.

Another advantage of 함께 배우는 401(k) is that it provides a structured curriculum that guides participants through the various aspects of 401(k) plans. This can help ensure that important topics are covered thoroughly and that individuals have a comprehensive understanding of their retirement savings options.

Overall, 함께 배우는 401(k) is a valuable resource for anyone looking to make the most of their 401(k) plan. By participating in the program, individuals can gain the knowledge and confidence they need to take control of their retirement savings and build a secure financial future. Whether you are an employee looking to maximize the benefits offered by your employer’s 401(k) plan, or an individual seeking to understand how to best save for retirement, 함께 배우는 401(k) can provide the education and support you need. After all, when it comes to retirement planning, we’re all in it together.