Es necesario prepararse para el retiro y en las escuelas no nos enseñan. Debido a esto en el video de hoy estaré hablando con ustedes acerca de las cuentas de retiro más populares alla afuera, el 401K y el IRA. Qué son, cómo funcionan, y cual es mejor.
Que lo disfruten!

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❗️AVISO: Todos los temas que hablo en este canal no son consejos financieros profesionales. No soy un asesor financiero. Si usted invierte en la bolsa o decide tomar cualquier decision con su dinero es últimamente su decision y de nadie más. Lo que hablo en mi canal es mi experiencia con las finanzas y mi opinion, con fin de entretenimiento.
Ademas, ciertos enlaces en la descripción de este video pueden ser enlaces afiliados, o sea, sin ser de ningún costo a usted, yo puedo estar recibiendo una comisión si usted hace click, completa una compra, o se suscribe a un servicio
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#FernFinance…(read more)

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Las MEJORES Cuentas De Retiro En Los EEUU (401K Y IRA Explicadas)

When it comes to planning for retirement, saving in the right type of account is crucial. In the United States, two of the most popular retirement accounts are the 401(k) and the IRA. Both of these accounts offer individuals the opportunity to save for retirement in a tax-advantaged manner, but understanding the differences between them can help individuals make the best choice for their financial future.

A 401(k) is an employer-sponsored retirement savings plan that allows employees to contribute a portion of their salary to a retirement account. These contributions are made on a pre-tax basis, which means that the money is not subject to income tax until it is withdrawn in retirement. Employers often match a portion of the employee’s contributions, making 401(k) plans a valuable savings vehicle for retirement.

On the other hand, an Individual retirement account (IRA) is a retirement savings account that individuals can open on their own, outside of their employer. There are two main types of IRAs: traditional and Roth. With a traditional IRA, contributions are made on a pre-tax basis, similar to a 401(k). However, with a Roth IRA, contributions are made with after-tax dollars, and withdrawals in retirement are tax-free.

Each type of account has its own advantages and disadvantages. For example, a 401(k) often has higher contribution limits than an IRA, making it a good choice for individuals who want to save more for retirement. Additionally, many employers offer matching contributions to 401(k) accounts, which can help individuals grow their retirement savings faster.

On the other hand, an IRA offers individuals more control over their investments, as they can choose where to invest their money. This can be beneficial for individuals who want more flexibility in their investment choices.

In conclusion, both 401(k) and IRA accounts are excellent options for saving for retirement in the United States. Understanding the differences between these accounts can help individuals make the best choice for their financial future. Whether you choose a 401(k) or an IRA, starting to save for retirement early and consistently can help ensure a comfortable and secure retirement in the future.