안녕하세요. 미국에서 개미처럼 일하는 미국개미입니다.
사람이 살다보면 중년, 장년을 지나 노후를 맞게되는데요 노후준비를 중, 장년부터 시작을해야 좀 더 편한 노후를 보낼수있겠죠?
그 과정으로 개인연금인 IRA에 대해 알아보았습니다.
여러분들도 늦지않게 차근차근 IRA 또는 401K로 준비하시기 바랍니다.
구독과 좋아요 꼭 눌러주시고 구독자 및 미래의 구독자 여려분 건강하세요….(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

Preparing for retirement is an essential part of financial planning, and in the United States, one of the most popular retirement saving options is the Individual retirement account (IRA). An IRA is a type of investment account that provides tax benefits for retirement savings.

There are two main types of IRAs, traditional and Roth. With a traditional IRA, you may be able to deduct contributions from your taxable income, and the funds grow tax-deferred until you withdraw them in retirement. With a Roth IRA, you don’t get an upfront tax deduction, but your withdrawals in retirement are tax-free.

To open an IRA, you must be under the age of 70 and a half and have earned income. You can contribute up to a certain amount each year, depending on your age and income level. In 2020, the maximum contribution for those under 50 is $6,000, and for those 50 and older, the contribution limit increases to $7,000.

One of the benefits of an IRA is that your investment options are typically more extensive than those in employer-sponsored retirement plans. You can invest in stocks, bonds, mutual funds, and other assets, depending on the IRA provider.

Another advantage of an IRA is that you can open one regardless of whether you have an employer-sponsored retirement plan or not. If you do have a retirement plan at work, you might still be eligible to contribute to an IRA, depending on your income level.

There are cons, however. Withdrawing funds early from an IRA can incur penalties and taxes. Additionally, the ability to deduct traditional IRA contributions for taxes phases out as income increases, and Roth IRA contributions phase out at certain income levels.

Overall, an IRA can be an excellent way to save for retirement and provide tax advantages. Before opening an IRA account, consider your options and consult with a financial advisor to determine the best plan for your retirement goals.