为退休节省资金的几条建议
<p> 为退休节省资金的几条建议 1. <span word="Join">Join</span> <span word="your">your</span> <span word="retirement">retirement</span> <span word="plan">plan</span> <span word="at">at</span> <span word="work">work</span>. <span word="It">It</span> <span word="s">s</span> <span word="the">the</span> <span word="easiest">easiest</span> <span word="way">way</span> <span word="to">to</span> <span word="save">save</span> <span word="because">because</span> <span word="money">money</span> <span word="is">is</span> <span word="automatically">automatically</span> <span word="deducted">deducted</span> <span word="from">from</span> <span word="your">your</span> <span word="paycheck">paycheck</span>, <span word="he">he</span> <span word="says">says</span>. <span word="If">If</span> <span word="your">your</span> <span word="employer">employer</span> <span word="doesn">doesn</span> <span word="t">t</span> <span word="offer">offer</span> <span word="a">a</span> <span word="retirement">retirement</span> <span word="plan">plan</span>, <span word="if">if</span> <span word="you">you</span> <span word="re">re</span> <span word="not">not</span> <span word="eligible">eligible</span> <span word="to">to</span> <span word="participate">participate</span> <span word="in">in</span> <span word="it">it</span> <span word="or">or</span> <span word="if">if</span> <span word="you">you</span> <span word="re">re</span> <span word="already">already</span> <span word="contributing">contributing</span> <span word="the">the</span> <span word="pre">pre</span>-<span word="tax">tax</span> <span word="maximum">maximum</span> <span word="and">and</span> <span word="can">can</span> <span word="afford">afford</span> <span word="to">to</span> <span word="save">save</span> <span word="even">even</span> <span word="more">more</span>, <span word="then">then</span> <span word="contribute">contribute</span> <span word="to">to</span> <span word="an">an</span> <span word="IRA">IRA</span>. 2. <span word="Start">Start</span> <span word="small">small</span>. <span word="If">If</span> <span word="you">you</span> <span word="re">re</span> <span word="not">not</span> <span word="contributing">contributing</span> <span word="anything">anything</span> <span word="to">to</span> <span word="a">a</span> <span word="retirement">retirement</span> <span word="plan">plan</span>, <span word="start">start</span> <span word="by">by</span> <span word="contributing">contributing</span> 1% <span word="of">of</span> <span word="your">your</span> <span word="pay">pay</span>. <span word="If">If</span> <span word="the">the</span> 1% <span word="contribution">contribution</span> <span word="hurts">hurts</span>, <span word="then">then</span> <span word="stay">stay</span> <span word="at">at</span> <span word="that">that</span> <span word="level">level</span> <span word="until">until</span> <span word="it">it</span> <span word="doesn">doesn</span> <span word="t">t</span> <span word="hurt">hurt</span> <span word="anymore">anymore</span>, <span word="he">he</span> <span word="says">says</span>. <span word="If">If</span> <span word="it">it</span> <span word="doesn">doesn</span> <span word="t">t</span> <span word="hurt">hurt</span>, <span word="then">then</span> <span word="increase">increase</span> <span word="your">your</span> <span word="contribution">contribution</span> <span word="by">by</span> <span word="another">another</span> 1%. <span word="Do">Do</span> <span word="that">that</span> <span word="until">until</span> <span word="it">it</span> <span word="hurts">hurts</span>. <span word="A">A</span> 1% <span word="contribution">contribution</span> <span word="may">may</span> <span word="be">be</span> <span word="less">less</span> <span word="painful">painful</span> <span word="than">than</span> <span word="you">you</span> <span word="think">think</span>. <span word="Say">Say</span> <span word="you">you</span> <span word="make">make</span> $44,259 <span word="a">a</span> <span word="year">year</span>. <span word="If">If</span> <span word="you">you</span> <span word="re">re</span> <span word="paid">paid</span> <span word="twice">twice</span> <span word="a">a</span> <span word="month">month</span>, <span word="that">that</span> <span word="s">s</span> $1,844 <span word="per">per</span> <span word="paycheck">paycheck</span>. <span word="If">If</span> <span word="you">you</span> <span word="contribute">contribute</span> $18.44 <span word="from">from</span> <span word="it">it</span>, <span word="you">you</span> <span word="lower">lower</span> <span word="your">your</span> <span word="taxes">taxes</span> <span word="by">by</span> <span word="about">about</span> $5, <span word="assuming">assuming</span> <span word="you">you</span> <span word="re">re</span> <span word="in">in</span> <span word="the">the</span> 25% <span word="tax">tax</span> <span word="bracket">bracket</span>, <span word="meaning">meaning</span> <span word="your">your</span> <span word="paycheck">paycheck</span> <span word="only">only</span> <span word="has">has</span> <span word="to">to</span> <span word="drop">drop</span> <span word="by">by</span> $13. <span word="That">That</span> <span word="s">s</span> <span word="about">about</span> <span word="a">a</span> <span word="dollar">dollar</span> <span word="a">a</span> <span word="day">day</span>. 3. <span word="Start">Start</span> <span word="even">even</span> <span word="smaller">smaller</span>. <span word="If">If</span> <span word="even">even</span> 1% <span word="sounds">sounds</span> <span word="like">like</span> <span word="too">too</span> <span word="much">much</span> <span word="money">money</span>, <span word="make">make</span> <span word="it">it</span> $10 <span word="a">a</span> <span word="paycheck">paycheck</span>. <span word="Then">Then</span> <span word="increase">increase</span> <span word="by">by</span> $10 <span word="increments">increments</span> <span word="until">until</span> <span word="it">it</span> <span word="hurts">hurts</span>. 4. <span word="Save">Save</span> <span word="half">half</span> <span word="your">your</span> <span word="next">next</span> <span word="raise">raise</span>. <span word="If">If</span> <span word="you">you</span> <span word="can">can</span> <span word="t">t</span> <span word="contribute">contribute</span> <span word="anything">anything</span> <span word="now">now</span>, <span word="wait">wait</span> <span word="until">until</span> <span word="your">your</span> <span word="next">next</span> <span word="pay">pay</span> <span word="raise">raise</span>. <span word="When">When</span> <span word="you">you</span> <span word="get">get</span> <span word="it">it</span>, <span word="put">put</span> <span word="half">half</span> <span word="your">your</span> <span word="raise">raise</span> <span word="into">into</span> <span word="the">the</span> <span word="retirement">retirement</span> <span word="plan">plan</span>. <span word="Your">Your</span> <span word="paycheck">paycheck</span> <span word="will">will</span> <span word="still">still</span> <span word="go">go</span> <span word="up">up</span> <span word="some">some</span>, <span word="and">and</span> <span word="your">your</span> <span word="contribution">contribution</span> <span word="will">will</span> <span word="be">be</span> <span word="completely">completely</span> <span word="painless">painless</span>. 5. <span word="Don">Don</span> <span word="t">t</span> <span word="miss">miss</span> <span word="out">out</span> <span word="on">on</span> <span word="company">company</span> <span word="incentives">incentives</span>. <span word="Most">Most</span> <span word="employers">employers</span> <span word="that">that</span> <span word="offer">offer</span> <span word="retirement">retirement</span> <span word="plans">plans</span> <span word="give">give</span> <span word="incentives">incentives</span> <span word="for">for</span> <span word="you">you</span> <span word="to">to</span> <span word="contribute">contribute</span> <span word="some">some</span> <span word="of">of</span> <span word="your">your</span> <span word="pay">pay</span> <span word="to">to</span> <span word="your">your</span> <span word="plan">plan</span>. <span word="Many">Many</span> <span word="add">add</span> <span word="an">an</span> <span word="amount">amount</span> <span word="equal">equal</span> <span word="to">to</span> 3% <span word="of">of</span> <span word="your">your</span> <span word="pay">pay</span>. 6. <span word="Find">Find</span> <span word="a">a</span> <span word="new">new</span> <span word="job">job</span>. <span word="If">If</span> <span word="your">your</span> <span word="employer">employer</span> <span word="doesn">doesn</span> <span word="t">t</span> <span word="offer">offer</span> <span word="matching">matching</span> <span word="contributions">contributions</span>, <span word="find">find</span> <span word="a">a</span> <span word="job">job</span> <span word="with">with</span> <span word="an">an</span> <span word="employer">employer</span> <span word="that">that</span> <span word="does">does</span>. <span word="Matching">Matching</span> <span word="contributions">contributions</span> <span word="can">can</span> <span word="really">really</span> <span word="add">add</span> <span word="up">up</span>. <span word="Consider">Consider</span>: <span word="If">If</span> <span word="you">you</span> <span word="contribute">contribute</span> $5,000 <span word="a">a</span> <span word="year">year</span> <span word="for">for</span> 40 <span word="years">years</span>, <span word="earning">earning</span> 6% <span word="annually">annually</span>, <span word="you">you</span> <span word="ll">ll</span> <span word="accumulate">accumulate</span> $773,810 <span word="for">for</span> <span word="retirement">retirement</span>. <span word="If">If</span> <span word="your">your</span> <span word="employer">employer</span> <span word="adds">adds</span> <span word="to">to</span> <span word="your">your</span> <span word="account">account</span> <span word="with">with</span> <span word="a">a</span> 3% <span word="match">match</span>, <span word="the">the</span> <span word="value">value</span> <span word="of">of</span> <span word="your">your</span> <span word="account">account</span> <span word="will">will</span> <span word="be">be</span> $232,143 <span word="more">more</span> -- <span word="giving">giving</span> <span word="you">you</span> <span word="a">a</span> <span word="total">total</span> <span word="of">of</span> <span word="slightly">slightly</span> <span word="more">more</span> <span word="than">than</span> $1 <span word="million">million</span>. 7. <span word="Invest">Invest</span> <span word="with">with</span> <span word="a">a</span> <span word="long">long</span>-<span word="term">term</span> <span word="perspective">perspective</span>. <span word="You">You</span> <span word="have">have</span> <span word="to">to</span> <span word="create">create</span> <span word="a">a</span> <span word="diversified">diversified</span> <span word="mix">mix</span> <span word="of">of</span> <span word="mutual">mutual</span> <span word="funds">funds</span> <span word="that">that</span> <span word="invest">invest</span> <span word="in">in</span> <span word="stocks">stocks</span>, <span word="bonds">bonds</span>, <span word="real">real</span> <span word="estate">estate</span>, <span word="foreign">foreign</span> <span word="securities">securities</span> <span word="and">and</span> <span word="government">government</span> <span word="securities">securities</span>. <span word="You">You</span> <span word="can">can</span> <span word="keep">keep</span> <span word="your">your</span> <span word="money">money</span> <span word="entirely">entirely</span> <span word="invested">invested</span> <span word="in">in</span> <span word="stock">stock</span> <span word="funds">funds</span> <span word="provided">provided</span> <span word="you">you</span> <span word="understand">understand</span> <span word="the">the</span> <span word="risks">risks</span> <span word="and">and</span> <span word="you">you</span> <span word="plan">plan</span> <span word="to">to</span> <span word="leave">leave</span> <span word="your">your</span> <span word="money">money</span> <span word="invested">invested</span> <span word="in">in</span> <span word="stock">stock</span> <span word="funds">funds</span> <span word="for">for</span> <span word="at">at</span> <span word="least">least</span> <span word="five">five</span> <span word="years">years</span>, <span word="preferably">preferably</span> <span word="longer">longer</span>, <span word="Edelman">Edelman</span> <span word="says">says</span>. <span word="These">These</span> <span word="two">two</span> <span word="criteria">criteria</span> <span word="are">are</span> <span word="crucial">crucial</span> <span word="for">for</span> <span word="your">your</span> <span word="decision">decision</span> <span word="to">to</span> <span word="leave">leave</span> <span word="money">money</span> <span word="invested">invested</span> <span word="in">in</span> <span word="stock">stock</span> <span word="funds">funds</span>.</p>
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