When should you start spending retirement savings?
退休 income planning and spending depends in large part on the accounts you have, the goals you've set and the timing you put in place.
Saving for retirement 需要s decades of hard work and discipline. 当你终于要花这些积蓄的时候, some people find it difficult to dip into their accounts. Others simply have questions about retirement income planning and how much they can and should spend.
When should you start spending retirement savings? 遵循以下建议.
了解规则
对于许多退休账户, you must reach the age of 59½ before you can withdraw money from a 401(k), 403(b) or IRA without incurring an early withdrawal penalty. 还有大部分的退休账户 需要 you to start making 需要d minimum withdrawals when you reach the age of 73, 即使你还在工作. These rules can help you begin to develop a plan for withdrawing money from your retirement accounts.
设定一些目标
Spending and saving for retirement go hand in hand, 当然，你越晚开始抽离, 你可能有更多的钱可以花. 例如, 如果你继续工作, 即使是兼职, you may be able to gain flexibility with retirement income planning and spending guidelines. 根据4%法则, a 65-year-old with $1 million in a diversified retirement account can expect to be able to withdraw $40,000 a year (adjusted for inflation) over 30 years. 然而, t在这里 are a variety of calculators and approaches to retirement that can help you evaluate your own spending and goals.
税收计划
When you start spending from retirement accounts, you also need to plan for how taxes may affect that rate of withdrawal. Taxes and tax exemptions vary on the type of retirement account. 例如, distributions from Roth IRAs are generally tax-free. The capital gains tax rate on other investments such as stocks or mutual funds may vary based on the account that they're in. Talk with your financial consultant and tax adviser regularly about balancing tax needs and setting up proportional withdrawals, which are taken from each account based on that account's percentage of your overall retirement savings.
重新考虑社保的“何时”
The earliest a person can start collecting Social 安全 is age 62, 但如果你推迟, monthly benefits will continue to go up until you reach the age of 70. 正因为如此, some advisers suggest that it's better to spend from other retirement savings first in order to maximize the guaranteed income from Social 安全 later on.
计划，重新评估，再计划
When you've spent 30 or 40 years slowly building up your retirement savings, it can be a shock to see the balance take a dip once you begin withdrawing in order to fund retirement. 这会导致恐惧 提早把钱花光, which might even tempt you to forgo a long-awaited experience like a cruise or a trip. But the reality is that most people actually spend 少 随着年龄的增长而增加，而不是更多. Make a plan for your spending and then reassess goals, taxes and accounts, and adjust as needed.
