3 Retirement Strategies to Employ Before You Hit 40 Advantia | Assessors Andorra
Filed under: Retirement , IRA , Roth IRA , Saving Alamy It's never too early to start preparing for retirement . To make sure you're on the right path, here are three retirement strategies to put in place before hitting the big four-oh. (See also these strategies for planning in your thirties, forties, nota fiscal palista fifties and beyond). If you adopt the right moves at each stage, you'll be more able to retire when and how you want. 1. Identify, prioritize, and plan Let's face it. Your forties are a stage of life where you are pulled in many directions -- physically, emotionally, and financially. Whittling down credit card debt , paying off your own student loans , saving for your child's college education , and contributing to your retirement all compete for your dollars. But you don't have to let it overwhelm and discourage you. Instead, identify your financial goals, prioritize your needs, nota fiscal palista and make a plan to address them. First and foremost, devise a plan for reducing your debts . Paying them off faster lets you maximize retirement savings. Transfer any balances from high-interest-rate credit cards to one with a lower rate. Ideally, find a card with a zero-percent introductory APR. Then, take your balance, nota fiscal palista divide that by the number nota fiscal palista of months you have until the zero-percent-interest clock stops, and voila, you have a plan for eliminating credit card debt with the smallest monthly outflow possible. 2. Benchmark your retirement savings Chances are good that by now you've asked yourself the burning question: "Am I on track?" To answer that, Fidelity recommends having nota fiscal palista the equivalent of twice your annual salary accumulated in retirement savings by age 40 (if you're curious, it's four times by age 50 and six times by age 60). Keep in mind that these milestones are general rules with assumptions that might not fit your particular situation. Since every individual's circumstance differs, proceed with caution when using retirement savings calculators. Seek advice from a financial planner for more customized guidance. 3. Pump up your contributions If you fall short of your benchmark, amp up your retirement plan contributions. Luckily for you, the contribution limits are quite generous: $17,500 nota fiscal palista for 401(k), 403(b), and 457 plans for 2013. And thanks to the phenomenon nota fiscal palista of compound interest, by upping your retirement contribution now, you won't need to save nearly as much money later. Here your strategy is to contribute at least enough money to your 401(k) to get the maximum match your employer offers. But if you're flush with cash, why stop there? Invest as much as you can into your retirement plan at work. If you already max out your plan contribution (and a huge high five if you do!) or if you'd like to add some tax diversification to your overall plan, contribute to a Roth IRA . Just make sure you meet the eligibility requirements before doing so. Get started today Retirement is getting closer with every passing day. But before age 40, you've still got plenty of time to save. By identifying your financial goals, prioritizing your needs, and contributing enough toward your retirement savings, you'll reap the glorious reward of a retirement on your terms. Nicole Seghetti is a contributing writer to The Motley Fool. %Gallery-187642%
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Filed under: Retirement , IRA , Roth IRA , Saving Alamy It's never too early to start preparing for retirement . To make sure you're on the right path, here are three retirement strategies to put in place before hitting the big four-oh. (See also these strategies for planning in your thirties, forties, nota fiscal palista fifties and beyond). If you adopt the right moves at each stage, you'll be more able to retire when and how you want. 1. Identify, prioritize, and plan Let's face it. Your forties are a stage of life where you are pulled in many directions -- physically, emotionally, and financially. Whittling down credit card debt , paying off your own student loans , saving for your child's college education , and contributing to your retirement all compete for your dollars. But you don't have to let it overwhelm and discourage you. Instead, identify your financial goals, prioritize your needs, nota fiscal palista and make a plan to address them. First and foremost, devise a plan for reducing your debts . Paying them off faster lets you maximize retirement savings. Transfer any balances from high-interest-rate credit cards to one with a lower rate. Ideally, find a card with a zero-percent introductory APR. Then, take your balance, nota fiscal palista divide that by the number nota fiscal palista of months you have until the zero-percent-interest clock stops, and voila, you have a plan for eliminating credit card debt with the smallest monthly outflow possible. 2. Benchmark your retirement savings Chances are good that by now you've asked yourself the burning question: "Am I on track?" To answer that, Fidelity recommends having nota fiscal palista the equivalent of twice your annual salary accumulated in retirement savings by age 40 (if you're curious, it's four times by age 50 and six times by age 60). Keep in mind that these milestones are general rules with assumptions that might not fit your particular situation. Since every individual's circumstance differs, proceed with caution when using retirement savings calculators. Seek advice from a financial planner for more customized guidance. 3. Pump up your contributions If you fall short of your benchmark, amp up your retirement plan contributions. Luckily for you, the contribution limits are quite generous: $17,500 nota fiscal palista for 401(k), 403(b), and 457 plans for 2013. And thanks to the phenomenon nota fiscal palista of compound interest, by upping your retirement contribution now, you won't need to save nearly as much money later. Here your strategy is to contribute at least enough money to your 401(k) to get the maximum match your employer offers. But if you're flush with cash, why stop there? Invest as much as you can into your retirement plan at work. If you already max out your plan contribution (and a huge high five if you do!) or if you'd like to add some tax diversification to your overall plan, contribute to a Roth IRA . Just make sure you meet the eligibility requirements before doing so. Get started today Retirement is getting closer with every passing day. But before age 40, you've still got plenty of time to save. By identifying your financial goals, prioritizing your needs, and contributing enough toward your retirement savings, you'll reap the glorious reward of a retirement on your terms. Nicole Seghetti is a contributing writer to The Motley Fool. %Gallery-187642%
Categoria: Actualitat nota fiscal palista , Saving Amb l'etiqueta: advantia , advantia asesor , advantia assessors , advantia comptabilitat nota fiscal palista , advantia nota fiscal palista contabilidad , andorra , asesor nota fiscal palista , asesor contable , assessor , assessor comptable , comptabilitat , comptabilitat andorra , comptable , consultor , contabilidad , contabilidad Andorra , contable , creacio societats , economia nota fiscal palista , Fidelity , Finance , fiscal , fiscalidad , fiscalidad andorra , fiscalitat , fiscalitat andorra , impost de la renda de no residents , impost societats , impostos andorra , impuesto de la renta de no residentes andorra , impuesto de sociedades andorra , impuestos Andorra , ira , iva andorra , ley 20/2007 , ley 30/2007 , retirement , Roth IRA , societats anonimes , societats limitades
Barcelona estrena el primer cajero de bitcoins de España nota fiscal palista Destacados Recuperación lenta pero segura What You Must Know Now to Avoid the Obamacare Penalty Big Investors Snapping Up Delinquent Mortgages to Foreclose – nota fiscal palista and Rent There’s Not One Home for Sale in San Francisco That an Average Teacher Can Afford Apple vuelve nota fiscal palista a coronarse como la compañía más admirada del mundo
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