A decade-by-decade approach to financial goals
这些按年龄划分的储蓄待办事项可以帮助你为退休做好准备.
The specifics of your financial plan and financial goals may not resemble anyone else's. 也许你想在退休后环游世界,而你的邻居却打算投入到全职志愿者工作中去. 然而,一些共享的步骤可以帮助你走上未来的轨道.
对许多人来说,最大的财务遗憾是没有尽早为退休储蓄. 以下是每个年龄段需要考虑的主要财务优先事项.
In your 20s
- Establish a consistent income.
- Build (and live with) a budget.
- Eliminate debt (credit cards or loans).
- Enroll in health insurance.
- 为大额开支开立储蓄账户,为退休后开立投资账户.
Retirement savings goal: 一些专家建议把你的年薪存起来,或者把工资的15%存起来.
In your 30s
- Fill your emergency fund with 3-6 months' salary.
- Eliminate additional non-mortgage debt.
- Create a will and get life insurance.
- 最大限度地匹配雇主赞助的退休计划.
- Put 20% down on a home.
- Start kids' education savings funds.
Retirement savings goal: 一些专家建议把年薪的2 - 3倍存起来.
In your 40s
- Maximize personal contributions to retirement accounts.
- 增加收入(协商加薪或增加收入流).
- Pay extra on your mortgage.
- Discuss your parents' finances and estate plans.
- 和你的孩子一起规划大学支付方案(不涉及退休储蓄).
Retirement savings goal: 一些专家建议把你年薪的6倍存起来,或者做一些额外的弥补.
In your 50s
- Take advantage of catch up contributions.
- Get long-term care insurance.
- 检查你的投资组合,必要时多样化.
- Revisit your will.
Retirement savings goal: 一些专家建议存下相当于年薪7到8倍的钱.
In your 60s
- 制定退休计划,并根据你的负担能力进行调整.
- Plan out a retirement income strategy.
- Decide when to take Social Security.
- Finalize an estate plan.
Retirement savings goal: 一些专家建议存下相当于年薪10倍的钱.
Important at every age
计划在人生的每个阶段和年龄都很重要. Talk with a financial professional 谁能帮你调整目标和策略来适应你的特定生活方式.
你的财务目标的具体细节可能与其他人不同. 也许你想在退休后环游世界,而你的邻居却打算投入到全职志愿者工作中去. While there's no one-size-fits-all approach, 一些普遍分享的步骤可以帮助你走上你未来的道路. 以下是你在每个年龄段可能会考虑的一些重要的财务优先事项.
美国人的第一个财务遗憾:注意提前为退休储蓄
In your 20s
To-dos
- Establish a consistent income
- Build (and live within) a budget
- Eliminate debt (credit cards or loans)
- Enroll in health insurance
- 为大额开支开立储蓄账户,为退休后开立投资账户
- Not saving early enough for retirement is Americans' No. 1 financial regret.
Retirement savings goal: Some experts recommend having saved your annual salary or saving 15% of your pay.
In your 30s
- Fill your emergency fund with 3-6 months' salary,
- Eliminate additional non-mortgage debt,
- Create a will and get life insurance,
- 最大限度地匹配雇主赞助的退休计划,
- Put 20% down on a home, and
- Start kids' education savings funds.
Retirement savings goal: Some experts recommend having saved 2 to 3 times your annual salary.
In your 40s
- 最大限度地提高个人对退休账户的贡献
- 增加收入(协商加薪或增加收入流)
- Pay extra on your mortgage
- Discuss your parents' finances and estate plans
- 和你的孩子一起规划大学支付方案(不涉及退休储蓄)
Retirement savings goal: 一些专家建议把钱存到年薪的6倍,或者多存一些钱.
In your 50s
To-dos
- Take advantage of catch up contributions
- 检查你的投资组合,必要时多样化
- Get long-term care insurance
- Revisit your will
Retirement savings goal: 一些专家建议储蓄是年薪的7到8倍.
In your 60s
To-dos
- 制定退休计划——并根据你的负担能力进行调整
- Decide when to take Social Security
- Plan out a retirement income strategy
- Finalize an estate plan
Retirement savings goal: 一些专家建议储蓄是年薪的10倍.
Important at every age: 和财务专家谈谈,他们可以帮助你调整目标和策略以适应你的特定生活方式.