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Wysłany: Śro 10:46, 11 Wrz 2013
Temat postu: 5 Ways to Hedge Against Retirement Unknowns-spun3
5 Methods to Hedge Against Retirement Unknowns
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Pay some taxes now and some later. Many people debate whether taxes will be higher in the future than they are now. I focus on making certain I get some tax breaks on my retirement savings now and some later on. The fastest way to achieve this tax diversification is to contribute after-tax dollars to a Roth IRA, so you can take the money out tax-free in retirement. Also, defer income tax on a number of your retirement savings utilizing a traditional 401(k) or traditional IRA. By paying some taxes now plus some later,[url=http://duveticadoudoune.halod.com/][b]Doudoune Duvetica Pas Cher[/b][/url], you'll avoid getting slammed by taxes at anyone time.
Take care of yourself and expect to live quite a long time. Life expectancies should still rise due to medical advances. Since we can't accurately predict how long we'll last, it's prudent to estimate a long life expectancy when calculating retirement savings needs. Also, take steps to maintain a healthy body by eating right and exercising. When you are healthy you will experience fewer medical expenses and maintain the ability to work, at least part-time, to provide for yourself as needed.
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Learn how to live within your means. The very best hedge from the retirement unknowns would be to live in your means and save more. Understanding how to reduce your debts and expenses will benefit you well into retirement. Read his popular blog, PT Money: Personal Finance for more insightful money tips, like his recent recommendations for the very best online checking accounts.
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Today, that 2nd house is sold and I have a comfortable supply of funds, but I'll still be saving thousands each year due to the lessons I learned on that very tight budget.
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