退休后的税务效率
你退休后会交更多的税吗? 这是有可能的. But that will largely depend on how you generate income. 是因为工作吗? 是来自退休计划吗? 如果它确实来自退休计划, it’s important to understand which types of plans will be financing your retirement.
Another factor to consider is the role Social Security will play in your retirement. When do you plan to start to take Social Security benefits? If you have a spouse, when do they plan on taking benefits? It’s critical to answer key Social Security benefits questions so you have a better understanding of how it will affect your taxable income.
什么是税前AG捕鱼王新版app下载? Traditional IRAs and 401(k)s are examples of pre-tax investments that are designed to help you save for retirement.
You won’t pay any taxes on the contributions you make to these accounts until you start to take distributions. Pre-tax investments are also called tax-deferred investments, as the money you accumulate in these accounts can benefit from tax-deferred growth.
For individuals covered by a retirement plan at work, the tax deduction for a traditional IRA in 2023 is phased out for incomes between $116,000元及136元,为已婚夫妇共同申请, 在73美元之间,000元及83元,000美元的单一申报者.1
记住，一旦你到了73岁, you must begin taking required minimum distributions from a traditional IRA, 401(k), and other defined contribution plans in most circumstances. 提款按普通收入征税, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty.
什么是税后AG捕鱼王新版app下载? 罗斯个人退休账户是最著名的. When you put money into a Roth IRA, the contribution is made with after-tax dollars. Like a traditional IRA, contributions to a Roth IRA are limited based on income. 2023年, contributions to a Roth IRA are phased out between $218,000元及228元,为已婚夫妇共同申请 and between $138,000元及153元,000美元的单一申报者.
To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and occur after age 59½. 税-free and penalty-free withdrawals can also be taken under certain other circumstances, 比如房主去世了. The original Roth IRA owner is not required to take minimum annual withdrawals.
还记得, this article is for informational purposes only and is not a replacement for real-life advice, 所以一定要咨询你的税务, 法律, or financial professionals before modifying your retirement strategy.
你是否在努力提高税收效率? In retirement, it is especially important – and worth a discussion. A few financial adjustments may help you manage your tax liabilities.
1. 国税局.政府,2023
2. 国税局.政府,2023
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