cover of episode Worst (And Best) Places People Are Stashing Money For Retirement

Worst (And Best) Places People Are Stashing Money For Retirement

2025/3/7
logo of podcast George Kamel

George Kamel

AI Deep Dive AI Chapters Transcript
People
G
George
广播和播客主持,专注于财务教育和咨询。
Topics
我分析了最近一项关于美国人退休储蓄去处的研究,该研究调查了约2400名退休人士。结果显示,人们的退休储蓄存放地点多种多样,有些选择是明智的,有些则不然。 首先,加密货币不适合作为退休储蓄的主要投资方式,因为它属于高风险的投机行为,不适合长期持有。 其次,健康储蓄账户(HSA)是一个不错的选择,因为它允许税收优惠的投资,并且在65岁后可以作为额外的传统401k使用。 再次,房地产投资可以带来不错的回报,但我建议只投资全款购买的房产,以避免高杠杆带来的风险。高杠杆的投资房产在退休后会增加生活的不确定性,带来更多麻烦。 年金产品我并不推荐,因为其费用高昂,回报率低,并且通常针对的是害怕市场风险的人群。 401k计划或类似的税收优惠退休计划是积累财富的重要工具,在我们的百万富翁研究中,80%的受访者表示401k是他们致富的关键。 经纪账户可以作为退休前补充投资的工具,但需要注意的是,它没有税收优惠。 个人退休账户(IRA)是缺乏雇主退休计划人士的良好选择,尤其是Roth IRA,因为它允许税收递延。 我不推荐将人寿保险作为投资工具,因为大多数人寿保险产品费用高昂,回报率低。我建议选择定期寿险,而不是终身寿险。 自住房可以作为退休储蓄的一部分,但不能过度依赖。 最后,避免将退休储蓄存入低收益的银行账户,因为这会导致你的储蓄购买力下降。我建议将大部分退休储蓄投资于股票型共同基金和指数基金,以获得长期稳定的增长。 总而言之,退休投资应追求稳健增长,避免高风险和高费用。充分利用税收优惠的退休账户,例如401k或Roth IRA,是积累财富的有效途径。

Deep Dive

Chapters
This chapter analyzes a study on where retirees keep their retirement savings, revealing cryptocurrency as the least popular choice and health savings accounts as a surprisingly good option.
  • Cryptocurrency is a risky investment for retirement funds.
  • Health savings accounts allow tax-free investment growth and can be used for medical expenses.
  • Only 2% of retirees used cryptocurrency, while 4% used health savings accounts for retirement.

Shownotes Transcript

📈 Are you on track with the Baby Steps? Get a free personalized plan.)

I hate to break it to you, but an unmarked shoebox under your bed isn’t the best place to keep retirement funds. In this episode, find out the best (and worst) places to keep your money so you don’t miss out on millions.

Next Steps:

• 🎥** **Watch my video How Much You Should Have in Your 401(k)—by Age).

• **💰 **Get Ramsey’s Complete Guide to Investing.)

• 💵 Start your free budget today. Download the EveryDollar app!)

Connect With Our Sponsors:

• 🔒 Get 20% off when you join )DeleteMe).

• 💸 Learn more about opening a high-yield savings account with )Laurel Road).

• 📱 Get $5 off Tello's Unlimited Plan and enjoy great nationwide coverage for only $20 at Tello).

Explore More From Ramsey Network:

🎙️ The Ramsey Show**  **)

🍸 Smart Money Happy Hour) 💸 The Ramsey Show Highlights)

🧠 The Dr. John Delony Show)

💡 The Rachel Cruze Show)

🪑 Front Row Seat with Ken Coleman)

📈 EntreLeadership)

 

Ramsey Solutions Privacy Policy)

Learn more about your ad choices. Visit megaphone.fm/adchoices)