首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
考研
A. Plan for the Financial Transition B. Examine Your Investment Portfolio C. Contribute to an IRA D. Save before You
A. Plan for the Financial Transition B. Examine Your Investment Portfolio C. Contribute to an IRA D. Save before You
admin
2022-11-05
51
问题
A. Plan for the Financial Transition
B. Examine Your Investment Portfolio
C. Contribute to an IRA
D. Save before You Spend
E. Max out Your Retirement Plans
F. Set a Retirement Savings Goal
G. Review Your Own Retirement Plan
One month into the new year, it’s time to check in on your promises to yourself to start saving more for retirement. Fully 70 percent of Americans are concerned about not having enough money for a comfortable retirement, a recent Fidelity Investments study found. Here are strategies to boost your retirement savings this year.
【R1】________
"Pay yourself first, and find ways to invest automatically," says Heather Dzielak of Lincoln Financial Group. "Get in the discipline of setting aside money for your retirement." Many companies will let you automatically deposit part of your paycheck into savings or investment accounts.
【R2】________
Most Americans are counting on individual retirement accounts (IRA) to help fund their retirement. But as of 2004, only 29 percent of families owned an IRA or Keogh, with a median value of $30,000, according to the Employee Benefit Research Institute (EBRI). The deadline for making a 2006 contribution to a tax-advantaged IRA is April 17, the date your federal tax return is due.
【R3】________
Be sure to contribute enough to get your employer’s full match. "The way to really do well," says Ed Slott, author of Your Complete Retirement Planning Road Map, "is to keep putting more money in as much as you can. I try to fund all the retirement accounts I can to the max." You should also account for all 401(k) plans you’ve had at previous employers and consolidate them in your current employer’s plan or transfer them into a rollover IRA, says Dallas Salisbury, EBRI president. Rolling a 401 (k) over into an IRA allows you to avoid most fees and penalties.
【R4】________
Only 4 in 10 workers have actually calculated how much they need to save for retirement, according to EBRI. And many of those created their own estimate or guessed. It’s a good idea to sit down with a financial adviser or use an online calculator or retirement worksheet. You should review your retirement accounts annually to make sure you are getting a good return on your investments. "Over the long term, diversified stocks and bonds should return you 7 percent," says Jonathan Pond, the author of You Can Do It! The Boomer’s Guide to a Great Retirement. "The average investor makes about 4 percent." Pond recommends constructing a diversified portfolio and regularly monitoring it.
【R5】________
You’ll need a plan to convert retirement savings into a stream of income. "It’s the way you take it out that will determine how much you and your family keep and how much goes to the government," says Slott. "If you take it out the wrong way, it all goes back to die government." A financial adviser can help you determine the most tax-advantaged way to withdraw money from retirement accounts. You’ll also want to double-check the beneficiary forms on all your retirement accounts. Says Slott: "Most. people think that somebody else took care of this… The beneficiary form is the key document that’s going to determine who gets all this money you’ve saved."
【R3】
选项
答案
E
解析
第四段的中心句在第二句,该句引用艾德.斯洛特在书中写的话提醒读者尽量多地存钱到退休账户。最后两句提醒读者要将以前的401(k)账户合并到现有的账户中去。根据第四段信息词get your employer’s full match、as much as you can以及to the max可知,该段与最大化储蓄退休金收益有关,而E中的Max Out与文中的to the max对应,为正确答案。
转载请注明原文地址:https://kaotiyun.com/show/08i4777K
0
考研英语二
相关试题推荐
Animportantfactorofleadershipisattraction.Thisdoesnotmeanattractivenessintheordinarysense,forthatisabornqua
YouhavejustcomebackfromtheU.S.asamemberofaSino-Americanculturalexchangeprogram.WritealettertoyourAmerican
ManyAmericansregardthejurysystemasaconcreteexpressionofcrucialdemocraticvalues,includingtheprinciplesthatallc
MillionsofAmericansandforeignersseeG.I.Joeasamindlesswartoy,thesymbolofAmericanmilitaryadventurism,butthat’
Mosthumanbeingsactuallydecidebeforetheythink.Whenanyhumanbeing—executive,specializedexpert,orpersoninthestreet
Everyone,itseems,hasahealthproblem.AfterpouringbillionsintotheNationalHealthService,Britishpeoplemoanaboutdir
Whatmakesagreathighschool?Americansthinkalotofthingsdo,fromoutstandingacademicsorasupportiveenvironmentfors
Afull-timejobdoesn’thavetodestroyallhopeoffamilydinnersorafternoonplaytime.Womencanincreasetheirchancesofge
Asimpleideasupportsscience:"trust,butverify".Resultsshouldalwaysbe【C1】________tochallengefromexperiment.Thatsimp
Asimpleideasupportsscience:"trust,butverify".Resultsshouldalwaysbe【C1】________tochallengefromexperiment.Thatsimp
随机试题
既治风湿热痹,又治湿热黄疸的药物是
在腹部,可双向调节肠道运动的大肠经募穴是在颈部后方,经常应用于推拿的膀胱经穴位是
中风闭证的主证不包括
结构中含有一个手性中心,右旋异构体有很好的短效催眠作用,左旋异构体无活性有毒性的药物是
工作分析不会涉及()。
学生采用列结构提纲,画网络图的方法来记忆课文内容的学习策略属于()。
下列行为构成敲诈勒索罪的是
做任何事情都要“不唯书,不唯上,只唯实”这句话体现的哲理是( )
SomepeoplewerequeuingoutsidetheScalaTheatreforticketsforaverypopularshow.Theyhadtowaitforseveralhours,and
Onethingthetourbooksdon’ttellyouaboutLondonisthat2.000ofitsresidentsarefoxes.Asnativeastheroyalfamily,th
最新回复
(
0
)