IF YOUR EMPLOYER OFFERS a 401(k) plan, it’s your primary ticket to a comfortable, secure retirement. There are limits on how much you can contribute, but they’re generous. In 2022, you can save up to $20,500 in your 401(k) plan, up from $19,500 in 2021. (Workers age 50 or older can put in an additional $6,500.) And contributions are deducted from taxable income, so you get even more bang from your bucks.
When you’re just starting out, maxing out your contribution can be a challenge. The general rule of thumb when it comes to saving in your 401(k) is to try to contribute 12% to 15% of your gross income. If that’s too much, resolve to put in at least enough to qualify for your company’s matching contributions.
この記事は Kiplinger's Personal Finance の January 2022 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
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この記事は Kiplinger's Personal Finance の January 2022 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
すでに購読者です? サインイン
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