Your 401(k) Statement Will Soon Have Lifetime Income Estimates. What to Know. - BitcoinEthereumNews.com
เศรษฐกิจคำชี้แจง 401 (k) ของคุณจะมีประมาณการรายได้ตลอดอายุการใช้งานในไม่ช้า สิ่งที่ต้องรู้04 / 02 / 2022ข่าว Bitcoin Ethereum Participants in 401(k)s should begin seeing a “lifetime income illustration” on their statements this year, getting an estimate of how much guaranteed monthly income their current account balance would generate if they purchased an anuity. For many savers, however, the estimate will be more like a guess. Under an interim rule as required by the 2019 Secure Act, plan administrators must provide two estimates: one for a single-life anuity, which gives the owner monthly payments until death, and another for a joint anuity, which extends those monthly payments to a surviving spouse. The estimates must appear alongside participants account balances on statements at least anually begining this year, or quarterly if the plan allows participants and beneficiaries to direct their own investments. A final rule is expected later this year. Financial-planing experts say the illustration provides valuable information for savers, and could encourage workers to contribute more by illustrating how their future income might fall short of needs or expectations. But they also say savers should be careful as the assumptions used to calculate monthly payments are too general to provide an accurate number for most individuals. สมัครรับจดหมายข่าว การเกษียณอายุ Barrons นำเสนอการวางแผนเกษียณและคำแนะนำแก่คุณในบทความสรุปรายสัปดาห์เกี่ยวกับการเตรียมตัวสำหรับชีวิตหลังเลิกงาน Lynda Abend, chief data