养老金一次性支付的考虑
Factors that can help determine if a lump sum may be right for you include retirement savings, 养老金一次性税收规则和预期寿命.
Pensions provide a guaranteed lifetime income at retirement and, 如果当选, 遗属的收入. 然而, t在这里 may be situations w在这里 taking a lump sum payment is more beneficial. 每个人的情况都是独一无二的, but 在这里 are some general factors you’ll want to consider as you weigh your options.
退休储蓄
It may sound attractive to take a lump sum payment and use it to travel or to pay off debt but consider whether you’ll have enough money to live on long-term.
The first thing you’ll want to consider is the amount of money in your retirement savings. 它是 足够维持生活 在你退休的时候? 你还有什么其他的收入来源? 你打算去买吗 兼职工作? 你打算把你毕生的爱好变成一门生意吗?
养老金一次性纳税规则
Next, you’ll want to consider how the tax consequences might affect your decision.
所得税
所有从养老金中得到的钱都作为普通收入征税, regardless if you receive monthly payments or take it as a lump sum. 你是否在一次性支付后立即纳税, 或者以后再征税, 这取决于你收到钱后怎么处理.
- 征税立即: 如果这笔钱没有转入递延纳税账户, you'll pay ordinary income tax on the amount of the lump sum when you receive it.
- 征税后: 如果把钱转到 个人退休帐户(IRA), you won’t be taxed at that time; however, any distributions from the IRA will be taxed as ordinary income.
遗产税
Your decision to take a lump sum payment affects whether or not your pension will be included as part of your taxable 房地产.
- 不征收遗产税的: Pension payments will not be included in your taxable 房地产 if the income payments stop at your or your spouse's death.
- 包括在遗产税内: With the lump sum option, the remaining value of the account will be included in your 房地产 tax.
预期寿命
考虑一下你预期能活多少年.
If you’re in ill health or have a family history of a short life expectancy, 一次性付清可能是一个有吸引力的选择. 然而, 你有可能比这些钱活得更久, depending on the investment performance and how much is needed for income.
你不能 活得比养老金多. If you’re in relatively good health and anticipate having many years left, it may be more beneficial to consider taking the pension payments.
我们谈的是多少钱?
The earlier you are in your career and/or tenure with the company, the smaller your pension lump sum offer might be — if it’s a trivial amount; you may want to consider taking the lump sum offer and investing it for your future.
你的理财技能如何?
养老金提供有保障的固定收入来源, and your employer assumes the investment risk when making defined benefit pension payments. When you take a lump sum, you assume the risk of investing the funds to generate retirement income.
Fluctuations in the market and changes in interest rates can have an impact on the future value of the lump sum and your available income. 考虑一下你是否愿意冒这个险.
你的遗产有什么计划?
有养老金收入, generally nothing remains for your heirs after you and your spouse pass away (unless you elected your pension over a certain period of years).
With the lump sum amount, any remaining funds can be used to leave a legacy to your heirs or even a 最喜欢的慈善机构.
向专业人士咨询
A 金融专业 can help discuss your options as you decide what’s best for you.
