By saving even a small percentage of your salary, you may be surprised to see just how much your 401(k) balance can grow. Our 401(k) calculator can help estimate a range of future balances and monthly incomes, based on different contribution amounts and return assumptions during your working years.
The results are hypothetical based on your input. 你的结果会有所不同. Any rates used are for illustrative purposes only and does not represent performance of any actual financial vechicle/strategies.Neither New York 人寿保险 Company not its agents provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.
401(k)有很多好处, including tax-deferred growth and lower immediate income taxes. But understand that any early withdrawals are subject to income taxes plus a 10% penalty. So make sure you have an emergency fund to deal with unexpected expenses, and try to leave your 401(k) alone until retirement.
It’s important to keep a broad range of investments* in your 401(k). Diversification balances risk, ensuring that you don’t rely on just one investment’s success. Diversify within asset classes (like broad-based stock index funds) as well as between asset classes (mix of stocks, bonds, 房地产, 和其他人). And remember: everyone’s risk tolerance is different. Speak with a properly licensed financial services professional for guidance on your 401(k).
*投资 are offered through properly licensed Registered Representatives of NYLIFE证券 LLC (member FINRA/SIPC), a licensed Insurance agency and a best365亚洲版手机版 Company. Diversification does not assure a profit or protect against market loss.
Most of the big gains in your 401k will happen through compounding—and for compounding to really work, 你应该早点开始存钱.
If your employer matches a percentage of your contribution, 一定要贡献至少那么多, otherwise you’re leaving free money on the table.
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