Cuando trabaja para una empresa grande, las decisiones sobre el ahorro para la jubilación a menudo se toman por usted: su empleador probablemente le ofrezca algún tipo de cuenta de ahorros que le brinde beneficios fiscales para que ahorre para la jubilación, e incluso puede igualar cualquier contribución que ingrese en esa cuenta. Pero cuando usted es propietario de una pequeña empresa, debe navegar solo por el proceso de ahorro para la jubilación, lo que puede ser estresante. Puede parecer aún más complicado si tiene empleados y necesita establecer un plan usted mismo.
The Washington Small Business Retirement Marketplace is a virtual marketplace where qualified financial services firms offer low-cost retirement savings plans to businesses with less than 100 employees, including sole proprietors and self-employed individuals. Retirement plans listed on the Marketplace must meet certain minimum requirements.
Some states are setting up their own marketplaces or state-run retirement saving programs to help make it easier for small businesses and their employees to save for the future. Check out this list to see if your state is offering a program.
OregonSaves is a state retirement program that provides Oregonians a unique opportunity to save for the future. Whether you are an employer who will facilitate the program or an individual planning for the future, OregonSaves is a simple way to get started.
In early 2018, Illinois launched a pilot for Illinois Secure Choice, a state-sponsored retirement program. This new, simple way to save for retirement provides a Roth Individual Retirement Arrangement (IRA) to those employees who do not have access to a retirement savings plan through work. Illinois Secure Choice is estimated to help 1.2 million workers in Illinois save for their future retirement.
The CalSavers Retirement Savings Program is a portable workplace retirement savings program for private sector workers whose employers are unable to offer their employees a way to save for retirement. CalSavers is run by the state and funded by modest employee contributions, so it involves minimal requirements for employers.
A type of individual retirement account in which your contributions are taxed, but your withdrawals are tax-free.
A type of individual retirement account in which your contributions are tax-free, and you are taxed on withdrawals.
Anyone who provides financial advice who is ethically obligated to do so in your best interest.
Your investment portfolio is tailored to your specific needs, High-risk portfolios tend to be looking for large and fast pay-out. This could mean investing start-ups, hedge funds or crypto currency while low-risk portfolios are more likely to succeed but at a slower rate such as treasury securities.money market accounts and lending clubs.