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Rich in America Secrets to Creating and Preserving Wealth PHẦN 8

Tất nhiên, lập kế hoạch bảo hiểm nhân thọ là khác nhau cho các cá nhân-net giá trị cao. Một phân tích nhu cầu không thể là một phương pháp thích hợp để xác định các số liệu và các loại bảo hiểm cần thiết, vì có thể không có nhu cầu thực tế tại tất cả, nhưng là một ước muốn. Ví dụ, chúng ta hãy nói rằng bạn 35 tuổi, kết hôn với hai đứa con, mỗi dưới 5 tuổi. Bạn sống trong một ngôi nhà trị giá 1 triệu USD. | Retirement 167 that doctors are among the most likely to overfund their retirement plans but they re a special case They do it because these plans are also asset-protection vehicles. In case of a malpractice claim creditors generally can t get to the money within a retirement plan it s not transferable. This rule does vary state by state and by the type of retirement plan so if you re moving your IRA or other plan may no longer be protected. There s another reason you should be saving for retirement besides having money to live on later tax advantages. Retirement plans allow you to put your money into tax-deferred savings thanks to the many government-sanctioned vehicles for accumulating money. Not only can you defer taxes on the interest generated by a retirement account but your contributions will generally be excluded from your taxable income as will contributions made on your behalf by your employer. The earlier you start thinking about taking advantage of these tax-deferred vehicles the better off you will be in future years. Tax Savings The impact of tax deferral on retirement savings is impressive. The sooner you start saving the more dramatic the results. If you contribute 3 000 each year to an IRA the new maximum as of 2003 and it receives an 8 percent annualized return after 20 years the balance would be 148 000 after 30 years it grows to 367 000 and after 40 years you would have saved 839 000. Although 3 000 may seem like an inconsequential amount it does grow to a substantial sum if you start early and stay the course see Figure 5.2 . 168 Rich in America Figure 5.2 Future Value of Annual IRA Contributions Future Value of Annual 3 000 IRA Contributions at an 8 Annualized Return Years Individual Retirement Accounts The number of available individual retirement vehicles is extensive but they are also limited. Tax codes specify how your money may or may not be taxed how much money you can contribute to individual retirement plans and what portion of those .