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Retirement Help

BuckGup
By BuckGup
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I am looking to start saving for retirement. I am not out of college yet but would like to put some money in an account for retirement. Thanks to public schooling I am not 100% sure of all the options. I know how a 401K works but I don't have a career yet and would like to hear of all the options. I know I could invest it in something very low risk but I heard there's some kind of plan where I can put money into it and I cannot touch it until I retire and it's interest rate is locked to whatever it was at the time. So if interest rates go way up you are sorta screwed but if they fall it's still high. Not sure if this is real as I heard it on a podcast. Otherwise what are some good options? Looking to start small with maybe $2000-$3000

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Just keeping this here as a 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Disclaimer: not a financial services professional, talk to a pro also. This is also US specific.

 

401k is an employer sponsored plan that stays with you throughout your career. You have to set aside money (up to a max of $18,500/yr) and some employers will contribute or match some % of that as well (their contributions are not capped by law). Generally speaking these are set up such that you choose a target retirement date (2040, 2050, etc) and often the fund rebalances its risk profile as you approach that age. Depending on the type of 401k ('traditional' or 'roth') your contributions are either taxed now, meaning you will not pay tax when pulling funds out, or tax free now, and will be taxed when you pull funds out. Which is best and which you are eligible for is dependent on your earning potential and tax status. Your 401k stays with you when you leave your employer, though most employers put a vesting schedule on their contributions (eg, leave before X years and get Y% of our contributions)

 

An individual retirement account (IRA) is the other common retirement savings vehicle. These are accounts you set up with a financial services company like Vanguard and they operate much the same way. There are Traditional and Roth variants, but you are limited in how much you can contribute each year (~$5k iirc) and you receive no employer contributions. The IRA is good when your employer doesn't offer a 401k plan or you are between jobs, or as an auxiliary pot of money to save for retirement.

 

Both account types have mechanisms to allow you to pull money out without penalty (beyond loss of interest) for "qualified expenses", but anything else you pay a penalty to remove the money.

 

There are other plan types as well. 403(b) is one, but I'm not familiar at all with them.

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2 hours ago, BuckGup said:

I am looking to start saving for retirement. I am not out of college yet but would like to put some money in an account for retirement. Thanks to public schooling I am not 100% sure of all the options. I know how a 401K works but I don't have a career yet and would like to hear of all the options. I know I could invest it in something very low risk but I heard there's some kind of plan where I can put money into it and I cannot touch it until I retire and it's interest rate is locked to whatever it was at the time. So if interest rates go way up you are sorta screwed but if they fall it's still high. Not sure if this is real as I heard it on a podcast. Otherwise what are some good options? Looking to start small with maybe $2000-$3000

Since I'm Canadian, our retirement accounts are different (though they in some ways work the same), so I can't give you specific advice, but @bimmerman has some great advice.

 

My advice is this, open up a Retirement account (In Canada this would be an RRSP, so I guess this would be the IRA in the US?) with your preferred bank, and start with a small regular deposit (say, $25 or $50 per month). Do this now.

 

Once you get a job, start to slowly increase your IRA deposits. Max out your 401(k) as soon as possible. Once you've maxed out both your 401-k and your IRA, (for most people this never happens, and even if it does, it often takes a long time), just start dumping extra money into regular investment accounts.

 

You need to get a rough idea of your retirement expenses - most have no idea and never calculate it. To calculate, the basic formula is:

1. How much money can you live on, per year (Your "ideal" retirement yearly income)

2. When do you expect to retire (Eg: 65)

3. How long do you expect to live (No one can know ahead of time, but normally you budget for until 95)

 

Then you just do some math 65 to 95 is 30 years, times your ideal retirement income - that's your retirement savings goal. Make sure to account for whether you're taxed now or taxed at retirement.

 

The benefit of one vs the other is basically: Most people tend to make less money during retirement, so by deferring taxes until then, they'll be at a lower tax bracket. So if you make a lot of money during your career, you probably want to defer the retirement contributions, so you pay less tax now, and you also will still be in a lower bracket later.

 

On the flip side, if you plan really really well, you might end up pretty wealthy in retirement. This could cause a higher tax bracket.

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@dalekphalm Has great advice on contributions. In that vein, play around with the calculator here:

 

https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementIncomeCalc.jsf

 

There are other calculators out there, but they all say basically the same thing. You need to save a lot more than you expect to have similar quality of life in retirement as you do in your earning years.

 

The flip side of all of this is that not everyone CAN save or maximize their investment accounts, or they can contribute some but are overwhelmed with choice. That's when talking to a financial professional can be a wise idea.

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6 hours ago, dalekphalm said:

 

Alright retirement still seems like a weird concept at this time as doing nothing seems incredibly boring but also working your whole life does to

▓ƆԀ▓ S▓₱▓Ɇ▓c▓s▓: i7 6ʇɥפᴉƎ00K (4.4ghz), Asus DeLuxe X99A II, GT҉X҉1҉0҉8҉0 Zotac Amp ExTrꍟꎭe),Si6F4Gb D???????r PlatinUm, EVGA G2 Sǝʌǝᘉ5ᙣᙍᖇᓎᙎᗅᖶt, Phanteks Enthoo Primo, 3TB WD Black, 500gb 850 Evo, H100iGeeTeeX, Windows 10, K70 R̸̢̡̭͍͕̱̭̟̩̀̀̃́̃͒̈́̈́͑̑́̆͘͜ͅG̶̦̬͊́B̸͈̝̖͗̈́, G502, HyperX Cloud 2s, Asus MX34. פN∩SW∀S 960 EVO

Just keeping this here as a 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Everyone dies one day so just enjoy your life. Dying penniless is a nightmare but dying with more $$$ than you can spend sounds like a waste as well. 

Sudo make me a sandwich 

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1 hour ago, BuckGup said:

Alright retirement still seems like a weird concept at this time as doing nothing seems incredibly boring but also working your whole life does to

Retirement is what you make it. If you don't want to spend retirement "doing nothing", then don't.

 

Basically just make sure to plan for the amount of money needed to live whatever lifestyle you want. If that means having a hobby, such as building and selling PC's, sure. Or maybe run a small part time business (technically building and selling PC's can fall under this category, but I mean in a more general sense).

 

Or maybe you want to travel. I don't know.

 

But the point is, sooner or later, you're either not going to want to keep working, or you won't be capable of it.

 

Some people never truly retire, they just move to reduced hours or easier work. What you make of retirement is 100% up to you.

 

But you damn well better financially plan for it, none the less :P

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Make sure you get an HSA healthplan and max that out every year.

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2 hours ago, wasab said:

Everyone dies one day so just enjoy your life. Dying penniless is a nightmare but dying with more $$$ than you can spend sounds like a waste as well. 

Not everyone wants to die alone with no children like you do.

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36 minutes ago, Gale said:

Not everyone wants to die alone with no children like you do.

As if your children will ever visit you in old age. 

Sudo make me a sandwich 

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1 hour ago, wasab said:

As if your children will ever visit you in old age. 

Harsh my friend, harsh. You do realize that most people do indeed visit their grandparents? Like, that's a normal thing. At least, in North America, anyway. Other countries, I cannot speak for, since I'm not intimately familiar with their culture and practices.

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9 hours ago, BuckGup said:

Alright retirement still seems like a weird concept at this time as doing nothing seems incredibly boring but also working your whole life does to

There is a bit more to it.

People wear out and if you are not able to stop working, life becomes a nightmare because of it.

 

As I have mentioned in other posts I am a retired 3D artist/designer. You would think that having a nice cushy job like that I would have been immune from wear and tear. I was not. Also cancer can make life less pleasant and there is a lot of that going around.

 

As for retirement I figured I would need about a million dollars.  I am not one to save because I like shiny new video cards and sports cars so I went the pension route. 

 

Also to retire you need to have where you live paid for so getting into the real estate market as early as you can helps. My regret is not buying more properties. 

 

I am not a fan of 401ks because of what happened in the housing crash. If you think as them as retirement pocket money you will be ok. 

 

 

 

 

 

 

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10 hours ago, wasab said:

Everyone dies one day so just enjoy your life. Dying penniless is a nightmare but dying with more $$$ than you can spend sounds like a waste as well. 

Not really. If you have kids you get the need to leave them something. Now that I am retired I save more for that reason.

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