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Death and Taxes


This is something we should all know. Death and taxes are the only certainties in this world. Noone can really predict the future. Saving for retirement is one of the ways to ensure financial security in the future. The funds you will accumulate in your retirement account will decide the sort of lifestyle you will be able to afford when you retire. The prospect of still having to work during retirement holds no attraction for anyone.


A Plan for Everyone


A variety of options are available for people to help them start saving for retirement. Besides traditional pension plans Medhi Benatia Jersey , there are IRAs or Individual Retirement Arrangements as well. There are also some plans that are employer sponsored. Examples of these are the 401k and the Savings Incentive Match Plan for Employees IRA or SIMPLE IRA. There is a plan for each person depending on their needs and financial situations.


Decide Your Future


First off, you need to have a clear idea of the sort of lifestyle you would want to have during retirement before actually saving for retirement. Would you prefer to live on a house at the beach? Would you instead like a nice little place out in the peaceful countryside? I know none of you would prefer a view of the neighbour鈥檚 awful collection of garden gnomes over that of a scenic view of the beach.


How much of your life have you spent in school and on the job? Some of you may even want to finally do all the things you have never had the chance to do before. A round the world trip? Or a trek around Asia Who could say no to the thrill of a cruise around the Greek isles and other scenic spots in the Mediterranean?


Look at all Your Options


Once you are done with envisioning the future you want to have then it is time to choose the retirement plan that can give you that future. You need to factor in an estimate of the amount of money you will need after retiring. Ordinarily Mattia De Sciglio Jersey , the typical American would need an equivalent of roughly 70% of their pre retirement income during retirement to support a stable and comfortable standard of living. If you are among those individuals who plan to really live the life when you retire then realistically, you may need an equivalent of up to 100% of your pre retirement income. You shou